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  • FIRST POST
    • misstara
    • By misstara 14th Jan 14, 9:53 PM
    • 2,730Posts
    • 19,326Thanks
    misstara
    misstara's debt diary 2014
    • #1
    • 14th Jan 14, 9:53 PM
    misstara's debt diary 2014 14th Jan 14 at 9:53 PM
    Have been in debt for about 10 years (and been lurking on here for ages) but had kidded myself into thinking I was doing quite well - always making the minimum payments plus a little extra, occasional purchases on credit cards but generally plodding along ok.

    Until last week I calculated that last year I managed to reduce my debt by 350 - yep that's 350 for the entire year which is roughly about the same amount that I pay towards my debts each month. Clearly I'm going to have to make some changes or be in debt forever!

    Current debt stands at around 10,500, split over 2 credit cards with about 2000 on each and a loan with about 6,500 left to pay - will have to dig out statements to check exact figures.

    I'm going to turn 30 later this year and the realisation that I have been in debt for the whole of my 20s is scary. I certainly don't want to be in this position in another 10 years!

    So to start off my debt free journey, I have made a 3.00 payment towards one of my credit cards today - not much but at least its a start!
Page 83
    • misstara
    • By misstara 29th Nov 17, 11:04 PM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    Payday today so made my payments to the debt. No other spends. Electricity bill is through so will pay that tomorrow.

    Yesterday's spends were 46.78 on some presents and cards plus 50 on a parking permit.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
    • misstara
    • By misstara 6th Dec 17, 10:04 PM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    Can't believe it's been a week since I last posted.

    Friday - I paid the electricity bill but other than that a NSD

    Saturday - went to my works Christmas night out, spent 45.

    Sunday - spent 38.05 in the supermarket and 11.50 on a takeaway to share with OH

    Monday and Tuesday were both NSDs

    Today - spent 25 on a Christmas present for my sister and 39.99 on hair straighteners. My one's have not really been working properly for a while and saw these at 50% off so went for it.

    Went to the doctors yesterday as been feeling horrendous recently, stomach issues again so going to be referred to a dietitian. Hopefully will be back to usual self soon
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
    • monz
    • By monz 7th Dec 17, 9:39 AM
    • 3,191 Posts
    • 10,128 Thanks
    monz
    Feel better soon <3
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house deposit 6,720.99/10,000
    car PCP - 308.99/11848.25 (0 overpayment)
    mums July birthday vouchers 0/50, Niece birthday June 50/50
    Holiday spending 300/300, Belfast 370/500 (252 for apart
    ment)
    • misstara
    • By misstara 7th Dec 17, 10:40 PM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    Feel better soon <3
    Originally posted by monz
    Thanks monz, will hopefully be back to my usual self soon

    Nothing much to report today, a NSD and I've paid 9.55 to the debt.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
    • misstara
    • By misstara 15th Dec 17, 8:43 AM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    Over a week since I last posted, really need to get in the habit of posting daily again as it really helps keep me focused. Feel like debt busting has taken a bit of a back seat recently so need to get back on it.

    We had a lovely weekend away in Edinburgh, I then spent a couple of days doing Christmas shopping which now means I'm almost done and then on Wed I headed home to spend some time with my family before Christmas. Should get a few NSDs as I don't tend to do very much when home.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
    • misstara
    • By misstara 19th Dec 17, 12:50 PM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    Came back up yesterday and today is my last day of hols before going back to work tomorrow. This morning I've mostly been organising - toiletries, freezer and next the cupboards.

    Yesterday I spent 32.81 on food. Today I need to buy a present for my gran before popping out to see her and also put some petrol in the car.

    I've made a 2.25 payment to the flat debt
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
    • misstara
    • By misstara 21st Dec 17, 10:24 PM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    Last two days have been NSDs, not much else to report. Payday tomorrow - I've not done a budget yet, I'm just going to move it into a separate account and forget about it until nearer the end of the month.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
    • misstara
    • By misstara 28th Dec 17, 10:30 PM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    Once again a week since I last posted

    We had a lovely Christmas (even though I had to work ) and I was truly spoilt.

    I still need to do a budget for my pay so better work on that over the weekend.

    I'm also still not feeling particularly good but have a dietitian appointment mid January so we'll see how that goes.

    Not much else to report, it was a NSD today. I got some cashback paid into my account - 8.03 so that has been paid to the debt
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
    • misstara
    • By misstara 30th Dec 17, 10:40 PM
    • 2,730 Posts
    • 19,326 Thanks
    misstara
    So I've decided to start a new diary which will be imaginatively named misstara's debt diary 2018 I've spent the last 2 days reading through my diary and I just think it's time for a new one.

    I've paid off all of the original debt but still have a long way to go because of buying stuff for the flat and also buying a car.

    I'm hoping that a new diary will inspire and motivate me which is something I feel has been lacking recently.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 804.26 (65.1% paid)
    Car debt Nov 2017 797.68 Now 542.46 (32% paid) + monthly payments 146.82 6/60
    Emergency fund - 36/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 11/16. Groceries target 188.17/200. NSD target 12/19.
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