Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • misstara
    • By misstara 30th Dec 17, 11:01 PM
    • 3,081Posts
    • 22,265Thanks
    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 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
Page 15
    • misstara
    • By misstara 10th Jan 19, 11:35 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Not much to report from today. Was on a late shift so went for a short run this morning to try out my new trainers . It's been a NSD
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 11th Jan 19, 10:37 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Another NSD today

    I'm now off work for 4 days . Heading to Stirling tomorrow to do a run with my friend and going for lunch with my gran on Monday, other than that I don't have much planned which will be nice
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 13th Jan 19, 11:05 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Did the run yesterday, was pretty hard going but survived . Relatively low spend day - 1.50 on snacks and 1.20 on parking. Went for a pub lunch after the run but my friend paid for it as I drove.

    Today I've spent 10.36 on some food shopping and 3.99 on a top from a charity shop. Other than going out with OH for a couple of hours shopping, I've done very little today - mostly sat and watched musicals
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 14th Jan 19, 11:18 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Went round to my gran's for lunch which was lovely to see her and did my wee shift for 2nd job this evening which will get me around 30

    Few spends today - 6 on coffee (was very close to running out which would have been a disaster ), 3.49 on thank you cards, 6.96 on stamps, 3 on toiletries and 16.12 on petrol.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 15th Jan 19, 10:08 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Not much to report from today - went to the gym and it's been a NSD . Added 1 to the emergency fund and paid 1.20 to the debt.

    Back to work tomorrow so suppose I better go get organised and then get an early night.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 17th Jan 19, 8:46 AM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Didn't get round to posting yesterday as there's just not much to post about, pretty much just trying not to spend money. It was a NSD

    Had a good chat with OH last night about future stuff, paying off debt and saving a proper emergency fund.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 19th Jan 19, 3:19 AM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Thursday and yesterday were NSDs but will definitely need to do a shop later as running low on a few essentials.

    Absolutely at myself, got a letter earlier to say I'd driven in a bus lane, 60 fine but reduced to 30 if I pay it within 14 days. I'll pay it next Friday when I get paid so it will just be the 30, so annoyed though.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 21st Jan 19, 11:04 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Not managed to post for a few days as really hectic at work. Spent 41.46 in the supermarket on Saturday and did a big stock up. Should only need bread and milk this week. Today I put petrol in the car (10.57) and bought a birthday present for my mum (15).
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 23rd Jan 19, 10:48 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Absolutely shattered as was on night shift last night and didn't manage a good sleep today. On night shift again tomorrow night, not ideal but at least lots of overtime so February pay will be good

    Today has been a NSD and I went for a run
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 29th Jan 19, 10:54 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Haven't posted for almost a week, been a tough one with work and personal stuff but hopefully looking up now

    Got paid on Friday from 2nd job - got 37.74 which is more than I thought. 13.77 replacing what I had spent on trainers, 21.44 on moisturiser (usually 32 for the one I like but got a reduced price gift set so the moisturiser plus a serum and mask and the moisturiser will last at least 6 months) and 2.53 to the debt.

    I've posted away my passport form but that will be 85 added to the credit card once it gets there. Also got electricity bill through and is 263.88

    Got paid on Friday from main job but have had to dip a bit into it so will wait until Thursday before doing my budget.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 31st Jan 19, 9:16 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Budget is done and it makes for extremely depressing reading

    1358.88
    - 986 usual bills (no council tax )
    - 146.82 car
    - 161.38 electricity bill (42.50 already saved towards it plus 60 from OH)
    Leaving a grand total of 64.46 for food, petrol, debt repayments and 3 birthdays (OH, brother and sil).

    So annoyed at myself because it wasn't a great wage to begin with and I should have been more careful but what's done is done, just need to make a plan to get through the month.
    Last edited by misstara; 31-01-2019 at 9:46 PM.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • monz
    • By monz 1st Feb 19, 9:20 AM
    • 3,531 Posts
    • 12,080 Thanks
    monz
    You just reminded me to get my readings for electricity xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    car PCP - 1,908.89/11,848.25 mum and dad 3,710/4,000 mortgage - 81,450 o/s currently - paid 3,718.14 (103.63 overpayment)
    Emergency Fund - 10/500
    • misstara
    • By misstara 2nd Feb 19, 10:11 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Got paid 50.97 from 2nd job yesterday so 115.43 altogether to budget
    - 15.43 to debt
    - 50 food
    - 20 petrol
    - 30 presents

    I've got a shift with 2nd job tomorrow and another one next Saturday which will get me around 100

    Spent 39.16 in the supermarket today, probably could have spent less but OH insisted on coming with me Was unable to get a few gf df things so will pick them up tomorrow after my shift.

