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    • misstara
    • By misstara 30th Dec 17, 11:01 PM
    • 3,012Posts
    • 21,726Thanks
    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 420.57 (81.7% paid)
    Car debt Nov 2017 797.68 Now 750.40 (5.9% paid) + monthly payments 146.82 13/60
    Emergency fund - 14/1000. Car fund - 25/1000.
    Mini Targets in January
    Exercise target - 6/16. Groceries target 59.89/120. NSD target 8/20.
Page 15
    • misstara
    • By misstara 10th Jan 19, 11:35 PM
    • 3,012 Posts
    • 21,726 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 420.57 (81.7% paid)
    Car debt Nov 2017 797.68 Now 750.40 (5.9% paid) + monthly payments 146.82 13/60
    Emergency fund - 14/1000. Car fund - 25/1000.
    Mini Targets in January
    Exercise target - 6/16. Groceries target 59.89/120. NSD target 8/20.
    • misstara
    • By misstara 11th Jan 19, 10:37 PM
    • 3,012 Posts
    • 21,726 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 420.57 (81.7% paid)
    Car debt Nov 2017 797.68 Now 750.40 (5.9% paid) + monthly payments 146.82 13/60
    Emergency fund - 14/1000. Car fund - 25/1000.
    Mini Targets in January
    Exercise target - 6/16. Groceries target 59.89/120. NSD target 8/20.
    • misstara
    • By misstara 13th Jan 19, 11:05 PM
    • 3,012 Posts
    • 21,726 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 420.57 (81.7% paid)
    Car debt Nov 2017 797.68 Now 750.40 (5.9% paid) + monthly payments 146.82 13/60
    Emergency fund - 14/1000. Car fund - 25/1000.
    Mini Targets in January
    Exercise target - 6/16. Groceries target 59.89/120. NSD target 8/20.
    • misstara
    • By misstara 14th Jan 19, 11:18 PM
    • 3,012 Posts
    • 21,726 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 420.57 (81.7% paid)
    Car debt Nov 2017 797.68 Now 750.40 (5.9% paid) + monthly payments 146.82 13/60
    Emergency fund - 14/1000. Car fund - 25/1000.
    Mini Targets in January
    Exercise target - 6/16. Groceries target 59.89/120. NSD target 8/20.
    • misstara
    • By misstara 15th Jan 19, 10:08 PM
    • 3,012 Posts
    • 21,726 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 420.57 (81.7% paid)
    Car debt Nov 2017 797.68 Now 750.40 (5.9% paid) + monthly payments 146.82 13/60
    Emergency fund - 14/1000. Car fund - 25/1000.
    Mini Targets in January
    Exercise target - 6/16. Groceries target 59.89/120. NSD target 8/20.
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