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misstara's debt diary 2024

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  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Not much to report but trying to get back into the habit of posting every day.

    Today has been a NSD :smile: I've cashed out £8.90 from PA as well so it's been transferred to the LISA holding fund, now sitting at £25.04.  I'll transfer it to the LISA tomorrow.

    Didn't get round to claiming my expenses back at work today as it was a busy day so will make sure I do that tomorrow.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    £7.87 spent on bread, milk and muesli.  Very annoyingly OH has just informed me that we will need sugar so will need to get that tomorrow.

    Claimed my expenses back and it was a bit more than I thought - £37.53 so fingers crossed I can get to payday without using it and then it can go towards the LISA :smiley:
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    £2.14 spent on sugar, got a big bag so hopefully it will last a while although OH does drink a lot of tea.  

    My lovely colleague gave me £20 today for often giving her a lift into work :smiley: hoping to be able to put it into the LISA as well.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Just cashed out £9.53 from surveys so that has been added to the LISA holding fund :smiley:
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • Woo hoo go you!
    Debt Free - 4th June 2025
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks Dolly :smile:

    So decided to spend the expenses money and money from colleague on dinner and drinks out with a friend over the weekend :smiley:🤦 no regrets though as had such a good night and not something I do often these days.

    Had a little left over so stuck that into the LISA holding fund so it's now sitting at £19.74 :smiley:

    Payday has been and gone.  Opted to just put £125 into the LISA this month so that more money was available for Christmas stuff.  Only have £75 to go to max out for this year so easily achievable in January and then I'll just pop the usual amount into the LISA holding fund and transfer it in the new financial year.

    Work has been pretty awful this week, service users are great but the staff 😱 sometimes wish that I didn't have the responsibilities that I do and could afford to step down but it will get better, it always does.  Long shift tomorrow but then off the weekend.  Need to do a proper food shop (have spent £36.31 of the food budget already, mostly on utter rubbish) and make a proper start on Christmas shopping.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • Glad you had a nice time out with your friend. 

    Och work can be like that and it's horrid when it's happening. 
    Debt Free - 4th June 2025
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks Dolly, yesterday was mostly a good day but then had to go in for 4 hours this morning because someone phoned in sick 😫

    Yesterday and today have been NSDs 😊 

    £7.13 cashed out from surveys so £25 has been moved to the LISA leaving £1.87 in the LISA holding fund.  £50 to go to max out the LISA, am going to set myself a mini target of trying to reach that by the end of the year.

    Heading off to bed with a hot water bottle, been in a lot of pain this evening so have loaded up on strong pain killers and hoping that I'll wake up tomorrow feeling back to my usual self especially since me and OH are planning to go out for a carvery lunch.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Not a great night's sleep as had to get up during the night to take more pain killers but slept until 9.30am and have woken up feeling fine thankfully.

    Me and OH are heading out shortly for our carvery lunch, so looking forward to this as we can rarely be bothered cooking a roast in the house.  There's a Lid! near to the place we are going so will pop in here afterwards to get some food shopping.

    I've done some online Christmas shopping this morning and have spent £185.76 - 5 kids, my sister, brother and brother-in-law covered by that.  Just need to get for my parents, gran, sister-in-law and some stocking fillers for OH.  
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • beanielou
    beanielou Posts: 95,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your lunch. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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