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misstara's debt diary 2018
Comments
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Friday was a NSD, I went out for lunch with my gran but it was her treat

Yesterday I went to the gym, 1st time I've been since my surgery and I really enjoyed it. We then did a food shop, £27.16 spent.
Not much planned for today - OH is going to make brunch in a bit then we're going to head out for a walk. Then it will just be getting organised for going back to work tomorrow, holidays always fly by too quickly!Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £995.84
MOP savings - £28.69/£50
Debt 16.11.25 - £5160 1.10.26 - £4050 (21.5% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Really enjoyed our walk today, was sunny but very cold. Brunch was very yummy
. Successfully avoided all shops so it's been a NSD.
All organised for work tomorrow, however, I've got toothache
same stupid tooth as previously so will have to try and get an emergency appointment. Paracetamol is holding it at bay for the time being but thankfully I've still got some strong painkillers left from when I got out of hospital so can take them if needed. Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £995.84
MOP savings - £28.69/£50
Debt 16.11.25 - £5160 1.10.26 - £4050 (21.5% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
You might want to get hold of some clove oil. It can reduce the need for painkillersJune 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#latest0 -
Thanks for the tip INOD. Weirdly the pain has disappeared but I'd already made an appointment at the dentist so will go tomorrow anyway just to get it checked out.
Nothing much to report from the last 2 days, they've both been NSDs as I've just been going to work and then straight home.Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £995.84
MOP savings - £28.69/£50
Debt 16.11.25 - £5160 1.10.26 - £4050 (21.5% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Have got the start of an infection in the tooth so got a 5 day course of antibiotics. Dentist said it I get another infection in the same tooth, it may have to come out

A spendy day today, spent £20 on a gift to donate to a local charity that delivers Christmas gifts to deprived children, £44 on carol concert tickets :eek: (for me and OH to go with my family, borrowed money from the emergency fund for this) and £10.24 on a few groceries.Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £995.84
MOP savings - £28.69/£50
Debt 16.11.25 - £5160 1.10.26 - £4050 (21.5% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
It is Christmas.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#latest0 -
in_need_of_direction wrote: »It is Christmas.
Yup, always going to be an expensive time!
Did an overtime shift at work yesterday so a bit extra in January's wage
. Went for a walk and a hot chocolate/cake with a friend (£6.50 spent) then went to vote. Off work today, not much planned other than a supermarket shop, need to get toilet rolls and a few other bits. Have a voucher for £4 off a £20 spend at tesc0 so will head there. Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £995.84
MOP savings - £28.69/£50
Debt 16.11.25 - £5160 1.10.26 - £4050 (21.5% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Oops not posted for a few days.
Supermarket shop on Friday - spent £16.48. Got my eyebrows done on Saturday - £16. NSDs today and yesterday.Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £995.84
MOP savings - £28.69/£50
Debt 16.11.25 - £5160 1.10.26 - £4050 (21.5% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Finished up my Christmas shopping
. We're heading down to Glasgow tomorrow for a pre-Christmas get together with my family which I'm really looking forward to. Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £995.84
MOP savings - £28.69/£50
Debt 16.11.25 - £5160 1.10.26 - £4050 (21.5% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0 -
Had a really lovely time in Glasgow and was relatively low cost except for petrol - £6 on a wee gift to take down, £5 on train fare to get to/from the carol concert, £9.92 on McD's on the way home and £44.12 on petrol.
Yesterday we did the Christmas food shop - £66.31 spent, not all on Christmas food though :rotfl: plus needed to put some more petrol in my car - £19.40.
Got paid today so have moved it to another account, hopefully can get to the end of the month without needing to dip into it. Made a £32.52 payment to the debt
Happy Christmas Eve everyone :xmastree::xmassign:Mortgage 26.4.25 - £108,500 1.10.26 - £101,793.04 (6.2% paid)
Mortgage overpayments so far - £995.84
MOP savings - £28.69/£50
Debt 16.11.25 - £5160 1.10.26 - £4050 (21.5% paid)
Roof savings - £3650/£3650 (100% saved 🥳)0
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