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  • FIRST POST
    • Starmummy
    • By Starmummy 6th Mar 18, 8:09 PM
    • 263Posts
    • 1,164Thanks
    Starmummy
    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 RULES

    * 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 9
    • redofromstart
    • By redofromstart 23rd Jul 18, 10:55 AM
    • 1,968 Posts
    • 12,137 Thanks
    redofromstart
    hope you had a good birthday despite the spending.
    • NelliePie
    • By NelliePie 23rd Jul 18, 11:23 AM
    • 257 Posts
    • 554 Thanks
    NelliePie
    StarMummy Don't beat yourself up too much - yes you has a blip but we all have them every now and then. Be glad you know that it's a blip, the impact it can have and that you know how to sort it out. If you can figure out what the trigger was you can put plans in place to work around it. For example if it was it the birthday that triggered the spending, maybe have a little savings pot for next year so you can dip into to get your hair and nails done rather than spending on the CC.

    Try not to get too down on yourself, just use this feeling to keep you motivated and figure out your next steps. You'll be fine, just keep going!
    Last edited by NelliePie; 23-07-2018 at 11:23 AM. Reason: typo
    Little One's due date 18/12/18
    5/5/18 I became Mrs Pie
    FTB June '17 - £144k motrgage
    • DrSpendLittle
    • By DrSpendLittle 23rd Jul 18, 12:59 PM
    • 366 Posts
    • 1,266 Thanks
    DrSpendLittle
    Awww Starmummy!! Don't beat yourself up too much! Sometimes a blip is what we need to refocus and regroup. Embrace the blip! It's nothing more than a learning curve. FWIW I bought a winter coat in the sales as it ticked every single box on my wish list and I just couldn't pass up the opportunity for a bargain. I also got some bargainous knit wear for my A/W capsule. None were budgeted for but I'm glad I got wish list pieces for a fraction of the full price. I've rejigged my budget accordingly.

    I've loved my 30's so far. They bring a wisdom and maturity that is so precious. We're lucky to age. It means we still have life.
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £4,274.16/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £paid off/£1,894.92| Total Debt Repayments: £7,735.15/£12,585.14 (61.46%) | Outstanding Debt: £4,849.99 | House Move Fund: £0 / £4,000
    • Starmummy
    • By Starmummy 23rd Jul 18, 3:51 PM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    Thanks for the support Redo, Nellie and DrSpend. It's appreciated.

    My birthday weekend was lovely. Mr Star took the three of us to London, we stayed in a hotel, did a few tourist things and went to see a show.

    One of the major things I've decided about turning 30 is getting rid of excuses and stop being the victim or finding something to blame. I'm going to take ownership, take it on the chin, learn what lessons I can and move on.
    *Is my money situation really because of misfortune or poor choices? I need to be honest about my spending and set realistic targets for paying off debt.
    *Did I fail that exam because it was too hard or because I didn't study smart and spent too much time on social media.
    *Am I pushing myself at work or am I coasting?
    *Am I feeling unfit because I have no time to exercise more or am I refusing to make the most of opportunities?

    Do you see the pattern?

    Anyway...onward and upwards, I don't stay down for long

    Last edited by Starmummy; 23-07-2018 at 4:11 PM.
    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 23rd Jul 18, 4:33 PM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    THIS WEEK'S TO DO LIST

    *Wash Star child's duvet, mattress topper, cushion covers and throws.
    *Collect Euros for my trip.
    *Do at least 5 hours of studying.
    *finish reading the book I got at Christmas.
    *Book the rest of the holiday childcare.
    *Get front bedroom presentable for friend coming to stay.
    *Print off travel documents- make Mr Star aware of times to take me to airport.
    *Take impulse purchases back to shop.
    *Buy Star Child a new swimsuit.
    *post parcel.
    *prepare for meetings at work.
    *Spend less than one hour a day playing games/using social media on my phone.
    *Text friend back about having her for dinner.
    *Text other friend about booking her birthday treat.
    *Confirm visit to see my sister.
    *Drink more water.
    *Eat more veg.
    *Make up missed swim session.
    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 25th Jul 18, 2:53 PM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    THIS WEEK'S TO DO LIST

