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  • FIRST POST
    • misstara
    • By misstara 30th Dec 17, 11:01 PM
    • 2,876Posts
    • 20,340Thanks
    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 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
Page 6
    • misstara
    • By misstara 3rd May 18, 6:39 AM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Thanks ABA. Yep life is certainly busy at the moment but only 2 days of work left until 9 days off on holiday

    Spent 43.26 on food yesterday and 29.98 on petrol so that's us stocked up again.

    Made a 2.72 payment to the debt this morning

    Just away to head into work and then planning a walk after work, it should be a NSD.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 3rd May 18, 10:47 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    It was a NSD . Busy day at work followed by a long walk. Really enjoyed it but not much evening left to relax afterwards. Last day at work tomorrow and then 9 days off
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 4th May 18, 7:20 AM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Made a 3 payment to the debt this morning - the bank account reward. Off to work, last day
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • monz
    • By monz 4th May 18, 8:27 AM
    • 3,337 Posts
    • 11,081 Thanks
    monz
    Enjoy your days off you deserve it xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 33
    car PCP - 948.95/11848.25 mum and dad 1,300/4,000 mortgage - 83,378 o/s currently - paid 934.10 (19.65 overpayment)
    Christmas - 0/500
    • misstara
    • By misstara 9th May 18, 10:49 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Thanks monz

    I've not posted for almost a week and it's been rather a spendy few days. Planning to head to bed so will tally up everything tomorrow and see the damage
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 10th May 18, 10:58 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Ok round up of the last 7 days

    Friday.
    Headed out of the city to meet up with friends before the wedding, spent 20 on a meal out and drinks

    Saturday
    The wedding . Ended up being a really cheap day - 15 spent on drinks

    Sunday.
    Went for a lovely walk in the sunshine before heading back into the city. Did the weekly shop - 38.25 spent

    Monday.
    Went for a long walk with a friend, it was a NSD

    Tuesday
    Did a short shift for 2nd job and then met an old colleague for lunch - 15 spent. Also did a wee bit of shopping - 12.55 from personal spends. It was a lovely day so we sat out in the sunshine with a drink (2.09) and then ended up meeting 2 other old colleagues for a coffee (2) so quite a spendy day but very nice

    Yesterday
    Did another short shift for 2nd job and then bought some things for my birthday meal - 17.82 spent

    Today
    My birthday! It's been a NSD as I haven't actually left the flat today, just spent a very lovely relaxing day with OH. Got a tablet from my family and perfume from OH . Had a super yummy steak dinner for my birthday meal

    So budgets are not looking too healthy
    Food - 120.65/200, 79.35 left with 3 weeks of the month still to go
    Social/personal - 166.14/180, 13.86 left with a girls night out planned at the weekend
    Petrol - 29.98/60, 30.02 left, only got quarter of a tank left so will need to get soon
    The microwave has gone kaput so will need to take some money from the emergency fund to get a new one

    Some positives
    - fridge is absolutely bursting with food so won't need to do a shop for a while
    - going for drinks at a friend's flat first on Sat so that will cut down on costs
    - should get around 40 next Friday for the two shifts for 2nd job
    - just waiting for some payments to clear with PA and then I'll be able to cash out 20

    I've downloaded a budgeting app which I hope will help with keeping an eye on the finances . I'm 34 today and I've decided I'd like to pay off all my debt by the time I'm 35. I know that it's totally unrealistic but going to give it a go anyway. I've made a 2.01 payment to the debt today
    Last edited by misstara; 10-05-2018 at 11:03 PM.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • monz
    • By monz 11th May 18, 2:24 PM
    • 3,337 Posts
    • 11,081 Thanks
    monz
    Happy birthday xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 33
    car PCP - 948.95/11848.25 mum and dad 1,300/4,000 mortgage - 83,378 o/s currently - paid 934.10 (19.65 overpayment)
    Christmas - 0/500
    • misstara
    • By misstara 12th May 18, 8:42 AM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Happy birthday xx
    Originally posted by monz
    Thanks monz

    Yesterday I spent 44 on a new microwave so the emergency fund has been depleted a bit. I also spent 10.90 from the grocery budget which was on washing tabs, deodorant for OH, butter, milk, eggs and flour. I made a 2.33 payment to the debt

    With being on annual leave, I've been managing to do lots of surveys. Cashed out a 7.25 @mazon voucher yesterday and just waiting for the pending payments in PA to clear.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 13th May 18, 9:35 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Spent far too much going out last night so will have to be very careful the rest of the month. Money from 2nd job on Friday will cover the overspend from last night and I've cashed out 22.83 from PA.

    Today I've spent 20 on petrol and 7.14 on hangover busting food and juice. I've made a 1 payment to the debt
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 14th May 18, 10:16 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    First day back at work and it was very busy. It's been a NSD
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 15th May 18, 9:53 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Got the 22.83 from PA today so made a 2.83 payment to the debt and put the 20 towards the electricity bill. Did some more surveys this evening and have cashed out a 5.50 @mazon voucher. Feeling very motivated to do surveys at the moment, already back up to over 10 in PA

    Both mine and IT's phones are out of contract so got another sim only one for me but a new phone for OH as his last one is just hanging on. Managed to save 5 on what we pay now, not much but every little helps!