    The 85 for my passport has cleared on my credit card so the debt has gone up a little
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 4th Feb 19, 11:32 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Spent 5.90 yesterday on the few bits I couldn't get the previous day plus 1.20 on a paper. The electricity bill has been paid and I've also paid 5.88 to the debt

    I owe my sister 30 for my brother's birthday present but she says she is happy to wait until the end of the month for it

    Today has been a NSD
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 6th Feb 19, 10:58 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Yesterday was a NSD

    Today not so much - 38.16 on petrol, 18.26 on food and 2.20 on a coffee (was at a football match through work tonight and it was freezing!). I unfortunately managed to get a parking ticket so 30 of my pay from 2nd job on Friday will have to go towards that.

    I'd put my name into the ballot for the GNR and found out today that I'd got a place so that was 56 on the credit card My friend also has a place so we'll be able to train together which is good. We'll need to go down the night before and probably stay that night as well so will need to look for cheap accommodation.

    I've booked accommodation for my friend's wedding in August, 2 nights for 125 with 10% back after I stay so really pleased with that don't have to pay it until arrival, just have to look for cheap flights now. Am hoping to lose some more weight so I can fit into the dress I wore to my sister's wedding to save me buying anything new. Have lost 10 pounds since the start of the year only another stone to go!

    I noticed that the 0% deal on my credit card runs out at the end of this month so will start looking around for another one. I've still got 2 credit cards open with no balances on them so hopefully can transfer to one of them.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • in need of direction
    • By in need of direction 7th Feb 19, 8:26 AM
    • 5,609 Posts
    • 34,156 Thanks
    in need of direction
    All looking good bar the parking ticket
    Mortgage at 01.01.14 119,481.83 today 69,800.27, target 65,000 by 05/04/19 Offset fund today 447.27 target 5,500 by 05/04/19
    Emergency fund 1,100/5.5k & 200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 10lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 7th Feb 19, 9:41 AM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Thanks INOD . I'm still about the parking ticket - I parked in a street that I thought was covered by my permit and didn't check as it was dark and I was in a rush. Turns out my permit covers me for the next street, not that one ah well I'll know to check carefully next time.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 8th Feb 19, 7:21 AM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Payday from 2nd job - 51.67
    - 15 towards parking ticket (splitting it between this pay and next weeks)
    - 20 presents
    - 15 food
    - 1.67 debt repayment

    Have found a balance transfer deal on one of my other cards - 0% for 12 months with 3% fee, hopefully will have paid off what's left within 12 months so will sort that out after work.
    Last edited by misstara; 08-02-2019 at 7:24 AM.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • misstara
    • By misstara 9th Feb 19, 11:15 PM
    • 3,081 Posts
    • 22,265 Thanks
    misstara
    Last 2 days have been NSDs . Earned extra cash by doing a shift for 2nd job this evening. I've picked up 3 wee shifts with them next week as I've got holidays from usual job so that should get me around 120

    Have done the balance transfer and updated my signature
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 429.05 (81.3% paid)
    Car debt Nov 2017 797.68 Now 762.77 (4.4% paid) + monthly payments 146.82 14/60
    Emergency fund - 55/1000. Car fund - 80/1000.
    Mini Targets in March
    Exercise target - 7/16. Groceries target 170.33/200. NSD target 7/15.
    • in need of direction
    • By in need of direction 10th Feb 19, 10:12 AM
    • 5,609 Posts
    • 34,156 Thanks
    in need of direction
    I guessing that you’re feeling the same but I’m desperate to see the new flat debt paid to 80%
    Mortgage at 01.01.14 119,481.83 today 69,800.27, target 65,000 by 05/04/19 Offset fund today 447.27 target 5,500 by 05/04/19
    Emergency fund 1,100/5.5k & 200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 10lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

650Posts Today

6,072Users online

Martin's Twitter