misstara's debt diary 2018

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  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    It was a NSD :D. Busy day at work followed by a long walk. Really enjoyed it but not much evening left to relax afterwards. Last day at work tomorrow and then 9 days off :D
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Made a £3 payment to the debt this morning - the bank account reward. Off to work, last day :T
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Enjoy your days off you deserve it :) xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Thanks monz :D

    I've not posted for almost a week and it's been rather a spendy few days. Planning to head to bed so will tally up everything tomorrow and see the damage :(
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    edited 10 May 2018 at 11:03PM
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    Ok round up of the last 7 days

    Friday.
    Headed out of the city to meet up with friends before the wedding, spent £20 on a meal out and drinks

    Saturday
    The wedding :D. Ended up being a really cheap day - £15 spent on drinks

    Sunday.
    Went for a lovely walk in the sunshine before heading back into the city. Did the weekly shop - £38.25 spent

    Monday.
    Went for a long walk with a friend, it was a NSD

    Tuesday
    Did a short shift for 2nd job and then met an old colleague for lunch - £15 spent. Also did a wee bit of shopping - £12.55 from personal spends. It was a lovely day so we sat out in the sunshine with a drink (£2.09) and then ended up meeting 2 other old colleagues for a coffee (£2) so quite a spendy day but very nice

    Yesterday
    Did another short shift for 2nd job and then bought some things for my birthday meal - £17.82 spent

    Today
    My birthday! It's been a NSD as I haven't actually left the flat today, just spent a very lovely relaxing day with OH. Got a tablet from my family and perfume from OH :j. Had a super yummy steak dinner for my birthday meal :D

    So budgets are not looking too healthy
    Food - £120.65/£200, £79.35 left with 3 weeks of the month still to go :eek:
    Social/personal - £166.14/£180, £13.86 left with a girls night out planned at the weekend
    Petrol - £29.98/£60, £30.02 left, only got quarter of a tank left so will need to get soon
    The microwave has gone kaput so will need to take some money from the emergency fund to get a new one

    Some positives
    - fridge is absolutely bursting with food so won't need to do a shop for a while
    - going for drinks at a friend's flat first on Sat so that will cut down on costs
    - should get around £40 next Friday for the two shifts for 2nd job
    - just waiting for some payments to clear with PA and then I'll be able to cash out £20

    I've downloaded a budgeting app which I hope will help with keeping an eye on the finances :). I'm 34 today and I've decided I'd like to pay off all my debt by the time I'm 35. I know that it's totally unrealistic but going to give it a go anyway. I've made a £2.01 payment to the debt today :)
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Happy birthday :) xx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016) mortgage port- £70,077.82 and mortgage £126,517.39 o/s currently
    Debt - £17,190.83 (29/7/22) now (19/8/22) £16,688.80
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    monz wrote: »
    Happy birthday :) xx

    Thanks monz :D

    Yesterday I spent £44 on a new microwave so the emergency fund has been depleted a bit. I also spent £10.90 from the grocery budget which was on washing tabs, deodorant for OH, butter, milk, eggs and flour. I made a £2.33 payment to the debt :D

    With being on annual leave, I've been managing to do lots of surveys. Cashed out a £7.25 @mazon voucher yesterday and just waiting for the pending payments in PA to clear.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Spent far too much going out last night :mad: so will have to be very careful the rest of the month. Money from 2nd job on Friday will cover the overspend from last night and I've cashed out £22.83 from PA.

    Today I've spent £20 on petrol and £7.14 on hangover busting food and juice. I've made a £1 payment to the debt :)
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    First day back at work and it was very busy. It's been a NSD :D
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Got the £22.83 from PA today so made a £2.83 payment to the debt and put the £20 towards the electricity bill. Did some more surveys this evening and have cashed out a £5.50 @mazon voucher. Feeling very motivated to do surveys at the moment, already back up to over £10 in PA :D

    Both mine and IT's phones are out of contract so got another sim only one for me but a new phone for OH as his last one is just hanging on. Managed to save £5 on what we pay now, not much but every little helps!

    It's been a NSD today :). Definitely won't be tomorrow though as we need milk and some toiletries.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10552.61/£15000 (70.4% saved). Emergency fund - £1428.98/£1500 (95.3% saved).
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