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  • FIRST POST
    • misstara
    • By misstara 30th Dec 17, 11:01 PM
    • 2,876Posts
    • 20,341Thanks
    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 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
Page 2
    • misstara
    • By misstara 15th Jan 18, 11:16 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    1.07 paid to the car debt now at 11.2% paid.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • monz
    • By monz 16th Jan 18, 10:56 AM
    • 3,337 Posts
    • 11,081 Thanks
    monz
    Cannot believe I never saw your new diary!!! subsribed and read xxx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 33
    car PCP - 948.95/11848.25 mum and dad 1,300/4,000 mortgage - 83,378 o/s currently - paid 934.10 (19.65 overpayment)
    Christmas - 0/500
    • misstara
    • By misstara 16th Jan 18, 10:21 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    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.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 21st Jan 18, 11:28 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    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.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 23rd Jan 18, 7:01 AM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    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.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 23rd Jan 18, 10:40 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    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.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 24th Jan 18, 10:25 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    A spend day again - 15 on a meal out with friends and 30 on petrol.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 26th Jan 18, 11:55 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    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.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 27th Jan 18, 10:17 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    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
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • Boodedoo
    • By Boodedoo 27th Jan 18, 10:22 PM
    • 334 Posts
    • 1,036 Thanks
    Boodedoo
    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
    • By misstara 28th Jan 18, 10:43 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    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
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 29th Jan 18, 10:53 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Scale and polish today at the dentist - 11.12 spent. Thankfully the tooth does not hurt today . I moved 5 to the electricity bill fund and paid 3.88 to the debt.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • in need of direction
    • By in need of direction 30th Jan 18, 9:48 AM
    • 5,261 Posts
    • 30,930 Thanks
    in need of direction
    I'd see those dentist costs as an investment.
    Mortgage at 01.01.14 119,481.83 today 74,121.52, target 65,000 by 31/12/18 Offset fund today 307.27 target 5,500 by 31/12/18
    Emergency fund 860/5.5k & 200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 30th Jan 18, 10:33 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Definitely INOD . Another day with no toothache which is fab.

    Not much to report from today, worked late and it was a NSD . Since getting home, I'm had a wee pamper evening - face mask, hair mask and painted my nails.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 31st Jan 18, 8:33 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    End of month review
    - food 159.95/150
    - fuel/travel 144.87/144.65 (had to up original budget)
    - social 62.95/70 (had to up original budget)
    Used most of my wages from 2nd job this month to increase budgets which isn't great since ideally I'd prefer to use it for paying off debt/saving. At least my underspend on social just about makes up for the overspend in the other 2.

    - exercise 4/12
    - debt repayments 158.80/200
    - emergency fund 30/100
    - extra income 112.54/150
    - NSDs 12/18
    So definite room for improvement in all budgets/targets for next month.

    End of month debt totals are
    - flat debt 1128.52
    - car debt 689.62
    - 2/60 monthly car repayments made

    Away to finish the budget for next month, back soon.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 31st Jan 18, 8:55 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Ok so here's the budget for Feb
    - 1000 usual bills (no council tax )
    - 150 food
    - 150 car repayment
    - 75 petrol
    - 125 electricity bill
    - 150 presents/social (my brother's 30th plus SILs and OHs birthdays)
    - 25 car fund
    - 25 emergency fund
    - 10 toiletries
    - 65.38 debt (split 50 flat debt, 15.38 car debt)

    Really don't feel like money is stretching far enough. I could really do with a haircut and some new clothes, however, will just have to wait. I've also organised a girly weekend in Edinburgh in March with some old school friends so better start saving some money for that. Hmm think I'll phone 2nd job tomorrow and see if I can pick up some extra shifts.

    Targets for next month
    - exercise 12 times (this is running or going to the gym)
    - 10,000 steps daily (step count has really fallen since getting the car so must make more of an effort)
    - pay 150 off debt (ideally would love to get under 1000 for flat debt)
    - 100 in the emergency fund
    - earn 100 from 2nd job
    - have 18 NSDs
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • Boodedoo
    • By Boodedoo 31st Jan 18, 9:06 PM
    • 334 Posts
    • 1,036 Thanks
    Boodedoo
    you are doing well, the car budget will take a while to suss out (expensive things, cars) but you have still managed to reduce the debt whilst enjoying life so that's excellent :-)
    • fay66
    • By fay66 31st Jan 18, 9:12 PM
    • 736 Posts
    • 2,063 Thanks
    fay66
    Looks like a good plan,
    Inland revenue 4500=
    Loan 1562
    Pay day loans -1400 1st pay 16 march 50
    Credit card 1 -4850/4850 int froze
    CC2 -978
    CC3 - 500/548 cc4 180/200
    • misstara
    • By misstara 3rd Feb 18, 7:23 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Thanks Boodedoo and fay66. Yep having a car is definitely expensive and I'd have very little debt left if it wasn't for it but I do love my wee car, it just makes life so much easier

    Been super busy so haven't managed to post for a few days.

    Wed
    I spent 20.38 on a present and card for my brother. I've still to contribute to the big family present, unsure of how much my contribution will be yet though.

    Thurs
    Needed toilet rolls and milk so did the weekly shop, 22.16 spent.

    Fri
    2.90 spent on posting the present plus 9.54 on a few things that I hadn't been able to get the day before and a few ciders for today. 3 bank account reward went in so paid it to the debt.

    Today
    It's been a NSD. I went to the gym this morning and then did a bit of cleaning. Rest of the day has been spent watching rugby (painful experience watching Scotland ) and drinking cider
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 4th Feb 18, 10:31 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    A lovely day off today, went for a run this morning - first one in about 7 weeks but thankfully wasn't as hard as I feared. In the afternoon, me and OH went for a walk along the beach, it was a beautiful day although a bit chilly.

    I also tidied the flat, sorted out my makeup bag and jewellery box and made soup. Away for an early night as I've got a busy week ahead.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
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