    *Wash Star child's duvet, mattress topper, cushion covers and throws. DONE
    *Collect Euros for my trip. DONE
    *Do at least 5 hours of studying.
    *finish reading the book I got at Christmas.
    *Book the rest of the holiday childcare.
    *Get front bedroom presentable for friend coming to stay.
    *Print off travel documents- make Mr Star aware of times to take me to airport. DONE
    *Take impulse purchases back to shop. DONE
    *Buy Star Child a new swimsuit. DONE
    *post parcel. DONE
    *prepare for meetings at work.
    *Spend less than one hour a day playing games/using social media on my phone.
    *Text friend back about having her for dinner.
    *Text other friend about booking her birthday treat.
    *Confirm visit to see my sister.
    *Drink more water.
    *Eat more veg.
    *Make up missed swim session.
    Originally posted by Starmummy
    I'm struggling this week. Work is difficult due to something beyond my control, The heat is exhausting because StarChild can't sleep so I get woken up multiple times a night.

    I just exploded at Mr Star!
    He sent me a news article about how important it is to save for a pension...I text back outlining my plans ( 5% comes straight from my salary, I will up this by £300 a month once i'm debt free and to 25% of my salary when i have some savings behind me) and his response was "well your debt is all 0% I don't know why you can't invest now, compound interest is so important" blah blah blah.

    I know how compound interest works! I just don't have to have the blinking money to invest in the first place
    Star child's dad disappearing off the face of the earth and not paying maintenance leaves a £250 hole in my budget.
    My pay less my contribution to the mortgage and bills, the household expenses account, car insurance, Star child's swimming, my debts, my mobile phone and contact lens payment leaves me a massive £53 a month.

    That £53 has to cover, clothing and shoes, treats and a social life, presents, haircuts, holidays, my toiletries, days out etc etc etc.
    He just doesn't get why I have no money. I'm so frustrated with him I just want to cry. He earns 3 times what I do.

    I appreciate he is trying to look out for the future but the pressure I feel right now is really turning my head inside out.
    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%
    • enthusiasticsaver
    • By enthusiasticsaver 25th Jul 18, 3:03 PM
    • 7,191 Posts
    • 15,633 Thanks
    enthusiasticsaver
    Saving into a pension is important and the earlier you do it the better the results as you obviously already know.

    I seem to recall you struggle with letting your obviously better paid DP carry more of the bills. If he was that worried about it he would suggest joint finances given you live together or are you resisting that? How much do you pay each month towards your debts? You pay 5% of your salary but presumably your employer pays something?


    I have advised my daughter to up hers gradually rather than a huge amount all at once maybe 1% a year. It is tax efficient to save towards a pension but if you only have £53 disposable income then it is obviously not going to happen. Is Mr Star not aware that you have lost child maintenance and how much of your income goes towards debt repayments?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Starmummy
    • By Starmummy 25th Jul 18, 3:25 PM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    My previous job the contribution both me and my employer made totalled 10% of my salary, in this job the joint total contribution is 5%. i also pay £25 a month into a LISA, a drop in the ocean but every little helps.

    As for household bills I just transfer a set amount to his account every month as my contribution to mortgage, council tax, and utilities. I then transfer a set amount (equal to Mr Star's contribution) to the joint account for food, fuel, holidays etc. Both these contributions total 53% of my income (without maintenance)

    My 'minimum' monthly debt payments (to pay to term on loans and before 0% ends on credit cards) are £640 which is 34% of my take home pay.

