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  • FIRST POST
    • misstara
    • By misstara 30th Dec 17, 10:01 PM
    • 3,130Posts
    • 22,592Thanks
    misstara
    misstara's debt diary 2018
    • #1
    • 30th Dec 17, 10:01 PM
    misstara's debt diary 2018 30th Dec 17 at 10:01 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 263.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 5/16. Groceries target 133.83/200. NSD target 10/16.
Page 19
    • misstara
    • By misstara 7th May 19, 10:49 PM
    • 3,130 Posts
    • 22,592 Thanks
    misstara
    Thanks for your posts ChasingSunshine and INOD. Due to various health issues, OH hasn't been able to work for the past few years. He hates not working and it has a huge impact on his mental health not being able to but unfortunately I don't see him getting back to work anytime soon if ever. We get by and the debt is going in the right direction but I feel like all I do is think about money (or lack of) and it does cause tension between us sometimes.

    I've decided to go home to see my dad for a few days of the time off. It will cost money that I haven't budgeted for in petrol and other travel costs but I won't spend much once I'm there and I think the total break from everything will do me good.

    Today has been another NSD plus paid 1 to the debt, 8.52/55.27, 88% paid.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 263.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 5/16. Groceries target 133.83/200. NSD target 10/16.
    • misstara
    • By misstara 13th May 19, 7:33 PM
    • 3,130 Posts
    • 22,592 Thanks
    misstara
    Got back today from spending the weekend with my dad. Spent 63.19 on petrol (still have a half tank left), 18 on parking and boat tickets and 2.30 on a cup of coffee. Had a really lovely weekend, it was just what I needed . Feel happier and more motivated.

    I got paid 41.84 from 2nd job on Friday so 1.84 to the debt and 40 towards weekend away. Will cover the rest of the money spent at the weekend on Friday when I next get paid from 2nd job.

    Had to pay electricity/gas bill - 299.12 which has totally wiped out the electricity bill fund, emergency fund and most of the holiday fund I've swapped energy suppliers and gone onto direct debit which will be around 55 a month.

    In the past few days I've paid 4.84 to the debt so 13.36/55.27, 88.2% paid
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 263.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 5/16. Groceries target 133.83/200. NSD target 10/16.
    • Boodedoo
    • By Boodedoo 13th May 19, 7:59 PM
    • 392 Posts
    • 1,159 Thanks
    Boodedoo
    Pleased you had a nice break and spent time with family.

    Hopefully the utility d/d will help to smooth things out and help the budgetting.

    I've wondered why you you still had a 'pay the bill at the end of the quarter' type account, but assumed that it was something that you would deal with when circumstances permitted.

    and SO excited for you, 90% paid is within spitting distance!
    (though I am trying to pretend that I am way too ladylike to spit!)
    • misstara
    • By misstara 14th May 19, 6:23 AM
    • 3,130 Posts
    • 22,592 Thanks
    misstara
    Thanks Boodedoo. Had that type of account for no particular reason other than I preferred to have the money in my own bank account than sitting at the energy company, however, it wasn't working as I never seemed to save enough to cover the bill hopefully this will be better.

    90% is very very close and I'm less than 5 away from being under 1000 on credit cards . I've paid 1 this morning so 14.36/55.27, 88.2% paid.

    I do need to really concentrate on building up the car, emergency and holiday funds to ensure that I don't end up having to use the credit card later on in the year.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 263.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 5/16. Groceries target 133.83/200. NSD target 10/16.
    • misstara
    • By misstara 17th May 19, 8:46 AM
    • 3,130 Posts
    • 22,592 Thanks
    misstara
    Yesterday I paid for entry to a 10k obstacle race later on this year, it's with the girls from work and should be really good fun but I have no money for such things so it went on the 'car' credit card . Cost 60.32 so will aim to pay this back as soon as possible. Yesterday I also spent 5.92 on some food shopping and 7.02 on toiletries.

    Today I got paid 39.99 from 2nd job
    - 3.99 flat debt
    - 6 car debt
    - 10 present
    - 20 back into food budget to cover what I borrowed for last weekend away

    I'm heading round to see my gran in a bit. It's her birthday next week so I'll get her a card and wee gift to take round, probably a plant or flowers.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 263.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 5/16. Groceries target 133.83/200. NSD target 10/16.
    • misstara
    • By misstara 17th May 19, 9:38 PM
    • 3,130 Posts
    • 22,592 Thanks
    misstara
    Spends for today were 11 on a card and bouquet of flowers for my gran. Had a really lovely day off
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 263.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 5/16. Groceries target 133.83/200. NSD target 10/16.
    • misstara
    • By misstara 18th May 19, 6:23 AM
    • 3,130 Posts
    • 22,592 Thanks
    misstara
    Paid 1 towards the debt this morning. Have paid 6.99 in the last few days so 21.35/55.27, 88.5% paid
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 263.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 5/16. Groceries target 133.83/200. NSD target 10/16.
    • misstara
    • By misstara 19th May 19, 6:26 AM
    • 3,130 Posts
    • 22,592 Thanks
    misstara
    NSD yesterday . I worked a wee shift for 2nd job last night so will get around 40 on Friday. I've picked up a shift with them for next week but trying to decide whether to pick up another for extra cash.

    I've paid 1 to the debt this morning - 22.35/55.27, 88.6% paid
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 263.65 (88.6% paid)
    Car debt Nov 2017 797.68 Now 786.79 (1.4% paid) + monthly payments 146.82 16/60
    Emergency fund - 0/1000. Car fund - 0/1000.
    Mini Targets in May
    Exercise target - 5/16. Groceries target 133.83/200. NSD target 10/16.
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