misstara's debt diary 2020

juliejim

You're doing really well with your budgeting and getting your cc paid off. 
Keep at it
Jue

misstara

Thanks Jue

Nothing to report from yesterday except another NSD Was on a double shift which was fine but challenging at times.  Always struggle to wind down when I finish work at 10pm so feeling pretty tired today.  Ah well another coffee and I'll be good to go.

misstara

A NSD yesterday and it will be one today which I think takes me to 18 for the month so far.

On a late shift today so currently doing a walk around the park, almost nobody about and a gorgeous day, absolute bliss

Once home, I'll do a little bit of gardening and make some scones as there's some yoghurt in the fridge needing used up.

I've made a £2.50 payment to the debt today taking me to 36.6% paid.

monz

That will be gone in no time!  What are you going to do after the credit card is gone x

misstara

monz said:

That will be gone in no time!  What are you going to do after the credit card is gone x

Thanks monz.  Once it's gone, I want to concentrate on saving making sure that we've got a decent emergency fund in place.  Then focus on the car - I'm not sure if I can overpay the car loan so will need to find out about that.

Not posted for a good few days, no particular reason just enjoying less screen time.  Not much to report anyway - did a shop on Saturday so that will last us to beyond the end of the month and have been going out either a walk or a run most days, so far have managed at least 10,000 steps each day in April

Will get a really good pay on Wednesday due to doing lots of overtime last month and the increased sleepover rate will post the budget later/tomorrow as I best get ready for work.  Double shift today but thankfully this is the last one for a while.

misstara

May's budget - £2431.65
- £950 usual bills
- £150 car
- £230 food
- £50 petrol
- £10 ynab
- £200 car fund
- £200 emergency fund
- £100 me
- £150 home fund
- £150 holiday fund
- £50 presents
- £191.65 debt

£100 for me is for a haircut, getting eyebrows done, new clothes, etc once lockdown is over.

On a late shift today so had a wee lie in, a yummy bacon roll for breakfast and now out for a walk, it's rather cold though.

Boodedoo

wowee! look at those figures in your sig!
debt 68.2% PAID, emergency and car savings funds increasing.
and I love the budget allocation to 'me', its very well deserved
Its been a long haul but you are now on the home straight :-) Well done that girl I am so pleased for you.

in_need_of_direction

You truly show how chipping away at debt works.  Isn’t it great to know that your emergency fund is greater than your credit card debt?

misstara

Boodedoo said:

wowee! look at those figures in your sig!
debt 68.2% PAID, emergency and car savings funds increasing.
and I love the budget allocation to 'me', its very well deserved
Its been a long haul but you are now on the home straight :-) Well done that girl I am so pleased for you.

Thanks Boodedoo, very much looking forward to getting rid of the credit card and having some proper savings in place, a big change from when I first joined the forum!

in_need_of_direction said:

You truly show how chipping away at debt works.  Isn’t it great to know that your emergency fund is greater than your credit card debt?

Thanks INOD, it is indeed a great feeling.  I did think about just paying it all off this month but feel happier with more savings.

misstara

Did a big shop yesterday so that should be us stocked up for a while.  Paid £2 bank account reward to the debt today so now at 68.5% paid