misstara's debt diary 2018

monz · 16 January 2018 at 11:56AM

Cannot believe I never saw your new diary!!! subsribed and read

xxx

misstara · 16 January 2018 at 11:21PM

Glad you found me monz

Made a £4.63 payment to the debt and also added £5 to the emergency fund.

So a wee mid month review
Food - £82.80/£150
Petrol - £38.37/£100
Social - £31.95/£50

Debt repayments - £133.09 aiming for at least £200 paid off
Emergency fund - £30 aiming to have at least £100 by end of the month
Extra income - £45.57 trying to earn at least £150 from 2nd job/surveys this month (probably just from 2nd job, haven't been doing any surveys at all

)

NSDs - 9/18

Went to the gym with a friend this evening which was fun. Busy day at work tomorrow so off for an early night.

misstara · 22 January 2018 at 12:28AM

Been neglecting my new diary

Wed - a NSD taking me to 10

Thurs - got OH a wee shop to do him over the weekend, £11.52 spent. Car had been making a funny noise so took it to the garage, spent £4 on bus fare to work afterwards and then £36.50 on bus tickets to Glasgow as the car wasn't ready to pick up, probably a good thing considering the weather.

Fri - travelled down the road, additional travel spends of £24.50 and £3 on a card for my mum. Gave my siblings £10 each for birthday related expenses.

Sat - a NSD

went for coffee with a friend but she treated me.

Today - £3.39 on painkillers (horrendous toothache all weekend, have emergency appt tomorrow) and £7 on a taxi home as got back late.

I pick up the car tomorrow but no charge as it's still under warranty. No idea how much the dentist will cost as I imagine I will need some work done, it will unfortunately have to go on the credit card as there's only £30 in the emergency fund.

The petrol/travel budget is completely blown as I've now spent £102.77/£100 and will still need petrol before the end of the month. I got £44.65 on Friday from 2nd job so will put this into the petrol budget.

Got my payslip through so will get £1775.38 on Wednesday, will work on a budget tomorrow. Right best get to bed, picking my car up before work so need to get up early.

misstara · 23 January 2018 at 8:01AM

A spend day yesterday but thankfully not as bad as I had thought. The tooth that I recently got root canal in has an infection so I've got a course of antibiotics to take which will hopefully help. Only dentist spend was an x-ray which was less than £4 (can't mind exact amount). I also spent £11.46 on a wee top up shop and gave £2 to a homeless man.

Still haven't looked at a budget and it's payday tomorrow, however, will do the same as last month and move it to another account to reduce the temptation to spend.

Haven't made any wee payments to the debt since before the weekend so will check my bank account later and round down.

I need to go and have a look for a present for my friend, it's her birthday on Sat. The money is budgeted already.

Think I'll end up going over budget on social stuff this month as I'm meeting friends twice this week but will do my best to keep costs down.

misstara · 23 January 2018 at 11:40PM

£4.98 paid to the debt today

Finished work late so went to the supermarket after work to grab a ready meal and cider, it wasn't a great day

£6.61 spent.

misstara · 24 January 2018 at 11:25PM

A spend day again - £15 on a meal out with friends and £30 on petrol.

misstara · 27 January 2018 at 12:55AM

Spend day yesterday - £22 on a card and present for my friend plus £6.95 on milk, bread and cleaning products.

Today - £16 on a meal out with friends and £4.50 on parking. I also spent £40 of vouchers I got for Christmas on a pair of boots, jeans and leggings in the sales.

Got £22.32 from 2nd job today so paid £2.32 to the debt and the rest pretty much paid for my evening out.

Feeling a bit rubbish at the mo - work is super stressful, flat is a tip, exercise and healthy eating is non-existant and self-esteem also feels pretty low. Felt so positive at the start of the year and now just feel a bit flat. Day off work tomorrow so plan is to go to the gym, tidy the flat and have a wee pampering session, hopefully all that will help.

misstara · 27 January 2018 at 11:17PM

Went to the gym this morning and did the food shop but that was it, felt incredibly drained and lacking in energy for the rest of the day so pretty much just lay on the sofa watching films with OH. We agreed that we'll tidy the flat tomorrow once I've finished work.

Spends for today are £41.41 food shop which unfortunately takes the food budget to over the £150 budgeted

and £2.99 on an extendable feather duster (to get all the spider webs). I've also made a £5.10 payment to the debt

Boodedoo · 27 January 2018 at 11:22PM

Sorry you are feeling low, its the time of year, dark, cold and miserable - but Spring isn't too far away and brighter days always make us feel better.

On the upside you are still doing amazingly well with the debt reduction, all these small payments are really adding up so you should feel really proud of yourself.

Sending a hug :-)

misstara · 28 January 2018 at 11:43PM

Thanks Boodedoo

. Generally feeling a little bit better - got a lot of work stuff done today so not feeling so overwhelmed, me and OH gave the flat a bit of a tidy plus I made a bit more effort with getting ready for work this morning, actually picked out an outfit in advance, put on some mascara and some jewellery which definitely gave me a boost

Another spend day, unfortunately my tooth is hurting again so had to buy more painkillers. Whilst in b00ts, I noticed my fave shampoo was on a 3 for 2 offer so I stocked up - £20.57 spent. I then transferred the £9.43 to the debt

misstara's debt diary 2018

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