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  • FIRST POST
    • misstara
    • By misstara 30th Dec 17, 11:01 PM
    • 2,677Posts
    • 18,884Thanks
    misstara
    misstara's debt diary 2018
    • #1
    • 30th Dec 17, 11:01 PM
    misstara's debt diary 2018 30th Dec 17 at 11:01 PM
    Almost 4 years ago I started a debt free diary called misstara's debt diary 2014. At that time I was over 10,000 in debt which was paid off earlier this year . I've decided to start a new diary as I've run up new debt although this time due to moving into a new flat that had to be furnished and buying a car.

    The current debt stands at 1229.67 flat debt, 748.10 initial car debt (deposit and insurance) and 8663.38 car (split into 58 monthly payments of 146.82 and a final payment of 147.82) which adds up to a whopping 10641.15 it's actually more than my original debt

    This year, I feel like I've got out of some of the MSE habits that I'd picked up so need to properly get back into meal planning, budgeting my pay (I still do this but then am not so strict with following it), making mini payments to the debt, NSDs etc.

    Going to head to bed shortly but the plan for tomorrow is make a budget for January, look at days where I could possibly work for 2nd job so I can phone them when they reopen on Wed (I've not worked a shift for them for ages but it will be good to get some extra cash) and make a meal plan for next week.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
Page 5
    • misstara
    • By misstara 5th Apr 18, 10:48 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    14.24 spent in the supermarket today so now have 8.48 left in that purse until the end of the week, should be doable as really don't need anything else.

    Weighed myself tonight and the results aren't pretty, over a stone heavier than my feel good weight . Knew I'd put on weight but didn't realise it was that much. Healthier eating and more exercise starts tomorrow. Did a short walk today but will do a longer one tomorrow or go to the gym.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 7th Apr 18, 12:26 AM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Nothing really to report from today but trying to get back into the habit of posting everyday. It's been a NSD
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 8th Apr 18, 7:33 AM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Went for a 7 mile walk yesterday, actually really enjoyed it but I need to buy some suitable footwear. I wore an old pair of walking boots but they're worn down at the heel so not very comfy after the first couple of miles. I want to get new boots as soon as possible so that I can start breaking them in so I'll use the money I've currently got saved towards the next electricity bill and replace it on payday.

    My car tax renewal letter came through yesterday and has to be paid by the end of the month. It's 104.50 for 6 months or 190 for 12. I've only got enough saved to pay for 6 months so I'm debating whether to pay that and save to pay for 12 months next time or somehow manage to scrape together the 190.

    Spends for yesterday were 94p on milk and 15.98 from the social budget. I went out for a work mates birthday but took the car as I'm working today and also to save money.

    Right guess I better get moving as I start at 8. Hope everyone haves a good Sunday
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 8th Apr 18, 9:34 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Spent 30.40 in the supermarket today and did some batch cooking to make life during the week easier. Paid 5 to the debt
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 9th Apr 18, 9:04 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Spends for today are 36 on a new pair of walking shoes (reduced from 70 ), 4 on bus fare, 22.91 on car service and 8.68 in the supermarket.

    Car is now shiny and clean after its service. There was one recommendation and since it only cost 22.91, I decided to get it done today. I've decided to wait until I get my payslip and see how much I'll get paid at the end of the month. If I can afford it, I'll pay the full 190 for the years road tax. If not, I'll pay for 6 months and save up to pay the year next time.

    Popped to the supermarket to get paracetamol as I've had a headache all day. Got a few ys items - gf garlic bread, sausages and gf breaded fish and the rest was on rubbish . Generally though I think it is working to take the money out each week and keep it in a separate purse.

    Paid 2.12 to the debt today
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 10th Apr 18, 10:22 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    A NSD today and I paid 1.50 to the debt.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 11th Apr 18, 11:29 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Another NSD and went for a wee walk today

    Had a truly horrendous day at work but thankfully now have 2 days off.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 13th Apr 18, 11:41 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Took the 50 for next week's shopping out early so that me and OH could do the weekly shop today, have now spent 121.84/200.

    We also went a wander round the charity shops and I got a jacket, cardigan and 3 tops for the bargain price of 6

    Paid 2.55 to the debt today
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 15th Apr 18, 10:00 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Bought 2 pairs of anti-blister socks yesterday - 9.45. Went for a walk in my new shoes and they seemed pretty comfy

    We also spent 39.96 on a new fence which I put up today, makes the garden look fab. Spent 3.98 on potatoes and onions which I plan to plant at some point this week.

    I filled the car up with petrol and spent 41.67 which means I've now spent more than what I'd budgeted. Definitely won't have to fill up again this month though. Spent 4 on parking yesterday too.

    Bank balance is stressing me out somewhat as there's been a few unplanned purchases this month. Will just need to keep the rest of the month as tight as possible.

    It's been a NSD today and I've paid 3.75 to the debt
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 16th Apr 18, 10:44 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Another NSD today. Actually finished work on time and spent some time in the garden planting the onions and potatoes I bought.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • monz
    • By monz 17th Apr 18, 9:32 AM
    • 3,108 Posts
    • 9,748 Thanks
    monz
    oooo nothing better than home grown onions n totties xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,660.99/10,000
    car PCP - 149/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 0/50
    Holiday spending 140/300, Belfast 0/500 (252 for apart
    ment)
    • misstara
    • By misstara 17th Apr 18, 10:36 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Well as long as they actually grow monz

    Spent 10.27 on toiletries and cleaning supplies today. Lovely day so went for a walk round the park after work
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
    • misstara
    • By misstara 19th Apr 18, 10:24 PM
    • 2,677 Posts
    • 18,884 Thanks
    misstara
    Yesterday was a NSD

    Was supposed to go out for tea with the girls tonight but it's been rescheduled. Spent 6.50 on a few bits in the supermarket plus 2.50 on a big issue and 2.50 on a couple of books from the charity shop.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 906.44 (60.6% paid)
    Car debt Nov 2017 797.68 Now 576.48 (27.7% paid) + monthly payments 146.82 4/60
    Emergency fund - 40/1000. Car fund - 77.09/1000.
    Mini Targets in April
    Exercise target - 7/16. Groceries target 132.11/200. NSD target 10/15.
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