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    • Starmummy
    • By Starmummy 6th Mar 18, 8:09 PM
    • 263Posts
    • 1,165Thanks
    Aligning the Stars
    • #1
    • 6th Mar 18, 8:09 PM
    Aligning the Stars 6th Mar 18 at 8:09 PM
    Hi All,

    I've been lurking on the forum for a couple of years and this year I am finally ready to fully address my problems.
    A little background... I became a parent at 21 and became a single parent at 22 with no support from my DD father. Not exactly how I expected things to turn out! Thankfully I have an amazing family who have tried to help where they can.

    Well 6 years of working my bum off still didn't give me enough money to live off and between health scares, court fees (thanks to ex) and just trying to get beans on toast on the table I found myself in a LOT of debt.

    Now I shan't pretend I am a complete saint. As well as needing credit cards to pay for solicitors fees, my studies, food, council tax and just trying to keep us warm and fed...I also treated us to nice clothes and holidays. It was a pride thing, I didn't want people to think I couldn't cope, I didn't want my DD to miss out and being a single mum working 7 days a week is HARD.. I needed the treats for my sanity.

    At my very worst I carried almost 24,000 in debt over various loans, store cards and credit cards. YIKES!

    Well fast forward to present day and my life has improved unimaginably. I met my DP who has honestly changed our lives. He helped me see how strong and capable I was and with him by my side I set about living instead of surviving.
    My DD and I moved in with him almost a year ago and at the end of last year I pushed myself to get the job I deserved. So without the pressure of being completely financial responsible for my family (and the nice pay rise from my new job) I'm now in the position to get rid of the last reminders of my old life...The debt.

    I had my light bulb moment just after Christmas and have made massive headway in the year so far.
    As of today my debts look like this:
    Overdraft 1000
    CC1 2247 (currently @18.9%)
    CC2 3347 (2/3 of this is at 0% until October)
    Loan1 2113 (this is due to be paid off in August 2019 and fairly low interest approx 7%)
    Loan2 7352 (this months payment still to go out- paid off Oct 2019 again lowish interest was used to pay off a 24% CC)

    so total debt today 16,059

    I know I can do this. I am determined. This diary is for general ramblings and to keep me on track.

    So here's to getting my life in order and aligning the stars for an amazing future

    6 Month SHOPPING BAN (08/10/18-08/04/18)
    full post on pg 12 post 231

    * The shopping ban will not include the majority of consumables. I will still buy:
    --- Groceries
    ---Basic toiletries
    ----Health care
    ----cleaning products.

    * Basic clothing for Star Child (1 in 1 out)
    * I can spend money repairing things I already have
    * I will have an approved shopping list (noted below) I can purchase the items on this list freely but I must not deviate from the list.
    * I will not buy housewares
    * I will not buy books, e-books, magazines, Cd's, DVD's, subscriptions etc.
    * I promise to get rid of any clothes that don't fit, are in poor condition or I have never worn
    * I can still spend money on travel- only if I have completely saved up for the trip before booking.
    *I can still have my hair cut every 8 weeks.
    * 50 a month budget for socialising (remaining balance can roll over)
    *I can still buy gifts

    The Approved Shopping List
    * I can replace my sports swimsuit if it wears through -1 in 1 out
    * I can but new hosiery when the old ones ladder -1 in 1 out
    * I can buy 1 new pair of PJ bottoms- I have none
    *I can replace my running shoes 1 in 1 out
    * 1 black bra - 1 in 1 out
    Last edited by Starmummy; 08-10-2018 at 10:50 AM.
Page 13
    • Starmummy
    • By Starmummy 10th Oct 18, 7:54 AM
    • 263 Posts
    • 1,165 Thanks
    Hi Guys

    Thanks Becs that's a lovely thing to say. I am so lucky. That's not to say he is perfect, but he really is thoughtful and supportive and my life just isn't the same without him in it.

    I completed the wardrobe purge last night.
    I was ruthless, I'm down to 57 items of clothes, shoes, bags and coats. (not including sportswear and sleepwear- any sportswear has to be used for sport not running errands)
    My knitwear is somewhat lacking, 1 cardigan, 1 hoodie and 2 light Jumpers may be a bit of a struggle when the temperature drops but it was that way before the clear out- clearly i don't like shopping for knitwear.

    I haven't actually thrown/donated anything yet. I've bagged it up into old luggage and put it in the cellar, far enough away to not dip into on a whim so I can do the experiment properly, but not permanently disposed off in case I've chucked something I will really regret.

    I don't feel the urge to shop really, but I have started writing a list of things that need replacing from what is left such as my black suit that's 10 years old, white vest top to go under things, a nice jumper, a small cross body bag (the one i use every not work day has a broken zip)
    I'm hoping to save enough money from not unconsciously shopping to invest in good quality pieces consciously.

    Money news not much to say, no more put to savings,. Star Child's Dad hasn't set up the standing order for maintenance he promised he had- no surprises there really.
    Just keep plodding along.

    Mr Star should be back from a work trip tonight, I'm really looking forward to seeing him. We must try and squeeze in some quality time before he goes away again for a week in 8 days time. Between our jobs and Star Child there just aren't the hours in the day, neither of us are sleeping well and we are all just a bit grumpy and argumentative.

    Take care
    debt consolidated 16/8/18 12,267.85/12,618.12 (Total debt at LBM c..19k)
    EF savings 650.02 House Deposit (LISA) 136.25/12,000 1.14%
    • doingitanyway
    • By doingitanyway 10th Oct 18, 5:02 PM
    • 3,407 Posts
    • 18,520 Thanks
    Your wardrobe purge is very inspiring. Thanks
    Emergency fund 700/1000
    If not now then when?
    • Lucifa73
    • By Lucifa73 10th Oct 18, 5:18 PM
    • 7,441 Posts
    • 9,585 Thanks
    A wardrobe purge sounds like a fantastic idea! I'm going to a swishing event where you take 3-6 items of clothing you don't want anymore (this time it is party stuff) and for each item you get a token you can use to get something somebody else has handed in. Seemed like a good way to get something new for Xmas parties...

