misstara's debt diary 2018

1235749

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  • monz
    monz Posts: 4,129
    First Anniversary First Post Debt-free and Proud! Stoptober Survivor
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    I thought your previous post said magic bag lol ooo too tired lol 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: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    monz wrote: »
    I thought your previous post said magic bag lol ooo too tired lol xx

    :rotfl::rotfl:

    It's been another NSD :D. Went to the gym after work which I really enjoyed, must do that more often.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Didn't realise it had been almost a week since I last posted. Work has been crazy - I've worked about 25 hours overtime in the last 6 days :eek: so absolutely shattered. Pay next month should be good though :D

    This week should be better (famous last words :rotfl:) so will be back to posting more regularly.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    Off work for 4 days starting from yesterday :D. It was a NSD on Tuesday then Wednesday I spent £11.99 on a wee present for OH and £2.25 on a card. Yesterday was a quite a spendy day - £46.57 in the supermarket (£30ish on food and the rest on cleaning products including a pair of heavy duty rubber gloves so that I can clean the mud out of the drain on our path - a job that I'm looking forward to tackling today :rotfl:), £6 on a pair of turquoise pumps, £5.99 on a pair of jeans (had a £10 gift card which went towards them), £20 contribution towards SIL's birthday present and £19.45 on a Chinese takeaway (OH's birthday treat). Today should be a NSD :)

    This morning I've been to the gym, away to go out into the garden before I get showered so will clean out the drain and pick up any old leaves. Rest of the day, planning to potter about the flat, get the ironing done and sort through my clothes.

    I got paid £44.16 from 2nd job today so have put £4.16 towards the debt and £40 towards the girly weekend in Edinburgh next month. The accommodation is £50 and then will need some spending money.

    I've added £20 spent onto the grocery budget in my signature as I spent around this on little bits and pieces during the last week or so when it was super busy at work, just not having the energy to cook so grabbing something quick on the way home. It means that there's now less than £25 left in that budget so will have to be inventive for the rest of the month.

    My bank balance looks a bit :eek: at the moment but I'm due back £89 from work for some things that I bought so will look healthier again on Monday.

    Right better go tackle this drain :( it's a beautiful sunny day here although fairly cold, hope you all have sunshine where you are :D
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
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    NSDs yesterday and today :D. Tomorrow definitely won't be as we need petrol and milk.

    Went for a lovely long walk round one of the local parks yesterday. Debated about going for a coffee in the cafe but saved our cash and waited until we got home. Today I've done a shift for 2nd job so should get around £50 on Friday :) and read my book.

    I've sorted through about half my clothes and will do the rest tomorrow. Already have a bag's worth to take to the charity shop.

    Forgot to say in my post the other day - I treated myself to some new nail polishes and an eyebrow kit paid for by B00ts points. One of the nail polish is a lovely bronze colour and the other a top coat. Claims that it will last up to 14 days if used together, a bit skeptical about this but still looking good after 2 days :)

    Not much else to report - starting work early tomorrow so best get off to bed.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Forumite
    Yesterday I treated myself and got my eyebrows waxed and tinted - £21.50 :eek: but they look fab :D. Today I've spent £34.08 on petrol and £4.20 on milk, teabags and chocolate. I've also made a £2.49 payment to the debt.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Forumite
    Gone over the food budget again - I'm going to set it again at £150 next month and see how I get on but might have to increase it if I still struggle. Feel like £150 for 2 adults should be enough but I guess buying gluten and dairy free for me pushes up costs. I was recently at the hospital and they want to retest for celiac using an endoscopy. It would mean eating gluten for a month which I'm not looking forward to but I guess at least food costs will be cheaper for a wee bit :rotfl:

    I also spent £67.54 on a belated birthday gift for OH. Bit more than I'd hoped for but he asked for some new clothes so we went shopping today.

    I got £52.08 from 2nd job today so £2.08 paid to the debt and £50 towards next weekend. I've now got the accommodation costs put aside and I've bought the travel tickets (£33.80) which means so far I've got a grand total of £6.20 saved for spending money :rotfl: I've picked up a shift with 2nd job tomorrow which will get me £40ish and I get paid from main job on Tuesday so will budget more money from that.

    I get paid £1654.50 on Tuesday and will work out a budget tomorrow. Off to bed just now as early start tomorrow.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Forumite
    Did shift for 2nd job this morning, got home around lunchtime and OH made yummy bacon rolls for lunch :D then got called into main job due to crisis so didn't get anything else done.

    Must sort out budget for March before payday on Tuesday and flat needs a proper clean so that's tomorrow's jobs sorted.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Forumite
    Ok budget is done - £1694.50
    - £1000 usual bills (no council tax again :D)
    - £146.82 car repayment
    - £150 food
    - £20 cleaning
    - £150 weekend away/social
    - £50 car fund
    - £45 emergency fund
    - £92.68 debt repayment

    Instead of budgeting £150 for all groceries, this month I'm budgeting £150 for food and an additional £20 for cleaning stuff, toilet rolls, etc.

    This month, I've got the weekend away, a night out with the girls and a hen night planned so not sure if £150 will cover it, may need to add to it from 2nd job.

    £92.68 debt repayment is split £60 to new flat debt and £32.68 to car debt.

    I will need to start putting money aside for the wedding (May) and family holiday (July). Me and OH would also like to go away for a weekend again probably to Edinburgh again, thinking May/June. So lots of saving to do :D

    Today has been a NSD. Planning to sit down with OH tomorrow and do a meal plan. Just to clean the flat now.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
  • misstara
    misstara Posts: 3,871
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Forumite
    Once I make the payments tomorrow, the total debt will be £10008.47 which means I will have paid off £632.68 since I started my new diary :D. My aim for the end of March is to be below £9750.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10527.15/£15000 (70.2% saved). Emergency fund - £1356.48/£1500 (90.4% saved).
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