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lilmissmups £20k in 20mths moving on diary!

lilmissmup
lilmissmup Posts: 6,884 Forumite
in Debt free diaries
As i am now debt free i have decided to start a new diary to help keep me on track with my plans to buy my first home with OH.

We have been living together 5 years and rented but i hate renting and want our own home before we have a baby so the aim is to save £20000 in 20 months or sooner!

So aim is to have the money by 20th May 2010 which seems ages away but isn't really! I started saving on 20th September and currently have £73.08 of my total.

Link to my old diary here:

http://forums.moneysavingexpert.com/showthread.html?t=587392
Now a SAHM trying to earn some spare pennies each month
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Comments

  • lilmissmup
    lilmissmup Posts: 6,884 Forumite
    Heres my SOA updated as of today:

    My Salary: £1003
    OH Salary £1120 (approx can vary on Overtime)

    Rent: £550 (OH pays 1/2 so £275)

    Electric & Gas: £42.50 (OH pays 1/2 so £21.25)

    Water: £39.08 (OH pays 1/2 so £19.54)

    Council Tax £117 (OH pays 1/2 so £58.50)

    Sky: £20 (OH Pays 1/2 £10)

    TV Licence £11.70 (OH Pays 1/2 so £5.85)

    Pet Insurance : £16.41 (OH pays 1/2 so £8.20)

    Internet: £7.50 (OH pays 1/2 so £3.75)

    BT: £15 Approx (OH pays 1/2 so £8.20)

    I personally also pay the following

    Mobile Phone Bill: Approx £25
    RSPCA Donation: £3
    Dogs Trust £4.34
    Braces £100

    So in total i pay £542.63 per month and am left with £460.37 per month.

    We also spend about £150 on groceries so i have approx £400 per month left to spend although i want to try and cut this down, not sure how yet though as i am addicted to Tesco clubcard and hate cooking so don't buy from scratch.

    My loan amount was £250 and i still want to save that amount each month plus get OH to save that amount too, also any cashback/survey money and free bingo/scratchcard winnings are to be saved too.

    So basically i will have very little spending money left each month :o

    This personal challenge seems harder now i have written all that but if i can clear £7000 of debt on my own in 17 months i am sure we can manage it, well i hope so! :p

    The council tax and water are paid over 10 months so in Jan and Feb i will have an extra £156.08 to save though :)
    Now a SAHM trying to earn some spare pennies each month
  • mumzyof2
    mumzyof2 Posts: 3,343 Forumite
    wishing you lots of luck x
    Sealed Pot dec 08 - dec 09 so far £27.67, Live off £4k Spent £330.20 GC £1,200 for 2009 Spent £50.78 PaD so far £650.07
    Debts: L/woods £154.00 C/One PAID O/D £649.90 Next £299.95 O/D PAID Gas £72.60 Electric £155.73 Mum £640.00 Orange £490.32
  • lilmissmup
    lilmissmup Posts: 6,884 Forumite
    Mumzy! Hope your all good, been ages since i spoke to you! Hugs!
    Now a SAHM trying to earn some spare pennies each month
  • babes21
    babes21 Posts: 1,665 Forumite
    Good luck, shall be following your diary x
  • mariagti
    mariagti Posts: 3,207 Forumite
    Part of the Furniture Combo Breaker
    Happy new diary! Good luck hun! :)
    Make £5 a day JAN £121/175 FEB £283/175:j
    Weekly Grocery budget of £35! Jan £95.05/175 Feb £37.53/175
  • doodledo_2
    doodledo_2 Posts: 4,676 Forumite
    Good luck with your new diary and saving for your deposit. A new house is a fantastic motivator to save your pennies.
    Proud to be dealing with my debts - DFW No: 712

    03/09/09 - DEBT FREE AT LAST :D
    Racing Hypno to Save - £10/£5000
  • lilmissmup
    lilmissmup Posts: 6,884 Forumite
    Well i added a whole 83p to the ISA today! :rotfl:

    BUT then i wasted £15 on Mecca Bingo and spent £47 in Tesco (get £15 back for OH's beer).

    Tomorrow has to be a NSD so i hit my 15 days on the NSD challenge (also so do Sunday,Monday and Tuesday) but Saturday i am going to town to get my hair cut and maybe buy a few bits from Primarni (Primark :p)

    I am also going to pay in my £60 tax rebate into the ISA this weekend.

    Oh yeah forgot to put i did a £4 survey from Itsyourview today so once that clears i have hit the £50 mark and they should send me a cheque next month so that can go into ISA :)
    Now a SAHM trying to earn some spare pennies each month
  • thepinklady
    thepinklady Posts: 1,459 Forumite
    Hiya Dawn,

    Congratulations on being debt free!!!!! You really deserve it, you have worked so har lately to make this day happen, and to make it happen one month early. Well done you hun!!

    :j :j :j :j

    xx
  • lilmissmup
    lilmissmup Posts: 6,884 Forumite
    Thanks Hayley hope you stay with me on my savings journey too :)
    Now a SAHM trying to earn some spare pennies each month
  • lilmissmup
    lilmissmup Posts: 6,884 Forumite
    Not a lot to report today, nothing in ISA, i am waiting on £3 from my green metropolis book sale to hit my account which i requested on 14th September!

    Had £1.13 turned to recieved today on Quidco but hoping Extrabet on my account is recieved this month too as it validated a couple of weeks ago as that will all go in ISA.

    I like putting something in each day even if its just 83p like yesterday :p

    I am going to pay in my £60 rebate tomorrow though plus £10 worth of 20ps :)

    Getting my hair cut and might buy a few clothes tomorrow too so might be an expensive day! :eek:

    Oops forgot to put i won a £10 amazon voucher today from Nielson Net Ratings (they are owned by P***c***) as i have some software installed on my PC which tracks my internet usage but it said it can take 8-10 weeks to be emailed to me!

    I actually thought i had won a Travel Adaptor as you play games to see what you have won but the email came through saying i can use the £10 to buy a travel adaptor but its going towards xmas pressies.
    Now a SAHM trying to earn some spare pennies each month
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