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  • FIRST POST
    • misstara
    • By misstara 30th Dec 17, 11:01 PM
    • 2,726Posts
    • 19,314Thanks
    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 £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
Page 4
    • monz
    • By monz 5th Mar 18, 8:37 AM
    • 3,188 Posts
    • 10,114 Thanks
    monz
    Ahh so annoying about car tyre !!!xx
    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 5th Mar 18, 10:07 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Yeah it's a total bummer monz but nevermind. Finished work late today so will have to pick the car up in the morning.

    NSD today other than £4 on bus fare. Got a check through from my insurance company for £9.12, not entirely sure what for but it will be a little extra paid off the debt once it's paid in and cleared. I've also redeemed £21.49 from PA
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 7th Mar 18, 6:19 AM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Picked up the car on the way to work, cost £77.23. Paid £2.77 to the debt. So car fund is now sitting at £70. Once I get the money from PA, I'll pay £1.49 to the debt and split the rest between the car fund and the emergency fund.

    Ended up leaving work early yesterday, felt incredibly ill, no energy and waves of sickness. Slept for 14 hours and now feel fine. Not sure what was wrong - there has been a bug going around work but I wasn't actually sick, maybe just a reaction to reintroducing gluten.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • in need of direction
    • By in need of direction 7th Mar 18, 11:03 PM
    • 5,000 Posts
    • 28,791 Thanks
    in need of direction
    take care. fingers crossed that you bounce back soon
    Mortgage at 01.01.14 £119,481.83 today £75,897.72, target £65,000 by 31/12/18 Offset fund today £227.27 target £5,500 by 31/12/18
    Emergency fund £0.7/5.5k & £200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 11th Mar 18, 12:08 AM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Thanks INOD I've been feeling terrible since then with a really bad cold but it's now thankfully starting to ease.

    The last 4 days have been a total write off due to being ill and working incredibly long hours. Not been at all organised and have just been grabbing quick food from the supermarket on the way home from work which has had an impact on the food budget.

    Was on night shift last night so haven't done anything today other than sleep and then watch the rugby that I recorded. At least it's been a NSD

    Tomorrow's plan is to meal plan, go shopping and batch cook some meals for during the week. I imagine that this week will be more of the same work wise so will try and be more organised. Also need to tidy and clean the flat, it's an absolute disaster zone
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 12th Mar 18, 10:26 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Got all the jobs done yesterday . Spent £36.08 on food, £6.39 on cleaning products, £37.52 on petrol, £10 transferred to my sister for a mother's Day gift, £10 transferred to a friend for sympathy flowers for another friend and £10 taken out the bank to put into a collection at work. So a very spendy day yesterday. Have taken £30 out of the social budget to pay for the flowers and collection.

    So budgets currently look like this
    - £101.06/£150 food little bit more than I'd hoped to spend this far through the month
    - £7.39/£20 cleaning products
    - £37.52/£60 petrol
    - £45/£150 social
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 13th Mar 18, 10:20 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Spent £6 on light bulbs, £1.50 on ys flowers and 50p on tonic water today. Had a nice relaxing evening watching the bake off with a g&t and painted my nails.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 16th Mar 18, 7:19 AM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    The last few days have been NSDs . The social budget will take a bit of a hit over the next few days as I'm going to the cinema tonight after work and tomorrow we're going to the pub with friends to watch the rugby.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 17th Mar 18, 10:08 AM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Spends for yesterday were £6.99 at the cinema (£4.99 ticket and £2 on snacks and juice at £land ) and £12.15 on a food shop. £4 of that was on a large chicken so we'll have roast chicken tomorrow and leftovers throughout the week.

    Best go and get ready as we're meeting friends at 12 to watch the rugby
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 18th Mar 18, 9:38 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Yesterday spends were £99.95 while out which is not great but we were out for over 12 hours and had drinks, a meal out and taxi home so I guess it could have been worse. I've now gone slightly over the social budget and still have leaving drinks for a colleague and a hen night to attend this month. The hen night is right at the end of the month so I'll have been paid again and I will just drink soft drinks at my colleagues leaving do.