    I have told him about the maintenance. He seemed to think it was a 'nice to have' rather than I actually could really do with the money. I guess that is a self preservation thing for him though given that he supports Starchild emotionally and financially rather than my ex, he doesn't see that 'we' need my ex's help.
    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%
    • Moguline
    • By Moguline 25th Jul 18, 10:44 PM
    • 321 Posts
    • 960 Thanks
    Moguline
    Why are you paying an equal amount towards household expenses if he earns 3 times as much as you?
    I earn 50% more than my husband, so I pay 2/3 of the bills. It's fair as we both pay the same percentage of our wages towards our shared bills.
    I'm guessing your shared bills are based on what is an appropriate lifestyle for Mr Star's wages, and are therefore probably too pricey for yours?
    He's probably frustrated because he's trying to help you (and if he really does earn 3 times your wage, it sounds like the wouldn't even be a bug thing for him), and you're not fully letting him.
    Embrace this amazing opportunity life has thrown your way!
    If my OH suddenly had money and offered the kind of help Mr Star is offering, I'd bite his hand off!
    LBM: Christmas 2017 Highest debt (01/01/2018): £23,786 As of 30/07/2018: £19,570.38 Total reduction in 2018: -£4,215.90 DFD of my dreams: 31/12/2019
    • Starmummy
    • By Starmummy 26th Jul 18, 11:40 AM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    The amount I pay towards the mortgage, utilities etc is the figure he asked me to pay when I moved in with him. He knew how much my wages were then (significantly less than they are now) and what the household bills were as he had lived there a year and a half before we moved in.
    I never quibbled it as I assumed that it represented a fair proportion of bills.
    I'm reluctant to admit I don't actually know how much the bills are as he doesn't share that info with me. I do have a rough idea.

    I struggle talking about money with him as he expects to know the minute detail of my finances and yet doesn't disclose anything to me so really I don't know where I stand and what is fair. He is wonderful but he can be such a bloody hypocrite.
    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%
    • NelliePie
    • By NelliePie 26th Jul 18, 1:24 PM
    • 257 Posts
    • 554 Thanks
    NelliePie
    The amount I pay towards the mortgage, utilities etc is the figure he asked me to pay when I moved in with him. He knew how much my wages were then (significantly less than they are now) and what the household bills were as he had lived there a year and a half before we moved in.
    I never quibbled it as I assumed that it represented a fair proportion of bills.
    I'm reluctant to admit I don't actually know how much the bills are as he doesn't share that info with me. I do have a rough idea.

    I struggle talking about money with him as he expects to know the minute detail of my finances and yet doesn't disclose anything to me so really I don't know where I stand and what is fair. He is wonderful but he can be such a bloody hypocrite.
    Originally posted by Starmummy

    Maybe you need to discuss this with him ; let him know how you're feeling and say you'd like to be more involved in the bills etc. He has to understand that there's give and take so if he wants to know all about your finances you should be able to know about his too.
    Little One's due date 18/12/18
    5/5/18 I became Mrs Pie
    FTB June '17 - £144k motrgage
    • DrSpendLittle
    • By DrSpendLittle 26th Jul 18, 1:53 PM
    • 366 Posts
    • 1,266 Thanks
    DrSpendLittle
    One of the things I did when I had my LBM was get absolute clarity over the household bills and revise the monthly amount I was, at the time, giving DF which hadn't been revisited for over 5 years when the mortgage was still in his name. All immediate obligations except car insurance came out of his account. You'll see from my early diary posts that this was something, on reflection, that had caused me to avoid the responsibility of paying off debt and being good with money management. I digress.

    So, I made a spreadsheet of all our joint household expenses, apportioned a % cost per bill and calculated a total monthly cost per person. Well, it turned out I'd been overpaying DF by at least £100 per month!!

    I then took the opportunity to switch a lot of our utilities and service providers to cheaper tariffs, something we hadn't done for a good few years, which ended up saving us about £150 per month too.

    DF was fine with all that and encouraging too, especially given the savings he was also benefitting from.

