misstara's debt diary 2014

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  • monz
    monz Posts: 4,129 Forumite
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    Hope you find something :) x
    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: »
    Hope you find something :) x

    Didn't actually go to the shops in the end. It was such a lovely day so me and OH sat in the park for most of the afternoon.

    Today has been another NSD. I added the am*zon voucher to my account today so now have almost £90 towards Christmas. I got my payslip through so will get £157.24 on Friday, will get a budget organised tomorrow.
    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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    Payday today :D and I got £157.24
    - £27.24 emergency fund
    - £30 food
    - £20 loan payment
    - £20 direct debits account
    - £20 social
    - £10 toiletries
    - £30 wedding savings

    I want to try and keep topping up the direct debits account so that I've always got a little bit put by for these in addition to the emergency fund. The social budget is for coffee with my sister and lunch with a friend.

    I am now a third of the way there towards my £500 emergency fund target :j so getting there slowly. I hope to reach the £500 by the end of August and then I can concentrate on overpaying the loan.

    The loan interest will be added on today or tomorrow so my debt will rise by around £50, however, will pay this down over the rest of the month. Looking forward to July and getting back to usual debt repayments.

    The wedding savings currently has £100 in it which I'm hoping will be enough. I may add a little more just to be on the safe side.

    Spends for today are £8.57 on groceries (used the £5 voucher as well). I might need to get a few bits during the week but hopefully not much. I also spent £3.15 on a coffee with my sister and £4 on a wee present for her. I'm now heading up to work so there shouldn't be any more spends 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).
  • misstara
    misstara Posts: 3,880 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Very quick post tonight - I'm on a double shift tomorrow and must go to bed. I went to the gym today, only the 2nd time this month, really need to make more time for this. It's been a NSD :) The loan interest was added on so I now have around £126 to pay off if I want to meet my £5400 target by the end of the month. Pretty sure I won't make this but will try my best.
    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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    Survived my double shift and it has been a NSD :) I'll get the toiletries I need tomorrow as well as some stuff to go with tea tomorrow night.
    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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    Seems like it has been a bit of a spendy day today
    - £16.18 on food and cleaning products
    - £8.79 on toiletries
    - £12.83 transferred to my brother for my share of a father's day gift, still to make a card

    I did a short shift for 2nd job today but that's the only shift I have for them this week. I've picked up some overtime with my work tomorrow then some time off to relax before heading off on Friday for the wedding.
    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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    Go miss Tara :) x
    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: »
    Go miss Tara :) x

    Thanks for your support as always monz :D

    Today has been an unexpected NSD. I was planning to meet a friend for lunch today but something came up so she couldn't make it. I'm going to use the money to treat OH to some lunch instead, either tomorrow or Thursday.

    I have been to the gym this morning and should be able to go tomorrow and Thursday too.

    I went into n*xt to see if there was anything I wanted to get with my vouchers. As I walked into the shop, an assistant said can I offer you a voucher for £10 off a £25 spend online. Yes please so I tried on the clothes that I wanted and will order them online later. Free next day delivery as well. Very pleased with this :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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    I went into n*xt today to pick up the 2 pairs of jeans that I had ordered and while I was there I also got a pair of canvass shoes and a top with the leftover vouchers. Very pleased with my purchases :) Other spends for today are £11.50 on a few bits and bobs needed for the wedding.

    I have been to the gym today and also done the boring flat stuff - cleaning, laundry etc. Tomorrow me and OH plan to go for a walk along the beach and then for some lunch.
    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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    I got my payslip this morning for 2nd job so will get £92.08 on Friday
    - £30 food
    - £12.08 emergency fund
    - £10 loan
    - £40 wedding savings

    After yesterday's spends I now have £128.50 in wedding savings. I really hope that I won't spend this much but since I'm away for 3 days, better to have extra just in case. Any leftover I'll put towards the next wedding which is the 1st weekend in July. Thankfully it's local so won't need much money.

    The emergency fund is coming on, I will definitely hit my £200 target by the end of the month. Once I get my monthly payslip, I'll see if I can put anything extra towards it.

    I won't meet my debt target for the end of the month but as long as I cover the interest and the debt hasn't gone up, I'm happy enough with that. The 0% deal on cc2 runs out in a couple of months so will have to start looking for a new 0% deal soon.

    I've budgeted £30 for food but hoping to spend a lot less than that as I'm away over the weekend and then straight back into work so probably won't be able to get to the supermarket until Tuesday or Wednesday.
    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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