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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!
    Thanks all :smiley:

    Nothing much to report from yesterday, it was a NSD :smile: today should be as well as I'm on a long shift at work.  After today, I'm off until Monday which I'm very much looking forward to.  Plan is to get the Christmas food shop done (going to go early morning tomorrow I think and do a big stock up, any little bits can then be got at the corner shop as can't face going into a supermarket over the weekend or early next week), finish any last bits of Christmas shopping, meet a friend for lunch and relax the rest of the time :smile:


    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!
    Big Christmas food shop was done on Thursday, spent £2.07 over what I had saved in vouchers so happy with that.  Lots of treats and nibbly things :smiley:  Will pop up to Lid! at some point today though as we've run out of cheese.

    I then met my friend for lunch on Thursday, she treated me which was lovely.  Felt a bit iffy in the afternoon and went for a nap.  Woke up feeling ok but felt pretty awful all day yesterday - just really lethargic and a headache which didn't really shift even with pain killers.  Early bed, slept for 12 hours and have woken up today feeling my usual self.  Not sure what was up with me, maybe just all the work stress catching up with me.

    Despite feeling not feeling great yesterday, I got my eye brows done (£18) and then visited my gran to drop off her Christmas present.  I also got my work secret santa present and transferred money to my sister to pay for a joint present for my parents.  Only have 1 present to get now for a friend but I won't see her now until after Christmas so think I will have a look in the sales.  Really pleased with my budgeting for Christmas as still have £36.10 left in the presents fund which will more than cover my friends present.

    Today I have dropped OH in town so he can do some shopping.  He's then going to visit a friend so will probably be out until mid-afternoon.  My plan for today is to walk up to Lid!, do some cleaning/laundry and maybe watch a Christmas film.

    And I have managed to reach my target of maximising the LISA before the end of December :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
  • Excellent news on the LISA.  You are truly an example of how well little and often works.  Have a wonderful Christmas.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Thanks INOD, have a lovely christmas too 🎄

    £25.50 spent, way more than planned, however, still under the food budget for this month and fridge, freezer and cupboards are all full so should keep us going for a good while.

    Haven't seen OH all day, he texted earlier to say that he was going to stay at his friends later and have tea there before heading home.  Meant I changed our planned tea of chicken and mushroom pie to chicken and mushroom risotto as it's one of my favourites but OH is not a fan.
    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!
    edited 23 December 2024 at 12:30AM
    So over work at the moment, ended up having to go in today as someone had called in sick and the night shift staff we had booked for Christmas eve called to say that they've come down with a bug so won't be able to work.  Chances of finding someone now are practically non-existent which means I'll probably have to do it :cry:

    On the plus side, it was actually a lovely shift today and it's also been a NSD.
    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!
    Managed to cover the shift tomorrow night :smiley: so that's one less thing to stress about.  Finished up work early today to make up for going in yesterday so just chilling with OH this afternoon/evening.  Today has been a NSD :smile:

    Early shift tomorrow and then off Christmas day :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
  • beanielou
    beanielou Posts: 95,467 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    So glad that you have Christmas Day off.  
    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.
  • Good news about covering the shift! Doing well on the LISA 
    *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/
  • I think you and I may have the same job, or very similar jobs at the least. You've got my full sympathies for coping with the endless short notice sickness. I fantasise about stepping down some days too 😁
    About 35k March 24

    <then many hours working, little sleep, much grumbling>

    Now:

    £13577 Jan 25
    £11100 End Jan 25
  • misstara
    misstara Posts: 3,987 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    peacocking - social care?  For the most part, I do love my job but it can be so challenging!

    Had a lovely day on Christmas day with OH and just back from a family get-together, lovely weekend seeing everyone but pretty exhausting so off 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 - £612.99
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