    Your energy really is very inspiring!
    Tesco CC 020718: 3502.86/240918: 3172.14 9.44%
    Surveys cashed 14.84/cleared 21.45/pending 0.90... (plus 600 YouGov points...)
    50ps challenge:19.00 5ps challenge: 4.10

    • Starmummy
    • By Starmummy 12th Oct 18, 11:11 AM
    • 263 Posts
    • 1,165 Thanks
    It's Friday!!!!
    Unfortunately Star Child was ill last night so a day of trying to work from home with her, not ideal because I'm snowed under on a project. No doubt I shall be working most of the weekend.

    It's not helping the shopping ban. I feel the need to cheer myself up. The silver lining to Star Child's Dad not paying maintenance this month means I couldn't even shop if I wanted as my account is bare.
    But all is not lost, debts have been paid and money put in savings...who is this sensible new me?

    The kitchen tap ( that's been leaking for ages) totally gave up this morning, thankfully in an off position. So Mr Star shall spend his weekend replacing the tap and sink and worktops- we had planned to do this anyway just not right now.

    I could really do with giving the house a deep clean-possibly linked to the sick child, but I just can't get motivated.
    Hopefully some fresh air this weekend and i'll be back to my old self.

    Take care
    debt consolidated 16/8/18 12,267.85/12,618.12 (Total debt at LBM c..19k)
    EF savings 650.02 House Deposit (LISA) 136.25/12,000 1.14%
    • redofromstart
    • By redofromstart 12th Oct 18, 6:30 PM
    • 1,974 Posts
    • 12,154 Thanks
    Loving that challenge and the wardrobe purge. I found that challenging myself about why I keep things worked really well to help the purge, and asking why when I want things works too.

    That said, I still own 31 jumpers!
    • redofromstart
    • By redofromstart 12th Oct 18, 6:41 PM
    • 1,974 Posts
    • 12,154 Thanks
    Also magazines, I can read quite a few online via my library ticket. I soon got bored and stopped bothering but it was a good reminder of how little return I got from them.
    • Starmummy
    • By Starmummy 15th Oct 18, 1:38 PM
    • 263 Posts
    • 1,165 Thanks
    The weekend was rather a quiet one. I stayed at home to study most of the weekend while Mr Star did house job, fixing the kitchen tap, fixing the leaky bath, fitting new fire alarms, painting skirting boards....the list of jobs never ends. At least I've finished the 'learning' phase of my exam prep- just got to practice loads of past papers and revise as much as I can. I must stay motivated I feel like I've been studying forever and I'm 5 months from being fully passing these 2 exams promises a nice pay rise.

    I did purchase one of my items on my approved shopping list so that's 52.50 gone.

    My personal account is looking VERY bare as is the joint account but I have no plans for the rest of the month, other than one date night before Mr Star goes away with work for the rest of the month.
    Feeling quite good at the progress I'm making. I've saved 280 (80 to the house deposit LISA, 200 general/emergency savings)
    I need to organise the scrap people picking up my old car so I can add another the House deposit most likely.
    I've paid just over 350 off the debts this month too.

    I'm feeling in control. It's such a nice feeling.

    I watched the Stacey Dooley documentary on fast fashion yesterday. It's given me an extra boost to keep going with the shopping ban. We all have so much stuff we don't need. Plus I'm in my 30's now, time to prioritise style and fit over trend.

    Just plodding on until payday

    Take care
    debt consolidated 16/8/18 12,267.85/12,618.12 (Total debt at LBM c..19k)
    EF savings 650.02 House Deposit (LISA) 136.25/12,000 1.14%
    • Starmummy
    • By Starmummy 18th Oct 18, 3:20 PM
    • 263 Posts
    • 1,165 Thanks
    It's almost the weekend.
    Working from home tomorrow as it's an inset day at the school and Mr Star goes away with work until the 29th

    It's been a really lovely couple of weeks. He has been so supportive picking up the slack at home and with Star Child while I've been pulling 11 hour days at the office. I'm so lucky I feel the need to pinch myself.
    I keep getting told off by him for saying thank you too much though

    We have a date night tonight, I'm so excited. My lovely parents are coming over to baby sit and we are going for a taster menu at a special evening at the local catering college. so posh nosh for 25 a head.
    This will probably be the last date night of the year because work is so busy for the both of us, Mr Star is working away almost half of the time between now and 20th December so these nights are so precious.

    I'm also feeling lucky to have a few days off in half term. Star Child is so often dumped in some kids club in the holidays, it will be so nice to have some girl time.

    We had the bedroom carpet fitted yesterday, it feels so much cosier.... and Mr Star has stocked up on firewood so us ladies don't freeze while he is away. I hope to finish the photo wall in the snug/dining room while he is away, and try and split some of the house plants.

    I've donated the 2 bags of stuff from the wardrobe purge. I have 1 bag of 'nicer' stuff that I must eBay on my days off.

    Other than that it's enjoying some gorgeous Autumn sunshine ( I love living in a countryside Market town this time of year) ...oh and I need to keep up with my studies. I need to just practice as many past exam papers as possible until I can answer them in my sleep and to time. A chunky pay rise in the new year depends on it....hello more wonga towards the house deposit.

    Have a lovely weekend guys.

    Take care
    debt consolidated 16/8/18 12,267.85/12,618.12 (Total debt at LBM c..19k)
    EF savings 650.02 House Deposit (LISA) 136.25/12,000 1.14%
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