misstara's debt diary 2024

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  • MFWannabe
    MFWannabe Posts: 2,022 Forumite
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    Debt Free 👌🎉
    31/03/24:  Debt total £12,400/13,192.13
  • beanielou
    beanielou Posts: 90,645 Ambassador
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    Sorry that you were up at silly o’clock. 
    Fantastic news about the Cc. Be proud. 😊 
    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.
  • misstara
    misstara Posts: 3,883 Forumite
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    Thanks both - it's a great feeling to be debt free again and I'm determined that this will be the last time!

    Beanie - I managed to get back to sleep around 3 and then slept until 8 so overall about 7 hours sleep which is actually better than usual.

    Up and out fairly early with OH - picked up a prescription, walk round the local park and then to Lidle (£22.02 spent).  Walk round the park was lovely and lots more spring flowers out than last time.

    Did a few PA surveys this morning so just waiting for the money to become available to cash out and will send it to the emergency fund.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10802.94/£15000 (72% saved). Emergency fund - £1550.15/£2000 (77.5% saved).
  • beanielou
    beanielou Posts: 90,645 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
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    Glad you got back to sleep. 
    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.
  • misstara
    misstara Posts: 3,883 Forumite
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    beanielou said:
    Glad you got back to sleep. 
    Me too beanie or it would have been a very long day!

    £10.75 cashed out from PA and sent to the emergency fund :smiley:
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10802.94/£15000 (72% saved). Emergency fund - £1550.15/£2000 (77.5% saved).
  • misstara
    misstara Posts: 3,883 Forumite
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    Thursday was a NSD.  Yesterday I spent £8.35 on food shopping (fruit, yoghurt and wraps) plus we went a walk and treated ourselves to coffee and cake in a cafe while out (£9 spent).  On a double shift today at work so shouldn't spend anything (hopefully!).

    £10.76 cashed out from PA and sent to the emergency fund, currently sitting at £1292.77.  Once it reaches £1300, I'll move £100 over to the new account I set up which has limited withdrawals and a slightly better savings rate.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10802.94/£15000 (72% saved). Emergency fund - £1550.15/£2000 (77.5% saved).
  • Boodedoo
    Boodedoo Posts: 480 Forumite
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    Well done,  'miss no debt tara' :-)
    really pleased for you
  • Lonelygambler
    Lonelygambler Posts: 200 Forumite
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    Congratulations on debt free! 
    Gambling Addict - Acting now before it's too late. Gambling losses well over 25k. 

    Current Situation:
    Unsecured Personal Debt - April 2024
    Natwest CC 0% - £3000 - £1984
    MBMA CC 0% £4500 - £4200
    Tesco Loan - £10,400 - £10,113

    Debt cleared off since starting on here: £1607

    8 Weeks Gamble Free! 

    Aim to be debt free by 2026... 
  • misstara
    misstara Posts: 3,883 Forumite
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    Thanks Boodedoo and Lonelygambler :smiley:

    Haven't posted for a while as was very busy at work and then away for a long weekend with friends.  My weekend was absolutely lovely, spent more than anticipated but all covered by the holiday fund.

    Had today off as well so had a productive day - as well as going for a walk with OH and doing a wee shop, I looked at all my outgoings and have managed to reduce these by £70ish per month.  This more than offsets the £15 rent increase and £3 council increase per month so very pleased with this :smiley:

    Emergency fund is now at £1304.48 so £100 moved over to other account.  Bonus was added on to LISA so it's now sitting at £10300.22 :smile:  Just one more payment to be added to it and that will be it for this financial year.  

    Pay slip is in and due to doing less overtime than usual last month, my pay is about £500/600 less than usual :cry: so need to do a budget for this and see what I can add to savings.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10802.94/£15000 (72% saved). Emergency fund - £1550.15/£2000 (77.5% saved).
  • misstara
    misstara Posts: 3,883 Forumite
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    Payday today :smiley: and I've moved £225 to the LISA, £52 to the emergency fund and £50 to the holiday fund.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10802.94/£15000 (72% saved). Emergency fund - £1550.15/£2000 (77.5% saved).
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