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Aligning the Stars

edited 19 December 2018 at 2:25PM in Debt Free Diaries
547 replies 43.2K views
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  • Suffolk_lassSuffolk_lass Forumite
    4.5K posts
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
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    I hope all is returning to normality after half term and all is well with you?

    Save £12k in 2020 - #20 £2161.30/£5k 28.72% after Apr
    OS Grocery Challenge 2020 target £863.93/£3k 28.8% so far at end of April
    Mortgage Free Wannabes 2020 #37 £7,678.12/£15,000 51.9%
    MFIT T5 No 2 £50,483/£59,998 or 84.14% paid after Q5
    My Debt Free Diary is here
  • StarmummyStarmummy Forumite
    537 posts
    ✭✭
    Thanks for thinking of me Suffolk.

    I'm still about just not as often.
    Mr S has been away every other week...and will be for the forseeable.
    I decided to miss the exam. I really wasn't in the right frame of mind. It may seem silly as it's the last exam of 14 until I'm qualified but after 5 years I just need a bit of a break. I've decided to pick it up again after summer.

    We have just got back from a lovely weekend in The Lakes, it was what the 3 of us needed, a perfect re-charge.

    The debt is still going down and the savings are increasing but I'm not thinking about it quite so much.

    I've had a few health issues recently, nothing to serious, but I'm undergoing some tests. It has made me wake up to what is important. I'll pay off the debt and I'll get my qualification but it really doesn't all have to be done tomorrow.

    Take care

    SM
    debt consolidated 16/8/18 £9,788.01/£12,618.12 :( (Total debt at LBM 1st Jan '18 c..£19.5k)
    EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8% :D
  • StarmummyStarmummy Forumite
    537 posts
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    Just realised I could be in 4 figures by the end of the month! exciting
    debt consolidated 16/8/18 £9,788.01/£12,618.12 :( (Total debt at LBM 1st Jan '18 c..£19.5k)
    EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8% :D
  • AdventureWantedAdventureWanted Forumite
    1.4K posts
    1,000 Posts Second Anniversary Name Dropper
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    I think having a break from exams and recharging your batteries was a good idea. Well done on keeping up with the debt payments and savings. Getting in to 4 figures will be brilliant.

    Hope the tests go well and you get results quickly. Have a good day :).
    LBM Aug 2017.
    CC1 - £0 😁 / Was £5,185 1/8/17. | CC2 - £0 😁 / Was £13,470 1/8/17. | CC3 - £0.00 😁 / Was £11,400 1/8/17. | CC4 - £6,747.75 / Was £13,000 20/11/17 | DH CC - £0.00 😁/ Was £16,798.59 31/3/18[/i] | DH Car - £9,930.00 / Was £10,350.00 1/1/20.
    Challenges
    2020 1% challenge - #1 - 38% | PAYDBX 2020 -#29 Pd £4,642.25 / £12,000 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.
  • StarmummyStarmummy Forumite
    537 posts
    ✭✭
    Thanks Adventure.

    I feel like a massive 5 year fog has been lifted by deciding to delay the final exam.
    I will take it at some point in the near future but only when my mind is in the right place to do myself justice. I plan to just really enjoy the summer with StarChild. Every summer she can remember has been overshadowed with Mummy studying. I find at nearly 10 she really needs me on an emotional level. She has always been so understanding that I have always had to work full time and that Mummy's school work is important, it is about time I paid her back for her understanding.

    This summer is going to be amazing.

    We are back up to the lakes in a couple of weeks as we loved it so much.
    Then mid July we will go camping on the coast for a weekend for my birthday.
    First weekend of August we are in Paris as a surprise for Starchild.
    Then she gets 2 fun weeks staying at my sisters while I have to go to boring work and Mr Star is away in Sunny USA on a work trip.
    Then last week of the holidays we are in the Soca Valley in Slovenia.

    It all sounds very expensive but both Mr Star and I save a huge amount each month into pension and general saving. The debts are less than half what they were and less than 10% of our household income (mostly Mr Stars fab salary- although mine is pretty good) I don't want to work so hard and not enjoy it. I don't want to look back and think 'I wish I had just done it' plus none of it is going on credit cards or debt...all from savings and budgeting. Even if some moths are a bit beans on toast it's totally worth it to tick of more things on our family bucket list.
    debt consolidated 16/8/18 £9,788.01/£12,618.12 :( (Total debt at LBM 1st Jan '18 c..£19.5k)
    EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8% :D
  • StarmummyStarmummy Forumite
    537 posts
    ✭✭
    Just back from a lovely weekend in the lakes. A long drive for 2 nights but it was so lovely to let my hair down and really have fun with Starchild. Mucking around and being silly with her, camping, beans on toast and lost and lots of walking.
    Really loved having Mr Star home...in fact he is home for 2 whole weeks.

