misstara's debt diary 2018

monz

Nearly 90% that will be paid off in no time Then can focus on your car then all gone xx

misstara

Thanks monz, just need to keep plugging away at it.

Had a really nice day off with OH, went to a local park for a walk

Payday tomorrow budget done, will post tomorrow.

in_need_of_direction

I’m so excited for tomorrow’s post. Will you go above 90%

misstara

Thanks INOD, yes I have - 90.9% :T:T

Don't have enough time to post budget before I go to work so will do that later.

Boodedoo

Well done !

90.9% :T

you are now on the last lap and I am cheering you on from the sidelines

misstara

Thanks Boodedoo

Budget - £1707.20
- £1150 bills
- £200 food
- £150 car
- £60 sister
- £50 petrol
- £20 car fund
- £10 emergency fund
- £67.20 debt (£47.20 new flat debt, £20 car debt)

Me and OH have decided to go away next weekend, found a super cheap place to stay (£40) quite close to some friends so we'll drop in and see them on the Sunday afternoon before heading back up the road. Really looking forward to it .

Need to book travel tickets for the hen weekend at end of June and getting to the airport for holiday in July so will use some of 2nd jobs pay tomorrow to book these. Also need to save as much money as possible over the next 5 weeks for spending money for both plus will need some new holiday clothes as I haven't been abroad for years. I then need to focus on saving money in the car fund as well as for the wedding in August and then GNR in September.

Debt wise next target is 95% need to pay off £93.33 to reach it.

misstara

Payday from 2nd job - £64.17
- £35 travel tickets
- £5 emergency fund
- £10 car fund
- £10 clothes fund
- £4.17 debt

£4.17/£93.33, 91.1% paid

misstara

£41.50 spent in the supermarket yesterday. Got heaps of stuff so hoping that will do us for a while.

£1 paid to the debt today so £5.17/£93.33, 91.2% paid

in_need_of_direction

So, what’s the order for tackling things next?

misstara

in_need_of_direction wrote: »

So, what’s the order for tackling things next?

I've decided once the flat debt is paid off, I'm going to concentrate on building up savings as the credit card with the car debt is 0% and the car loan is going down each month anyway. I've got various online savings pots and there is very little in any of them. I'm going to focus on the car fund as November will be here before I know it and my MOT/insurance will be due. I also need to get some more money in the holiday fund and emergency fund plus there's various bits needing done round the flat so better get some money saved for that.

There's £199.29 left to pay off the flat debt :T so hoping that will be gone by the end of July. Better get a move on as I've got training at 10am.