misstara's debt diary 2018

12467…49

Comments

  • misstara
    misstara Posts: 3,877 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Scale and polish today at the dentist - £11.12 spent. Thankfully the tooth does not hurt today :D. I moved £5 to the electricity bill fund and paid £3.88 to the debt.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10542.72/£15000 (70.3% saved). Emergency fund - £1402.24/£1500 (93.5% saved).
  • in_need_of_direction
    in_need_of_direction Posts: 7,282 Forumite
    First Anniversary Name Dropper First Post
    I'd see those dentist costs as an investment.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st11lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 40.25% through my pb challenge.
  • misstara
    misstara Posts: 3,877 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Definitely INOD :). Another day with no toothache :D which is fab.

    Not much to report from today, worked late and it was a NSD :). Since getting home, I'm had a wee pamper evening - face mask, hair mask and painted my nails.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10542.72/£15000 (70.3% saved). Emergency fund - £1402.24/£1500 (93.5% saved).
  • misstara
    misstara Posts: 3,877 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    End of month review
    - food £159.95/£150
    - fuel/travel £144.87/£144.65 (had to up original budget)
    - social £62.95/£70 (had to up original budget)
    Used most of my wages from 2nd job this month to increase budgets which isn't great since ideally I'd prefer to use it for paying off debt/saving. At least my underspend on social just about makes up for the overspend in the other 2.

    - exercise 4/12
    - debt repayments £158.80/£200
    - emergency fund £30/£100
    - extra income £112.54/£150
    - NSDs 12/18
    So definite room for improvement in all budgets/targets for next month.

    End of month debt totals are
    - flat debt £1128.52
    - car debt £689.62
    - 2/60 monthly car repayments made

    Away to finish the budget for next month, back soon.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10542.72/£15000 (70.3% saved). Emergency fund - £1402.24/£1500 (93.5% saved).
  • misstara
    misstara Posts: 3,877 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Ok so here's the budget for Feb
    - £1000 usual bills (no council tax :))
    - £150 food
    - £150 car repayment
    - £75 petrol
    - £125 electricity bill
    - £150 presents/social (my brother's 30th plus SILs and OHs birthdays)
    - £25 car fund
    - £25 emergency fund
    - £10 toiletries
    - £65.38 debt (split £50 flat debt, £15.38 car debt)

    Really don't feel like money is stretching far enough. I could really do with a haircut and some new clothes, however, will just have to wait. I've also organised a girly weekend in Edinburgh in March with some old school friends so better start saving some money for that. Hmm think I'll phone 2nd job tomorrow and see if I can pick up some extra shifts.

    Targets for next month
    - exercise 12 times (this is running or going to the gym)
    - 10,000 steps daily (step count has really fallen since getting the car so must make more of an effort)
    - pay £150 off debt (ideally would love to get under £1000 for flat debt)
    - £100 in the emergency fund
    - earn £100 from 2nd job
    - have 18 NSDs
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10542.72/£15000 (70.3% saved). Emergency fund - £1402.24/£1500 (93.5% saved).
  • Boodedoo
    Boodedoo Posts: 474 Forumite
    First Anniversary Combo Breaker First Post
    you are doing well, the car budget will take a while to suss out (expensive things, cars) but you have still managed to reduce the debt whilst enjoying life so that's excellent :-)
  • fay66
    fay66 Posts: 744 Forumite
    First Post First Anniversary Photogenic
    Looks like a good plan,
    Debt £10k , HMRC £3K old debt £4k Jan 2021
    Had biatric surgery was 135k 2016 now 97kilo 22.1.20 up to 106 kilo 12.1.21
    Travel plans New York 2021 New year cancelled due to covid
  • misstara
    misstara Posts: 3,877 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Thanks Boodedoo and fay66. Yep having a car is definitely expensive and I'd have very little debt left if it wasn't for it but I do love my wee car, it just makes life so much easier :)

    Been super busy so haven't managed to post for a few days.

    Wed
    I spent £20.38 on a present and card for my brother. I've still to contribute to the big family present, unsure of how much my contribution will be yet though.

    Thurs
    Needed toilet rolls and milk so did the weekly shop, £22.16 spent.

    Fri
    £2.90 spent on posting the present plus £9.54 on a few things that I hadn't been able to get the day before and a few ciders for today. £3 bank account reward went in so paid it to the debt.

    Today
    It's been a NSD. I went to the gym this morning and then did a bit of cleaning. Rest of the day has been spent watching rugby (painful experience watching Scotland :() and drinking cider :)
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10542.72/£15000 (70.3% saved). Emergency fund - £1402.24/£1500 (93.5% saved).
  • misstara
    misstara Posts: 3,877 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    A lovely day off today, went for a run this morning - first one in about 7 weeks but thankfully wasn't as hard as I feared. In the afternoon, me and OH went for a walk along the beach, it was a beautiful day although a bit chilly.

    I also tidied the flat, sorted out my makeup bag and jewellery box and made soup. Away for an early night as I've got a busy week ahead.
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10542.72/£15000 (70.3% saved). Emergency fund - £1402.24/£1500 (93.5% saved).
  • misstara
    misstara Posts: 3,877 Forumite
    First Anniversary Name Dropper First Post I've been Money Tipped!
    Did a wee shift for 2nd job after my job. It's been a NSD :)
    Debt Dec 2022 - £2972.68. Current debt - £0 (100% paid). Flat deposit - £10542.72/£15000 (70.3% saved). Emergency fund - £1402.24/£1500 (93.5% saved).
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

Categories

  • All Categories
  • 343.1K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.2K Work, Benefits & Business
  • 607.9K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards