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misstara's debt diary 2018

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  • misstara
    misstara Posts: 4,284
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Payday again today :) - £59.40
    - £20 car fund
    - £20 holiday fund
    - £10 emergency fund
    - £5 electricity bill
    - £4.40 debt

    Debt payments stand at £18.62/£116.04, 85.7% paid :D

    Car goes in for a service today, cost of service is already paid for through a plan I took out. Will just wait and see if there's anything else to pay before using the car fund savings to pay for the tax renewal.
    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £1008.83
    MOP savings - £34.99/£50
    Debt 16.11.25 - £5160  1.11.26 - £3950 (23.4% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,284
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    £1 paid to the debt yesterday and today so £20.62/£116.04, 85.8% paid.

    Managed to fix the oven which I'm very pleased about. Had a very relaxed weekend, saw my parents and gran yesterday. Today have just been pottering about the flat, catching up with cleaning, ironing, etc. Also did a food shop - £35.76.I

    Car was fine, a couple of things needing worked on but covered by a service plan I took out when I got the car :)
    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £1008.83
    MOP savings - £34.99/£50
    Debt 16.11.25 - £5160  1.11.26 - £3950 (23.4% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,284
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Haven't posted again for ages :o life just got a bit messy :( work is awful at the moment, just so stressful and emotionally draining plus huge fights with OH - we're still together but it's rocky and I don't know what's going to happen. So money saving and debt busting has completely fallen by the wayside. Not got any further in debt but raided various pots to prop up general spending.

    Off to bed now but will look over everything tomorrow and see where I stand moneywise.
    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £1008.83
    MOP savings - £34.99/£50
    Debt 16.11.25 - £5160  1.11.26 - £3950 (23.4% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • Take care, look after yourself
    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • monz
    monz Posts: 4,129
    Part of the Furniture 1,000 Posts Debt-free and Proud! Stoptober Survivor
    Forumite
    Hope you are ok!!!! <3 mail if you need me 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: 4,284
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Thanks to you both :D. Had a good chat with OH tonight and sorted a few things out - I think we'll be ok :). Drama continues at work but something happened today which long-term may cause more stress but right now I just feel relieved and happy about it.

    Going on to money matters, I'll need to use £100 from wages at the end of the month to repay pots. I've currently got £3.85 in my purse but that will last until Friday when I'll get around £30 from 2nd job. Payday is then on Monday, will do up a budget over the next few days.
    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £1008.83
    MOP savings - £34.99/£50
    Debt 16.11.25 - £5160  1.11.26 - £3950 (23.4% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,284
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Quick post before bed. Spends today were £1.22 on milk and sugar. Better shift today at work :)
    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £1008.83
    MOP savings - £34.99/£50
    Debt 16.11.25 - £5160  1.11.26 - £3950 (23.4% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • Good to hear. Onwards and upwards
    June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb

    Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.

    Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
    https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest
  • misstara
    misstara Posts: 4,284
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Thanks INOD :D

    Had a lovely weekend with my gran, brother and sister-in-law. Spent far too much money but was worth every penny :)

    After replacing the various pots, I have £1685.49 left to budget.
    - £1100 usual bills
    - £200 food
    - £150 car
    - £60 sister
    - £60 petrol
    - £70 electricity bill
    - £45.49 (split £15 to car debt and £30.49 flat debt)
    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £1008.83
    MOP savings - £34.99/£50
    Debt 16.11.25 - £5160  1.11.26 - £3950 (23.4% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
  • misstara
    misstara Posts: 4,284
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Forumite
    Spendy day today - £30.02 on petrol, £9.22 on food and £200 on car tax :eek: car fund is now back down at £0 :(

    Made my payments to the debt so now at 87.6% paid :D. I need to pay £55.27 to reach 90% paid so that's my next target.
    Mortgage 26.4.25 - £108,500  1.10.26 - £101,793.04 (6.2% paid)
    Mortgage overpayments so far - £1008.83
    MOP savings - £34.99/£50
    Debt 16.11.25 - £5160  1.11.26 - £3950 (23.4% paid)
    Roof savings - £3650/£3650 (100% saved 🥳)
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