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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 5
    • misstara
    • By misstara 5th Apr 18, 10:48 PM
    • 2,876 Posts
    • 20,341 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 £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 7th Apr 18, 12:26 AM
    • 2,876 Posts
    • 20,341 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 £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 8th Apr 18, 7:33 AM
    • 2,876 Posts
    • 20,341 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 £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 8th Apr 18, 9:34 PM
    • 2,876 Posts
    • 20,341 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 £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 9th Apr 18, 9:04 PM
    • 2,876 Posts
    • 20,341 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 £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 10th Apr 18, 10:22 PM
    • 2,876 Posts
    • 20,341 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 £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 11th Apr 18, 11:29 PM
    • 2,876 Posts
    • 20,341 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 £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 13th Apr 18, 11:41 PM
    • 2,876 Posts
    • 20,341 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 £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 15th Apr 18, 10:00 PM
    • 2,876 Posts
    • 20,341 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 £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 16th Apr 18, 10:44 PM
    • 2,876 Posts
    • 20,341 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 £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 17th Apr 18, 9:32 AM
    • 3,337 Posts
    • 11,081 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 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 17th Apr 18, 10:36 PM
    • 2,876 Posts
    • 20,341 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 £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 19th Apr 18, 10:24 PM
    • 2,876 Posts
    • 20,341 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 £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 Apr 18, 10:59 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Haven't posted for a few days as work has been super busy, feel like all I do is work at the moment

    Spent £11.12 on a scale and polish at the dentist today plus £43.56 on a big shop, should take us through to the end of the month.

    Got my payslip today so will start working on May's budget.
    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 25th Apr 18, 6:37 AM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Stupidly forgot to lift my lunch from the fridge yesterday so spent £2.30 in the shop. Went a walk after work round the park, thankfully got back to the car before it started to pour 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 27th Apr 18, 10:21 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Payday

    Budget - £1981.04
    - £1100 usual bills
    - £200 food/cleaning/toiletries
    - £150 car repayment
    - £117.91 car fund
    - £40 emergency fund
    - £40 electricity bill
    - £60 petrol
    - £180 social/personal
    - £93.13 debt repayment

    Car tax was actually £195 for 12 months so added £117.91 to what was left in the fund. That's now been paid so car fund is at £0.

    £200 for food, cleaning supplies and toiletries worked well last month so will go with that again this month.

    £93.13 debt repayment has been split £70 to flat debt and £23.13 to car debt. Current debt now stands at £9603.45, aim to be under £9300 by end of May.

    £180 for personal and social spends - I've transferred £45 to my friend to cover my share of the accommodation for the wedding and also treated myself to a serum, eye cream and cleansing lotion which was £39 with a £5 off voucher. I've taken this out of personal spends rather than the toiletries budget as they were a want rather than a need. So that leaves £96 in that budget to cover a weekend away for the wedding, a meal out with friends, a night out with OH and friends and I've got a week off work in May so hoped to do a few things with OH and catch up with people I haven't seen for ages. I've borrowed a dress from my sister for the wedding but could do with some sandals and a bag plus I really need new undies and socks. Really need to get creative with the budget!

    Spends for today have been £39 on the already mentioned toiletries plus £6 on toothpaste and shower gel. I had a contact lens appointment and was told to get eye drops to help with dryness, got the recommended ones which were £10.49 Me and OH also got a takeaway - Chinese We shared a starter, a main and prawn crackers and got the rice from the supermarket to save costs - £18.87 which included 2 ciders and a pudding from the supermarket. I've also paid next month's rent and council tax. So a very spendy day today - must try and get some NSDs in now.
    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 30th Apr 18, 10:18 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Managed a few NSDs which was good. Went shopping yesterday and got a bag, sandals and some socks for £15.50 so happy with that. That budget now stands at £80.50. Will definitely need to get some food and petrol tomorrow.
    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 1st May 18, 9:13 AM
    • 3,337 Posts
    • 11,081 Thanks
    monz
    You are doing well firing away to debt 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 1st May 18, 10:23 PM
    • 2,876 Posts
    • 20,341 Thanks
    misstara
    Thanks monz

    It's been a NSD. Went for a run after work and then could not be bothered going food shopping. Will need to go tomorrow and get petrol too.

    Paid £2 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.
    • AspiringButAnxious
    • By AspiringButAnxious 2nd May 18, 9:41 AM
    • 668 Posts
    • 2,750 Thanks
    AspiringButAnxious
    You're making great progress! I feel exhausted reading about everything you've been doing
    Rainy day fund — 104/1000 Emergency fund — 1019/1500
    Loan — 470/19,300 = 2.4% Fun fund: 1 Credit card balance — 0
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