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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!
    Survived work :smiley:

    Needed to get some toiletries but suddenly minded I had a £10 B00ts voucher from last Christmas so used that.  £1.98 spent on top of the voucher and have moved the £10 to the LISA holding fund - £37.71 to go.  Also spent £25 on a present for mission Christmas.

    Managed to do quite a few PA surveys this evening so once the money is available to cash out, that will be more to add to the LISA.
    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!
    So PA has been very good to me today, loads of surveys completed and have cashed out £15.90 (with £10.30 still pending).  £25 moved to the LISA, holding fund now at £3.19 - £21.81 to go :smiley:

    I did a few hours work at home this morning, not something I was planning to do but I'd logged on to send my new car insurance documents to payroll so I can get paid mileage and thought I would just do a couple of other things while I was on the laptop.  Actually glad I did as I got heaps done and it makes me feel calmer about next week.

    I then went out for a run, again glad I did but it was freezing.  Then me and OH bought a Christmas tree, cards and wrapping paper.  Oh and toilet roll.  £31.27 spent altogether.
    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!
    £8.30 cashed out from PA this morning so added to the LISA holding fund - £13.51 to go :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!
    56p moved to the LISA holding fund so £12.96 to go :smiley:

    Busy day yesterday - cleaned the house, went for a run and did some more Christmas shopping, think that's me about done, just a few stocking fillers for OH, work secret santa and present for 1 friend to go.

    Then went to do the night shift at work as someone had phoned in sick, ended up staying until 11am this morning to help out as someone else had phoned in sick for the early shift (feel like this is the story of my life at the moment 😫) - ah well it's all extra pennies for the LISA.

    Slept until 4pm today and haven't done much except wrap and pack presents, need to go the post office tomorrow. 

    Off for an early night as shattered.
    Mortgage 26.4.25 - £108,500  1.7.25 - £106,653.66
    Mortgage overpayment savings - £33.53/£50
    Mortgage overpayments so far - £612.99
  • No wonder you're shattered. 

    Enjoy your sleep and recharge. 
    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, I feel so much better today and thanks for the heads up about the £8 survey on PA.  Very annoyingly PA won't let me cash out for some reason but once I can, I'll be so close to getting to my £50 LISA target.  £1 added to the holding fund today from ch@se cashback - £11.96 to go :smile:

    Popped to the post office after work and got the presents posted away plus £1.75 spend on tea bags 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
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    £9.66 cashed out of PA and added to the LISA holding fund - £2.30 to go :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
  • Whoop whoop!
    Debt Free - 4th June 2025
  • Slowly adding up all these small amounts 
    *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/
  • Boodedoo
    Boodedoo Posts: 504 Forumite
    Tenth Anniversary 100 Posts Combo Breaker
    The small and often amounts have stood you in good stead to get you debt free and are now continuing to add up for the future. Looking after the pennies makes a real difference in the long run to  finances and makes life a lot less stressful (which must be an asset when you have a fair bit of stress in your job).
    Hope you are suitably proud of yourself  :)
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