Aligning the Stars

Things to do this week

*meal plan- DONE
*take cash out of JA for Starchild's youth group uniform £13- DONE
* check to see when Starchild's passport expires - DONE (oct 2019)
*pop to Pound shop for extra long matches for the woodburner. - DONE
*top up wood basket from the wood shed (free heat woo hoo!) - DONE
*return letter to school re. Starchilds school play, buy tickets
*wash bed sheets and towels
*meet up with friend on Friday night (stick to tonic water)- change to Saturday brunch
* keep budgeting spreadsheet up to date.
*return coat bought for Starchild (ordered two SC chose the £15 sale one. Yay!) -DONE
*take Starchild to dentist Friday. Book us both an appointment for September- DONE
* book car in for MOT (hope and pray to the motoring gods it passes)
*confirm date for fitting bedroom carpet- DONE

Hi Redo :j
Thanks for stopping by.

We chopped down three trees in our garden a year ago which is now seasoned and should last a couple of winters. Mr Star also has access to a free supply at work. We are very lucky as we live in an ancient draughty house that i'm pretty sure is colder on the inside in the depths of winter!

I'm so glad we don't have to buy it or it would be extra jumpers on for all :rotfl:

Hi Guys :j

So It's the weekend and so far it's been a good week.
I got the Balance Transfer Credit Card which covers all of CC1 and the interest paying part of CC2. That's at 0% for 32 months. It already feels like a little victory.:beer:
Now all my credit card debt is interest free until September.
My plan is to pay the minimum payments on the new CC and my 2 loans and to concentrate on building my £1000 EF and paying off CC2 until Christmas. Then attack the new CC with full force. Leaving the two loans to run to term as the interest on them is pretty low and they only have 18 months left to run.

There is one thing I haven't been honest about and that is my overdraft. I have a £1500 overdraft of which I am £1000 into it by the end of each month . I've been treating it as if it is my money. This is costing me over £20 a month in overdraft fees. That £20ish didn't seem a lot of money when i was paying far more interest on the credit cards. Now it seems like a total waste.
I have three thoughts on how to tackle this.
1) Chip away at it slowly by leaving any unspent "fun money" in my current account each month until it's paid off. However, i only have £75-£100 a month fun money which covers socialising, clothing, any other bits and pieces and for the next 3 months I'm also trying to set aside spending money for a weekend away.
2) Pay off overdraft before setting up an EF. I'm a little worried about having no OD and no EF and then resorting to the CC in an emergency.
3) The new CC also has an introductory (3 month) offer for money transfers at 0% with a 4% fee (which would be £40- less than 2 months overdraft fees) and the credit limit I have been given on this card does have space to do this.


Advise on the overdraft would be much appreciated.

In other little victories I found 53Euros in our giant pot of random change that I can squirrel away for my weekend away in July.
Unfortunately, I also found an old five pound note that I know can't use. Silly me.

Right weekend plans. Brunch with my best friend in town. I've looked at menu's this should cost about £10 and my only personal spend this month. Also need to buy flowers off the market for my Mum and drop a them off at their house for mothers day. That money will come out of the joint account. So far only spent £103 in the joint account and that has included £10 on the months toiletries, £75 on food and household (food should last until the middle of next week for 3 people) and £18 on Starchild (youth group uniform and tickets for a school play)
Now if only we could stick to being this savvy and this time next year Rodney we'll be millionaires :rotfl::rotfl::rotfl: