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  • FIRST POST
    • ChicaBonita
    • By ChicaBonita 22nd Mar 16, 3:51 PM
    • 621Posts
    • 1,352Thanks
    ChicaBonita
    Chica's gonna get a house! (hopefully)...
    • #1
    • 22nd Mar 16, 3:51 PM
    Chica's gonna get a house! (hopefully)... 22nd Mar 16 at 3:51 PM
    Hi anyone that's reading,

    I hope this is the right place to put this diary, as I don't have any debt...but I do have goals.

    My BF and I are hoping to be in a position early next year where we can purchase a place of our own. We live in an expensive area of the world (TOWIE land, but we won't mention that...) and we're both still living with our parents, which in our mid-to-late twenties isn't ideal. So the plan is to have £15,000 each by this time next year (if not earlier, a girl can dream...)

    I went to Uni, did a four year degree with one year abroad, and after deciding not to go into Law (my main degree subject), I struggled to find a job that fitted my skillset. I had no work experience to speak of, so after my degree got a couple of McJobs (which I didn't hate, just the shift work and the rubbish pay), a job in the city, and finally a job working locally to me. I've finally got a salary that feels representative of what I do, and I feel in a good financial positition to get to where I want to be.

    I'm not horrific with my money, but I'm also not perfect...I have a habit of denying myself something that I really need, to then buy something I don't quite so need, all because it was *cheaper*. Or I get trigger happy on my laptop when I've had a vodka on a Friday

    Either way, I thought detailing it somewhere that wasn't in my head, or spouting it to my boyfriend and colleagues (who, let's be honest, don't want to know the intimiate detailings of my budget!) and I've read so many diaries on here that I've been inspired.

    My hobbies
    • Yoga
    • Workouts with weights
    • Running (I am training to a half-marathon in June)
    • Writing
    • Most importantly - reading. I get through between 3-5 books a week
    Oh, does my cat count as my hobby? He's not technically mine, but he's my baby and I love him I spend more money on his treats than anything else!!


    I hope to be back later to detail the financials, but for now, adios!



    (And thanks for reading)
    Last edited by ChicaBonita; 22-03-2016 at 4:10 PM.
Page 22
    • ChicaBonita
    • By ChicaBonita 28th Jun 17, 11:09 AM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Also to add, my car had its MOT on Saturday, and it passed!!! So glad because I really didn't want to have the hassle of looking for another one (it's probably not worth paying much money on it if there's a real problem!) and as it's my first car I still feel pretty attached to it My step-dad had to get me new wipers before it went through as apparently they were hanging off So I had to pay a total of £60 from my car fund, which didn't hurt at all as the money was already there! That's a big load off my mind for the time being
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • Orange Ena
    • By Orange Ena 28th Jun 17, 9:16 PM
    • 1,214 Posts
    • 3,189 Thanks
    Orange Ena
    It's exciting to see a mortgage adviser CB

    Glad to read you had a good holiday but not so good that you're poorly
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Aug - £960
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £254.52
    Every penny is a prisoner
    • ChicaBonita
    • By ChicaBonita 28th Jun 17, 10:30 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Thanks Ena!

    We saw a mortgage adviser through bf's work as a perk (we won't pay them any fees if we use them) so we know ish where we stand, but just want to tie down exactly what we can afford as bf has had quite a substantial pay rise since we last saw her (lucky thing ) Once we see her I will update how we get on
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 28th Jun 17, 10:33 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    July Goals!
    While I'm here I want to set some goals for this month....
    • Pay £500 off CC (doable now holiday is over) (and do not spend on CC!) EDIThis goal should be clear my CC as the £500 from June's payday went int (think I confused myself!)
    • Have 15 NSD's
    • Upload at least 5 items to eb@y, even if they don't sell this month
    • Stay out of OD at the end of the month!

    I think that's a respectable list...I realise I always try to overshoot and then fail, so this seems conservative. Although the NSD's may be a struggle as we are looking after bf's sister's cat again, so we will be living in her house for a week. When I have to cook every night the temptation is there to spend on convenience but it's all good training for when we finally move out!
    Last edited by ChicaBonita; 03-07-2017 at 10:35 AM.
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 30th Jun 17, 10:48 AM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Payday wooo...

    Moved all my money across, no money into savings this month but I've paid £500 off the CC, and have earmarked £25 for the minimum payment which will be taken later in the month. Confident I can get it paid off with July's pay, and will be able to put the leftover into savings.

    I've left myself with £490 for general spends this month...this seems like LOADS of money to me as normally I only leave myself £300, but then I always end up in my OD, and I've also got a lot on this month...

    I'm seeing Green Day tomorrow at Hyde Park which was my Xmas present from bf (was obsessed with them as a teenager and never got to see them live), so that will be a trip into London and will spend on food and booze. Also got an afternoon tea at the end of July with my mum and bf's mum and sister. This will be interesting as I don't like tea or cake but I'm sure there will be something for me! Nothing too much in between but we will probably end up going out for meals as the month after a holiday always seems so dry and depressing otherwise! Will try to be good.

    Sadly excited to go to Ald! tonight, as I never really get to choose all my meals and food....I'm sure once I move out it will become tiresome (as it did when I was at uni) but for now I will take the excitement
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 3rd Jul 17, 10:33 AM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Well Green Day was EPIC. Had such a good time. Although between me and my bf we spent a small fortune, so need to reign it in now! Just consoling myself with the fact that it's not something we do often (ever) and it was so good I can't feel annoyed about it. I'm not sure the exact cost yet as I'm waiting for it to appear on my online banking.

    Still feeling the sinus/chest infection thing I've got going on, it is gradually getting better but it's lingering. Need to get back to eating well and doing yoga etc this week.

    Going to aim for as many NSD this week as possible, already bagged one yesterday as I was too fragile to leave the house!

    The money's gone off my CC, and something I bought and put on there can go back so the balance should be <£400 by the end of the month as my minimum payment will still go out. That means I can easily clear it with this month's pay packet

    Bf is going to organise a meeting with the mortgage adviser, will update when I know when that will be
    Last edited by ChicaBonita; 03-07-2017 at 10:46 AM.
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 4th Jul 17, 1:00 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    All my spends from Saturday have appeared on my bank statement, total was £72.07 for the day. While that is a lot of money it's much better than I expected! Had to go to the coop yesterday for chicken and roasted veg (made rump steak from ald! for bf and I, very nice and the cat also enjoyed his portion ). Today should be NSD2. BF has sent an email asking for an appointment with the mortgage adviser when I'm off work beginning of August
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 5th Jul 17, 8:51 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Well yesterday wasn't a nsd as I bought a green day cd set for £27 off my best fiend/enemy @mazon. Anyway today was nsd2. I went to my little brothers school play as he was the main character - different as it was a murder mystery and was also interactive as you had to guess who done it! Good to see him doing something he likes.

    Come back to the house I'm house sitting and had leftover spag Bol. Now for red wine and love island I'm sure most people on this forum hate it but I find it so entertaining, at least I don't have to think!
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 14th Jul 17, 10:47 AM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Nothing much to report, got 6 NSD's under my belt so far this month (hoping for no.7 today), been able to exercise again and things generally ticking along. Bf's sister & partner have been accepted for their mortgage in principle, so has put a rocket up my behind to make sure I'm putting everything I can into my savings over the next couple of months!! Been able to pay a bit more off the CC so balance should be under £400 but the end of the month. Still need to upload some items to eb@y, but I'm staying at bf's house over the next 11 days or so, so don't want to have a sale and then not be able to package it up straight away. Will make sure to put them on (or perhaps schedule them ) for when I'm back home full-time.
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • Orange Ena
    • By Orange Ena 23rd Jul 17, 8:38 PM
    • 1,214 Posts
    • 3,189 Thanks
    Orange Ena
    Hope all is ok CB
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Aug - £960
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £254.52
    Every penny is a prisoner
    • ChicaBonita
    • By ChicaBonita 24th Jul 17, 12:26 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Hi Ena, thanks for checking in! Money-wise it's all ticking along!
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 24th Jul 17, 12:32 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    I'm debating getting health insurance, but not sure if it's the right way to go....

    Long story short, I have my bladder issues, and IBS, but I have other issues that are going on. I decided enough was enough on Friday and went to see a GP. The condition she told me that I might have would explain my bladder issues, my bowel issues, and other issues I've got going on at the moment....and it's quite scary. Now, I don't want to completely jump the gun as I might not have this condition at all, but just having a name is both a relief and a new worry. But she won't refer me until after I've seen urology next week....

    The reason I wonder about health insurance is that it's taking me long enough as it is to go through the NHS for urology....if I have to wait for referrals and diagnostics for this other condition, it might take years, and quite frankly I've been dealing with the symptoms for years as it is, and it could affect my fertility.

    Do any of my readers (if there are any!) have experience with private healthcare, and the best way to approach it? I'm not happy with how the NHS is dealing with my bladder problems either, but feel I need to stick with it, at least until I hear what they say next week when I go back to the hospital.

    But I'm also conscious how expensive it may be, and we're looking to buy soon.......

    I'm conscious I always seem to be moaning about my health
    Last edited by ChicaBonita; 24-07-2017 at 12:35 PM.
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 8th Aug 17, 7:56 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    So an update...

    The past week or so has had many ups and downs. I had last week off work as it was my birthday. I spent time with my mum on Monday, Tuesday I spent with my nephew, Wednesday I went to the hospital and finally got a proper diagnosis for my bladder problems. It's not a curable condition, but it is treatable, so while I am upset that it is not a nice condition to have I am relieved that I finally had someone listen to me, and not brush off my problems as other consultants have. Thursday was my birthday, so I spent that with my bf having lunch in a nice London restaurant using a voucher his sister had got us for Xmas. Friday we went to see the mortgage advisor, and in January we will be in a position to start putting offers on flats. We need between £6k and £8k for stamp duty, fees etc, but the £8k would be if we were going for a £300k flat, which we aren't. So the realistic figure is another £6 between us, which we can easily do in another 5 paydays. Feel happy and excited. Saturday I had my birthday night out, which I do every year. Was good fun, was happy with the turnout and didn't drink *too* much which was the plan!!! I can't handle my drink very well any more

    My mum and me have caught a cold off my nephew, so today I ended up coming home from work as my glands are so swollen, and I feel fluey. Hoping that I can force myself in tomorrow (and stay there!)

    I've sold a pair of shoes on FB, so waiting for them to be received so I can put the money into savings. Also sold a skirt on eb@y but have a feeling the buyer won't pay, as she asked a question after she'd put a bid in, and now hasn't paid that the auction is over. Waiting game on that one.
    Last edited by ChicaBonita; 09-08-2017 at 10:31 AM.
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 16th Aug 17, 8:57 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    So I'm going to adjust my signature as I will most likely need £14k by January for the house deposit. So as it stands, I am 73.87% torwards my goal I've had a few eb@y sales and managed to claim money from PA, so even though I couldn't put any money towards my deposit fund from July's payday, I've still managed to send some money across that I've made in other ways.
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 25th Aug 17, 12:38 PM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Well thought I'd update as I've had a bit of a success with a retailer...

    When I had the week off for my birthday, I went with my mum to a designer outlet. To treat myself (look away if you're sensitive!) I bought myself a backpack that was reduced from £350 to £219. I was happy with that price, and had been looking at these backpacks for ages. When I got home, I found a tag tucked inside that said £189. I didn't think anything of it, as there had been other tags in other shops there that were slightly wrong, so I just ignored it.

    My mum, love her, was being nosy and looked in the bag, and found the tag. She messaged me to say that they shouldn't have charged me £219 if the tag said £189! So I emailed the outlet with pictures of my receipts and the tag, and they have come back saying that I was overcharged and they will be refunding me....now I'm chuffed with that, as I liked the bag at the price I paid anyway, but how many other people were caught out by that, and like me originally, didn't think to follow it up!?

    When that arrives in a couple of weeks (has to go via international banking as the store is a couple of hours away so going back for a refund would negate the refund!) I will pay that off the CC that the bag went on originally.

    I always feel awkward posting about spending on this kind of thing as it seems to be frowned upon here (rightfully so for most MSE people I guess) but this just showed to me that all retailers try to pull fast ones, be they normal or "designer".
    Last edited by ChicaBonita; 25-08-2017 at 12:42 PM.
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • Orange Ena
    • By Orange Ena 25th Aug 17, 11:22 PM
    • 1,214 Posts
    • 3,189 Thanks
    Orange Ena
    Hey, well done about the refund. And well done CB Senior Nice little bonus.

    Have a great weekend
    Debt April 2015 - £6895.44 Debt April 2017 - £2500 May - £1455 Aug - £960
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £254.52
    Every penny is a prisoner
    • ChicaBonita
    • By ChicaBonita 29th Aug 17, 11:26 AM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Well I was having a lovely BH weekend until Sunday evening....

    I decided to empty my pound/2 pound pot that I've had for a couple of years. All money in there was going to be added to my house fund as a little boost. As the pound coins were all old (so due to expire in October), I decided to get them out, count them up, and then cash them in this weekend.

    When I started to empty it, I realised all the coins were 1ps, 5ps, and 20ps - no pounds or 2 pounds.

    As it turns out, my 15 year-old brother since January has been taking my money, and replacing it with change that I had in another pot in my room. I was so angry, hurt, and upset, because I can't even say for sure how much was in there (the pot holds up to £1k), and he wouldn't be able to say either as he was taking it on an ad hoc basis. But the worst part for me is that he spent it all on sweets.

    I'm still hurt over it, and he has not apologised to me yet, and I'm not sure I can face him! It's such an anti-climax now because I was excited to count up my money and be able to put a not-insignificant sum into my fund to boost it.

    Who needs enemies when you have family like that
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
    • ChicaBonita
    • By ChicaBonita 11th Sep 17, 9:44 AM
    • 621 Posts
    • 1,352 Thanks
    ChicaBonita
    Update time - my refund came through for the overcharge on the bag - they sent me the £30, but they also sent me a separate payment of £60 chuffed with that lol. I've treated myself to a face powder that I've wanted to restock for a while but didn't want to pay the money, and the rest can stay in my account as a cushion for my every day spending.

    I'm going to Brighton with the girls from my bf's social group in October, will coincide with the Halloween celebrations so should be good fun. Was £123 for the airbnb and £32 for return tickets. I don't really make much of an effort with them so will be good to have some time away from the men! Means I have to look for a costume as well (I love dressing up )

    I don't normally talk about my bf on here but I need to get this down...
    he's really desperately unhappy with work, and it's making him depressed (although he doesn't see it as depression). I'm trying to be there as much as I can for him, but it means that when I have something I need to talk about I don't get much conversation back. All he wants to talk about is work, which I understand, but it's so draining and I don't know how I can be there for him while still protecting myself. I don't know if that makes me selfish, but I'm prone to low moods myself as sometimes I feel like I'm wading through mud with every day life. My boss talk to me like !!!! today and I needed some comfort but just got an emoji. I can feel myself pulling away from him, which upsets me.
    Last edited by ChicaBonita; 11-09-2017 at 9:50 AM.
    House Deposit:£10,856.75/£14,000 = 77.54% Money Made'17 August: £41.04July:
    £4.95
    June: £5.35 May:£30.30April: £51.09March:£28.25Feb: £120.47 Jan:£14.35
    Total Made '16:£284.60
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