    I'd recommend it. It'll give you more peace and certainty.
    Last edited by DrSpendLittle; 26-07-2018 at 2:24 PM.
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £4,274.16/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £paid off/£1,894.92| Total Debt Repayments: £7,735.15/£12,585.14 (61.46%) | Outstanding Debt: £4,849.99 | House Move Fund: £0 / £4,000
    • Starmummy
    • By Starmummy 3rd Aug 18, 1:52 PM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    Hi All,

    I'm back from my trip. It was so wonderful to have some quality time away with my friend and I did well on my budget.

    I also received some maintenance from Star child's father yesterday which came as a it of a surprise.
    I've done some budget tweaking for the month and I should be able to recover from the overspends of the last few months.

    This means by the end of the month I could be in the £11k's! How incredible! My goal of being under 10k by the end of the year is in sight...and I still have £400 in emergency savings. I must stay focused the next 4 months.

    I will update my signiture in the middle of the month when my big loan payment goes out.

    Take care
    SM
    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%
    • ftbwannabe
    • By ftbwannabe 3rd Aug 18, 4:25 PM
    • 184 Posts
    • 625 Thanks
    ftbwannabe
    Hi All,

    This means by the end of the month I could be in the £11k's! How incredible! My goal of being under 10k by the end of the year is in sight...and I still have £400 in emergency savings. I must stay focused the next 4 months.
    Originally posted by Starmummy
    That is fantastic, well done! You can do it!
    saving for house-buying costs £1475
    emergency fund £150//1330
    debts £1229.6/£17,483 | Outstanding Debt: £16,253.40
    • Rachel24
    • By Rachel24 3rd Aug 18, 6:25 PM
    • 204 Posts
    • 732 Thanks
    Rachel24
    Fantastic starmummy! Before you know it you'll be down to single figures! So sad you can't rely on star child's dad to pay maintenance eh.
    • Starmummy
    • By Starmummy 6th Aug 18, 9:46 AM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    Thanks Rachel and FTB. Rachel, it is a shame but his lack of involvement makes things easier, starchild is a lot more settled when he leaves her alone if I'm honest. The lack of maintenance is a small price to pay for her happiness.

    I'm definietly rolling with the punches a bit better than I thought I would.
    Mr Star had a work thing in London this weekend so we stayed with friends and had a really lovely time. It really helps when you have friends to stay with when you're on a budget. We only spent about £60 (topping up oyster cards, beers and takeaway) and we had a really good laugh.

    Star child is with relatives for a fortnight which gave us a chance to have a nice chat about life goals and plans. The general plan is to move away in 18-24 months but for the next 9-12 months at least we are just going to concentrate on me paying the debts and finishing exams and him milking his current salary as much as possible. A year of getting our ducks in a row before the next chapter.

    No money news really. It's just a waiting game for the loan DD and for some expenses at work to overpay the CC.

    Take care
    SM
    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 7th Aug 18, 12:26 PM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    I had some expenses come in today so another couple of payments have gone to the credit cards.
    I just have the DD to go out for the big loan and I'll be under £12k.

    Must keep chipping away.
    I seem to have got my mojo back now me and Mr Star are working on a joint goal.
    I can't believe how different my life will be this time next year compared to this time last year.

    Take care
    SM
    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 8th Aug 18, 10:12 AM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    Just a little daily update.
    August is such an expensive month. Not only is it the school holidays but there are five weeks between pay days.

    Our joint/household account is getting a right thrashing.
    The £280 for the second hotel for our Italy trip has been paid, Extra fuel to drop star child at a relative for a week has meant "free childcare" costing almost as much as summer clubs.
    I still have 3 weeks worth of childcare to juggle before we go away, work is super busy and Mr Star has a foreign work trip for 2 of those three weeks too.
    The balance in the joint account is £320...
    this has to cover:
    *£13 on paint for the back door (Mr star stripped it at the weekend so obviously its decided to rain for the first time in 11 weeks- must finish it before he goes on his work trip)
    *potentially 3 weeks of summer camp £247.50
    *new lunch bag and school cardigan for Star Child (we bought shoes in May)

    This leaves us about £42 for 3 weeks of groceries.
    fiddlesticks!
    I may have to beg anyone that will listen to have Star Child for a couple of days- and try and reduce my work load so I can work from home a couple of days.