    Today has been a NSD . Had a yummy chicken dinner for tea and made chicken curry which has gone in the freezer. Tomorrow's tea will be cold chicken, hm chips and salad. Hopefully there will enough to go into egg fried rice on Tuesday. Will need to go to the supermarket tomorrow as OH is about to run out of milk and will need to get lettuce for the salad.

    I've made a £5.35 payment to the car debt today which takes it to 22% paid off
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • monz
    • By monz 19th Mar 18, 10:36 AM
    • 3,188 Posts
    • 10,114 Thanks
    monz
    Good for you having a we spendy day out! Deserve it after all hard work saving and paying things off xx
    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 20th Mar 18, 11:19 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Spent £10.11 at the supermarket yesterday, today has been a NSD
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 22nd Mar 18, 9:41 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    NSD yesterday . Today I spent £6.99 on a top and cardi from the charity shop and £7.38 in the supermarket, £4 of which was on washing tablets.

    Feeling awful at the moment with being back eating gluten, looking forward to getting the endoscopy done and going back to normal.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 28th Mar 18, 10:34 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Haven't posted for a wee while as it's just been a horrible week really struggling with everything.

    Payday tomorrow, haven't even started a budget yet but will do it tomorrow after work.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • monz
    • By monz 29th Mar 18, 10:24 AM
    • 3,188 Posts
    • 10,114 Thanks
    monz
    Aw no!!!! hope you are ok!!! <3 if you need to talk mail me xx
    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 29th Mar 18, 10:04 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Och I'm fine really monz - just working too much, super tired and feeling sorry for myself. I'll be ok

    Payday today but too tired to post budget, heading for an early night.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 30th Mar 18, 10:15 PM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Endoscopy was done today so looking forward to getting back to eating properly and hopefully feeling better.

    Budget - £1848.58
    - £1100 usual bills
    - £200 food/cleaning/toiletries
    - £150 car payment
    - £60 petrol
    - £40 electricity bill
    - £20 car fund
    - £20 emergency fund
    - £30 sponsorship (£10x3 to different friends who are fundraising)
    - £35 entry fee (I'm going to be doing a sponsored walk to raise money for my work)
    - £103.58 debt repayment
    - £90 social

    Still need to pay accommodation for the wedding and holiday. Also could do with some new clothes. Need to come up with a plan as feel like money is just not stretching far enough. Too tired tonight though, off for an early night again.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • misstara
    • By misstara 4th Apr 18, 7:22 AM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    I've taken £50 out the bank and put it in a separate purse which will be just for food/cleaning/toiletries. I plan to do this each week. So far I have spent £27.28 of it, £15.28 on food and £12 on toiletries. Hoping that I'll be able to keep a better eye on the spends this way and maybe have some leftover cash at the end of the month.

    Not much else to report - just work, work, work. I lead such an exciting life
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
    • monz
    • By monz 4th Apr 18, 8:41 AM
    • 3,188 Posts
    • 10,114 Thanks
    monz
    Can see your debt is going down nicely well done xx
    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 5th Apr 18, 7:20 AM
    • 2,726 Posts
    • 19,314 Thanks
    misstara
    Thanks monz, it's going down slowly but surely. Another £3 paid off yesterday

    Weather was awful yesterday so a NSD as all I did was go to work and back. Looks much better today so plan to go for a walk after work. Also will need to go to the supermarket as I'm currently drinking the last of the coffee.
    Debt at LBM Jan 2014 £10458.09 Now £0
    New flat debt Jan 2017 £2302.75 Now £810.49 (64.8% paid)
    Car debt Nov 2017 £797.68 Now £542.46 (32% paid) + monthly payments £146.82 5/60
    Emergency fund - £36/£1000. Car fund - £0/£1000.
    Mini Targets in May
    Exercise target - 10/16. Groceries target £170.88/£200. NSD target 11/19.
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