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misstara's debt diary 2018

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  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Super quick post before bed but trying to get back in the habit of daily posting. Car was at the garage today so £322.88 spent :eek: thankfully all budgeted for. The tiny bit left over in that fund will go towards my annual parking permit which is due to be renewed in a few weeks time, hopefully it will be the same price as last year (£50). Also spent £4.20 on bus fares and £4.67 on a few items at the supermarket.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • monz
    monz Posts: 4,129 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Ouch for car!!!xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks for your post monz, yep it's not ideal but hopefully that will be it for a while.

    Long day today as did usual shift at work, home for a couple of hours and then back to work to go to an evening event with one of the guys. Was fun though and a NSD too :D
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Paid for the run entry today which was £23 and also spent £29.08 at the supermarket. I phoned the existing car insurer to let them know I will not be renewing the policy and then went online and paid for next year's car insurance which was £324.66. It has gone on the credit card, I've updated my signature and it's reduced the % paid off the car debt from 49% to 3% which is rather annoying :( but it has motivated me to make sure I save more money in the car fund so the same thing doesn't happen next year.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Spent £9.20 on some gf df bits that I couldn't get yesterday plus £2.50 on plasters. Bank account reward went in so paid it to the credit card. I also got paid from 2nd job - £41.78, £30 to electricity bill, £10 to car fund and £1.78 to credit card.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Had to buy petrol today (£36.83) but a NSD other than that. Really not much else to report, watched a film with OH when I got home from work, did a meal plan for next week and then watched the rugby on catchup.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • Boodedoo
    Boodedoo Posts: 504 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    The new flat debt is reducing really well not long till its 80% gone :-)

    I imagine you must get fed up with it all but you really are doing well! Your hard work and budgeting is getting you there.
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks Boodedoo :D. Definitely struggling a bit at the moment feeling like it is never ending but I will get there! £3.47 paid to the debt today :D

    A NSD today :D. Went for a run round the park after work which was really good and then had a relaxing evening watching a film.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Small spend today of £4 on toothpaste and £3.77 on some food. Forgot to get milk, sugar and washing tabs so will need to get them tomorrow.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
  • misstara
    misstara Posts: 3,992 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Spent £9.97 on the bits I forgot to get yesterday, £6.99 of that was on a big box of washing tabs. I had bought one's from Lid! to save some money but they were making OH itch so have gone back to the usual.

    Went to the gym after work which I really enjoyed, will try to go again tomorrow. Want to try and get into the habit of going regularly especially as I won't run as much over winter.

    Me and OH have decided to go down to Edinburgh again for a weekend so booked a room today. It was only £85 :) which my shift with 2nd job this weekend will cover.
    Mortgage 26.4.25 - £108,500  1.8.25 - £106,362.86
    Mortgage overpayment savings - £3.33/£50
    Mortgage overpayments so far - £675.98
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