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misstara's debt diary 2024
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Thanks Boodedoo - the cold is gone but my sinuses are playing up, need to remember to phone GP next week.
Managed NSDs Tuesday and Wednesday. Yesterday I was on night shift so I picked up some snacks on the way into work, £4.39 spent.
Today is paydaydid quite a bit of overtime last month so have been able to put £500 to the LISA
need to update my signature.
Spends for today have been £18 on getting my eye brows done, £35.63 in Lid! and £6.81 in @sda. Got a free sourdough loaf from Lid! so going to use some of it to make hm garlic bread to go with the bolognaise I have made. Made a huge pot so plenty to go in the freezer for a future date.
I also spent £3.95 for delivery of free skincare products, was a code on my phone rewards app. Can either use myself or for a Christmas gift. There was also a code for 70% of a g0usto box. It's something I would never normally think about signing up for but it was £9.30 for 3 meals for both of us and I'll cancel it after that box. I've ordered it for a few weeks time as next week's food has been planned.Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.990 -
£500 into the ISA is a substantial amount, hope it helps to reach the threshold for the maximum bonus for you.
nice to get some free sourdough bread (my favourite) though I'll pass on the transformation to garlic bread - think I may have been a vampire in a previous incarnation as I hate garlic with a vengeance!1 -
Oh I absolutely love garlic Boodedoo and quite happily put it in almost anything.
Did a run today after work, shorter than usual but felt good to get out. We are trying to eat a bit healthier so tea tonight was sweet chilli salmon, sliced fried tatties and broccoli and was delicious.
Was hoping for a NSD but ended up spending £6.44 on food as OH texted me to say that him and his friend had finished all the cheese and bread for lunch so picked up more plus some mushrooms as I used the last in the bolognaise last night.Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.990 -
Small spend on food again today - got a bacon roll and coffee from a local cafe for breakfast. Not something I do often at work but nice for a wee treat. £5.50 spent on this.
Had a roast gammon for lunch at work as well which was lovely and meant tea tonight was just some toast as I was still full up.
Nice weather today so went for a bit of a walk round the local area after work, just by myself as OH had popped round to see a friend.
75p has been added to the LISA holding fund from cashback.Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.990 -
£500 is a good amount, how much left have you got to find before April to reach the maximum? Do you have a monthly goal?*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Thanks Sarah. There's £1750 to go before April so £291ish a month which is easily do-able.
A NSD today
Very very tired tonight for some reason so am away to head to bed for an early night.Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.990 -
Yesterday was a rubbish day at work, ended up finished 4.5 hours late and got a takeaway on the way home as didn't feel like cooking - £9.08 spent.
Today will hopefully be better. Spends so far are £51.45 on petrol but we do need a few groceries which I will pick up after work.Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.991 -
oh that's a very long day, hope it was a temporary blip and whatever the problem was is resolved.
fingers crossed today goes well1 -
Thanks Boodedoo. It was actually an even more rubbish day on Wednesday but for a very different reason, was only 3 hours late finishing so better in that respect. NSD as I couldn't face going to the shop.
Yesterday was a better day, finished on time and got the groceries - £16.77 spent. Finished up work early today as OH had a hospital appointment. Went for a walk afterwards and popped into a cafe for a cuppa - £5.30 spent.
Off to bed for an early night as need to go into work for a few hours tomorrow and then have a night out with friends.Mortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.991 -
I have cashed out some survey money from PA and some cashback from my ch@se account which took the LISA holding account to £27.08. £25 has now been added to the LISAMortgage 26.4.25 - £108,500 1.7.25 - £106,653.66
Mortgage overpayment savings - £33.53/£50
Mortgage overpayments so far - £612.991
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