    How many meals of beans on toast can we get away with do you think?

    Take Care
    SM
    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 10th Aug 18, 11:23 AM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    Hi All

    Well the paint for the back door cost £17! and then Mr Star spent £7 on new baking trays. I know the old ones are manky but they could have lasted another few weeks. ho hum.

    I've booked next week at Summer camp for StarChild to the tune of £82.50 - I know I'm lucky that it is so cheap but still the cost of holidays is crazy, it is one of the factors putting us off having another child. I still need to arrange the following 2 weeks. but I'm putting it off until my Grandparents get back from holiday at the weekend. I shall provided baked goods and bribe them

    I started seeing a counseller recently to deal with some of my past personal issues. I had the bill for this month and it's 20% cheaper than I thought. It's still a lot of money but Mr Star is supporting this. It is crutial for us to be able to move on to the next chapter of our lives. It's such a releif to be able to get everything out and allow yourself to get upset and purge emotions without the guilt or responsibility of someones reaction. I thoroughly recommend it.

    I'm getting my head back into text books too, I'm determined to pass these final exams in the next 7 months. I can't imagine how releived I'll be to not have to be an adult student anymore-although I have got another qualification in mind to take when this one is over. I have guarenteed payrises for every exam I pass with work so that's another (not so) little incentive.

    I do keep getting distracted at the excitement of relocating. I have to keep reminding myself that it is one step at a time and I should enjoy where I am at the moment. Life is good, our home is lovely, I need to practice appreciation.

    In debt slaying news I'm still waiting for the DD to go out for the loan. It's so annoying when a DD date is on a weekend. I want that debt figure to go down by £367 and take me into the 11k's !!! and the outstanding amount on the loan to drop below £5k

    I'm off to pick Star Child up from my relatives after work tonight and then it's a busy weekend so I will wish you all a good weekend now.

    Take care
    SM
    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 10th Aug 18, 3:46 PM
    • 263 Posts
    • 1,164 Thanks
    Starmummy
    Just thought I'd make a quick note of the things I need to do and the things I need to buy before the end of summer to keep me focused.

    TO DO
    *get photos printed for the photo wall in the snug.
    *sort through SC's craft box.
    *buy back to school bits.
    *look through wardrobes for anything we need to get before Italy.
    *arrange rest of holiday childcare.
    *meal plan to reduce grocery spends/use stuff up before holiday.
    *start thinking about SC's birthday
    *discuss carpet fitting with MrS before winter creeps in.
    *choose kitchen tiles for upgrade (repainting cabinets, replacing tiles and worktops)
    *finish hanging picture wall in the snug
    *order contact lenses
    *wash jumpers and jackets so they are ready for the colder weather.
    *clean out linen cupboard- throw away all manky towels and missmatch sheets (bar a couple for poorly child incidents)
    *re-position rug in the sitting room (it's taped down-check the carpets haven't been sundamaged)
    *get guest bedroom ready to decorate (we have had the paint for weeks)
    *check balance on John Lewis giftcard and Tesco clubcard points

    TO BUY
    *school cardigan for SC
    *pencil case for SC (they get to bring their own in yr4)
    *new lunch bag for SC
    *new backpack for SC (she has a habit of leaving fruit in the bottom until it's squishy and makes everything stink-kids are gross)
    *more picture frames for photo wall
    * storage baskets to house craft stuff and homework in the snug.
    *sun cream for Italy


    The 'to buy' list is relatively short and cheap- thank goodness given the state of the joint account (£220 remaining and still 3 weeks of food and 2 weeks of childcare to sort- must not panic)
    Last edited by Starmummy; 10-08-2018 at 4:29 PM.
    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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