    It's been a NSD today . Definitely won't be tomorrow though as we need milk and some toiletries.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 16th May 18, 10:48 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Very quick post before bed to say that I spent 12.45 today on food, toiletries and cleaning stuff. I had a lovely walk in the sunshine after work
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • in need of direction
    • By in need of direction 17th May 18, 7:22 AM
    • 5,261 Posts
    • 30,919 Thanks
    in need of direction
    You're doing well on this month's exercise target.
    Mortgage at 01.01.14 119,481.83 today 74,121.52, target 65,000 by 31/12/18 Offset fund today 307.27 target 5,500 by 31/12/18
    Emergency fund 860/5.5k & 200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • misstara
    • By misstara 18th May 18, 8:59 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Thanks INOD . Yep exercise is generally going well however wish it would have a positive effect on my weight

    Yesterday was a NSD

    Today I got paid 43.64 from 2nd job so paid the 3.64 to the debt and the 40 covers my overspend from the weekend. Bank balance is looking very sad though and there's still 12 days to go until payday

    Spent 12.10 on food today, got quite a few ys bargains which have gone in the freezer. Also spent 1.49 on lettuce seeds and 50p on a paper.

    Did a 11 survey on PA so once that clears, I'll be able to cash out again
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 20th May 18, 10:07 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Managed 2 NSDs over the weekend . I paid 3.04 to the debt today and I've just cashed out 20.29 from PA
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 22nd May 18, 10:42 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Yesterday was a NSD

    Today wasn't as we needed toilet rolls and a couple of other things. Just under 30 left of the grocery budget until payday, should be doable however fridge is looking quite bare.

    Made some soup tonight out of bits from the freezer - chicken stock, chicken, leeks, turnip and carrots, just had to add in an onion. Hopefully it will taste ok as there's 4 portions and I got 4 ys gf rolls while shopping so that's lunches sorted for the next few days.

    20.29 is now in my bank account from PA. Was hoping to use for something fun like going to the cinema with OH but will need to use some of it for petrol as I don't think the 10 left in the petrol budget will see me through to payday

    Feeling a bit fed up tonight - I got my pay slip through and it's pretty good as I did a lot of overtime last month. However I've been doing lots of overtime for the last 6 months and still seem to be struggling to stretch the money to cover the month, we always just seem to limp through the last couple of weeks to payday. Need to try and make a few changes.

    Off to bed, hopefully will wake up feeling more positive.
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • monz
    • By monz 23rd May 18, 8:40 AM
    • 3,337 Posts
    • 11,081 Thanks
    monz
    Just think you will soon be debt free and all that overtime will have paid off and you will have money to pay with <3 xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    house pot for bobs after fees : 33
    car PCP - 948.95/11848.25 mum and dad 1,300/4,000 mortgage - 83,378 o/s currently - paid 934.10 (19.65 overpayment)
    Christmas - 0/500
    • AleMrsT
    • By AleMrsT 23rd May 18, 10:45 AM
    • 570 Posts
    • 1,420 Thanks
    AleMrsT
    Hi Misstara, I've not posted or been on here for ages, but I always find it so motivating reading your diary. I think you do brilliantly managing your budget, especially now you have the car. We're struggling at the end of this month too as we spent more than anticipated on holiday.
    LBM Nov 2014 7586.85 DMP Jan 2015 7202.85 now 3466.60 (4120.25 PAID)
    Italy 2018 2103.44 now 0 (Thanks PPI!)
    Survey/cashback income (from Oct 2017) 125.86 (PLUS! I lost count)
    Emergency Fund 17/600
    Christmas 2018 60/400
    • misstara
    • By misstara 23rd May 18, 9:23 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Just think you will soon be debt free and all that overtime will have paid off and you will have money to pay with <3 xx
    Originally posted by monz
    Hi Misstara, I've not posted or been on here for ages, but I always find it so motivating reading your diary. I think you do brilliantly managing your budget, especially now you have the car. We're struggling at the end of this month too as we spent more than anticipated on holiday.
    Originally posted by AleMrsT
    Thanks monz and AleMrsT for your comments. It will all be worth it once I'm debt free

    Woke up today feeling awful and have continued to feel like that all day. Definitely coming down with something so that probably contributed to me feeling fed up yesterday. Been cold and shivery, headache, sore throat and feeling sick all day. Barely eaten anything and went straight to bed when I got home from work. Slept for about 3 hours and now feel marginally better but will be heading back to bed soon. On the plus side, it's been a NSD
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
    • misstara
    • By misstara 24th May 18, 12:18 PM
    • 2,876 Posts
    • 20,340 Thanks
    misstara
    Woke up after sleeping for 10 hours and now feel a lot better

    Spends for today are 25.94 on petrol and 20.99 on a pair of leggings, a case for OH's phone and a scented candle (paid for by @mazon vouchers).
    Debt at LBM Jan 2014 10458.09 Now 0
    New flat debt Jan 2017 2302.75 Now 570.94 (75.2% paid)
    Car debt Nov 2017 797.68 Now 406.58 (49% paid) + monthly payments 146.82 9/60
    Emergency fund - 77.04/1000. Car fund - 240/1000.
    Mini Targets in September
    Exercise target - 2/16. Groceries target 74.23/200. NSD target 6/20.
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