    I'll update my sig in 5 minutes so we can see how i'm doing with some milestones.

    Savings aren't quite as good as I had hoped as I've had no maintenance in 3 months. *eyeroll*

    still not back studying, i'm enjoying the head space. I plan to re-asses when I plan to get back into it after summer.

    I hope everyone has been well.

    Take care SM
    debt consolidated 16/8/18 £9,788.01/£12,618.12 :( (Total debt at LBM 1st Jan '18 c..£19.5k)
    EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8% :D
  • StarmummyStarmummy Forumite
    537 posts
    ✭✭
    signature updated.

    Into the 4 figures with debt!
    House deposit nearly 20%
    * with next months regular payments I will have paid of £10k of debt in 19 months!



    I will try and save more this month to top up EF. Fingers crossed I'll get some of the £1k+ maintenance SC's dad is behind on
    debt consolidated 16/8/18 £9,788.01/£12,618.12 :( (Total debt at LBM 1st Jan '18 c..£19.5k)
    EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8% :D
  • Suffolk_lassSuffolk_lass Forumite
    4.5K posts
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    That is great (that you had a great time, have paid down debt, have Mr Star home, have saved 20% of your house deposit).

    That is terrible (re maintenance) - is there anything you can do?

    Good to see you back and up for the challenges :)

    Save £12k in 2020 - #20 £2161.30/£5k 28.72% after Apr
    OS Grocery Challenge 2020 target £863.93/£3k 28.8% so far at end of April
    Mortgage Free Wannabes 2020 #37 £7,678.12/£15,000 51.9%
    MFIT T5 No 2 £50,483/£59,998 or 84.14% paid after Q5
    My Debt Free Diary is here
  • StarmummyStarmummy Forumite
    537 posts
    ✭✭
    That is great (that you had a great time, have paid down debt, have Mr Star home, have saved 20% of your house deposit).

    That is terrible (re maintenance) - is there anything you can do?

    Good to see you back and up for the challenges :)

    I wish there was. It has been the same story for almost 9 years now unfortunately.
    Part of what he is supposed to be paying is back pay through CMS and he isn't even paying that. He is self-employed so short of them threatening him with a criminal conviction/ prison time they have little power.

    Thankfully we earn enough for it not to really matter. (I tend to use it to top up SC savings or towards summer holiday childcare) It's more of a principal thing to be honest. It irks me that he can get away with being so irresponsible. SC is aware of how much of a let-down he is. She takes what she can from the situation.
    debt consolidated 16/8/18 £9,788.01/£12,618.12 :( (Total debt at LBM 1st Jan '18 c..£19.5k)
    EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8% :D
  • StarmummyStarmummy Forumite
    537 posts
    ✭✭
    Mr Star sent me the photos he took while we were in the lakes this weekend. I had an "OMG do I really look like that" moment.
    I'm 5 foot 6 (and a half) and wear a size 10 so I shouldn't look fat but I do. My torso is fine but my arms and legs look like bloody great sausages.
    I weighed myself this morning, 147lbs (this puts me just 9lbs away from being overweight) So not terrible but I just feel so dumpy and frumpy. Why do I not look slim at a size 10?! I'm active, running 5k 3x a week, I walk everywhere and swim lots. Just feel a bit down about it all to be honest.

    I feel I need to put some work in now I'm in my 30's or gravity is only going to make it worse.

    I've decided to just cut back, no biscuits and crisps and limit portion sizes of carbs at dinner, more fruit and veg and lots of water (goodbye milky coffee). I still need to be eating at least 1500 cals due to the exercise but I need to do something other than just cardio to tone up a bit. I will be upping my cardio anyway as I've signed up for a 180 mile relay run with a team at work- will see us each running 3 legs over the course of 36 hours- I've never run at night before so will be interesting. The average pace of the team is 8 minute miles ...I'm not that fast and I don't want to be the weak link

    I'd like to get down to 126lbs again- but I'll concentrate on losing 10% first taking me to 132 lbs.
    I aim to lose about 1lb a week. I'd like to feel a bit better in swimwear when we go away at the end of August and good in swimwear when we go away in October.

    Posting for accountability really.
    I need to stop being so complacent...The cream teas I had this weekend are not an appropriate lunch!
    debt consolidated 16/8/18 £9,788.01/£12,618.12 :( (Total debt at LBM 1st Jan '18 c..£19.5k)
    EF/FIT savings £97.24 Other Savings £12.17 House Deposit £4,762.64/£20,000 23.8% :D
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