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  • FIRST POST
    • donkids22
    • By donkids22 11th Feb 17, 5:23 PM
    • 141Posts
    • 658Thanks
    donkids22
    Getting out of the rut that has become life!!!
    • #1
    • 11th Feb 17, 5:23 PM
    Getting out of the rut that has become life!!! 11th Feb 17 at 5:23 PM
    Well here goes. I feel like that i have been stuck in a rut for the last ten years we have been renting the same house for the last ten years and are no longer forward than we were then. Me and Oh have two girls 12 an 7. Will do a soa later, but OH is not on board with the moneysaving. Anyway i know im rambling long term goal is to have somewhere of our own im 40 this year and feel that the time is right now to climb out of the rut that i am in.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
Page 3
    • donkids22
    • By donkids22 16th Apr 17, 2:54 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Managed another nsd today. Have eaten at the parents for the last three days so my freezer is still pretty full need to start emptying it ready for defrosting. Packed 4 boxes can't really do alot more as I have no where to put them. Spent some more time decluttering and I have made nearly £100 on fleabags also got three big bags ready to go to charity shop. Still got the kids rooms to sort so anticipating a lot more clutter to get rid of. Not sure how long it's going to take to complete on this house.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • another casualty
    • By another casualty 16th Apr 17, 4:02 PM
    • 3,031 Posts
    • 4,864 Thanks
    another casualty
    Howdy! Nice thread

    I just wanted to ask about your pension. I see lots of zeros on your soa. The company you work for, and all companies now require you to have a pension . It doesn't have to be a huge amount obviously, but if you're employed in the same place for sometime then after a couple of months you wouldn't notice it out of your payslip. Even if it's £30 quid a month . Just a thought.

    If you are buying a place , make sure you get a survey and ideally not the bog standard homeowners one . You don't need the dearest one , but unless you are buying new build its best to be safe than sorry,
    so the middle priced one is the way to go .

    If you do proceed with house purchase , then maybe an idea to get a fixed rate for 5 years or so? We all know that, the rate will rise now and will keep doing so . I could be wrong, but someone else may say something more sensible.
    Best of luck,
    • donkids22
    • By donkids22 16th Apr 17, 7:50 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Hi another casualty we have paid for the second level of survey nit sure what it us called. We have also paid and had the rate fixed for 5 years. We would love to have an idea how long the process takes as we are first timers and it all seems daunting. I'm off work this week so more decluttering to be done, meal planning, cleaning and ironing.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • another casualty
    • By another casualty 16th Apr 17, 8:04 PM
    • 3,031 Posts
    • 4,864 Thanks
    another casualty
    Hi another casualty we have paid for the second level of survey nit sure what it us called. We have also paid and had the rate fixed for 5 years. We would love to have an idea how long the process takes as we are first timers and it all seems daunting. I'm off work this week so more decluttering to be done, meal planning, cleaning and ironing.
    Originally posted by donkids22
    Seems like you've made the right choices

    Good luck with the week off
    • Chrystal
    • By Chrystal 16th Apr 17, 8:33 PM
    • 111 Posts
    • 625 Thanks
    Chrystal
    First of all Congratulations on your first home purchase! Hope you have a long and happy time in it. X

    I think the process from offer being accepted to exchanging contracts usually takes around three months, but your solicitor should be able to give you a better idea.
    • donkids22
    • By donkids22 17th Apr 17, 6:24 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Well I have another nsd today. Been to gym and ate our tea from freezer. Washed a load of washing unfortunately it's raining do not hung it out and I also packed another couple of boxes as well a busy day. Off all week so my plans are clean the windows at least inside upstairs as I can't get to do them outside. Wash the nets and eat all our teas from freezer and cupboards, meal plan and do food shopping and keep packing and sorting.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • Honeysucklelou2
    • By Honeysucklelou2 17th Apr 17, 10:19 PM
    • 511 Posts
    • 1,733 Thanks
    Honeysucklelou2
    Just read through your diary. How wonderful that your offer has been accepted and the mortgage application going through. Hope all the conveyancing goes smoothly and that you'll be moved in soon.
    paydbx #90 £475/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • donkids22
    • By donkids22 18th Apr 17, 8:28 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Received paperwork today from solictors that has got to signed and witnessed by someone. Haven't had an NSD today as I needed to get some new underwear ha ha. Haven't done any packing today but I did wrap 7 parcels and get them sent. Sold my old ipod today for £30 which is better than it sitting in a drawer not being used. Also jet washed the patio in the back garden and cleaned the inside patio doors. Aim to get the kids bedrooms sorted tomorrow wish me luck.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 19th Apr 17, 8:10 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Today was not an NSD as I realised too late we needed polish after doing a big shop yesterday. Cleaned all the windows inside and the downstairs outside as well, washed the nets and did another load of washing which was line dried. Ate our teas from freezer. Also packed another 4 boxes of kids stuff also tidied there bedrooms and I now have more ebay fodder and things for the charity shop. Tomorrow I want to pack some more boxes and hoover upstairs also tea from freezer/ fridge.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 21st Apr 17, 8:56 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Well another 35 made on eflea today. Still have some to finish tomorrow. More things leaving the house which is brilliant less things to move and cash I my pocket. Ate tea from the freezer and cupboard but today was a spendy day had mine and the two girls hair cut today for 20. also got rid of 4 large bags to the charity shop so feeling cleansed and tidier. Managed to talk oh in taking some bits to the dump tomorrow so more stuff out the way.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 23rd Apr 17, 5:00 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Today has been an NSD. We've ate from the cupboards and freezers for the last two days. Need to meal plan for the week as I go back to work tomorrow and I know hit will be tiring. Packed another couple of boxes getting more and more excited every day went to look at some wall paper as well I said to oh I will be having magnolia no where as I have had to live with it for ten years.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 24th Apr 17, 9:35 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Another nsd today. Back at work today so haven't got much time to do alot on the home front. Done a shopping list for tomorrow. Need to pack three parcels and get them posted out the way. Haven't heard anything on the house and oh is too scared to ask when they think we will complete as I do not want to pay any more rent than we have to. As we have noticed money will be tight once the deposit money is gone we will have no savings to fall back on plus our first mortgage payment could be 1400+ . He won't let me ask as he said we will just confuse them if we both start asking questions.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 25th Apr 17, 9:28 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Another nsd today. We havent heard anything from the solictors yet about the house they are not even keeping us informed as to what stage we are at. Hoping to be in by june but we need more info so we do not over pay the rent in the house we are in now as every penny will count if the first mortgage payment is over 1400. Posted some more parcels that had got sold.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 26th Apr 17, 6:33 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    So annoyed dd2 after school club have given me a letter saying g I owe them 44.50 which I know is wrong as I make a note of when I pay online also I pay £5 a session so something doesn't add up. The women said when i complained the accounts arent up to date. If I owe it fare enough but couldn't have come at a worse time. Had loads of stuff from solictors contents listing and deeds to sign but still have no time frame of when we will complete getting frustrated with everything. Anyway another nsd today and another couple of things sold on ebay.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 29th Apr 17, 2:32 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    The after school club thing has been sorted and I don't owe anything. That's a weight off my mind. Sold another 13 things on ebay I've sold now about 160 minus the fees which is fantastic for things that were just lying around the house. Contacted the solicitor no news on the move still waiting searches to come back and queries from the seller's solicitor to be answered. Just want to move fed up waiting.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 4th May 17, 9:18 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Well another week since we offered on the house and still no news from the solicitor it seems to be a slow and frustrating process. Going to email solictor and see where we are at OH rolls his eyes at me but i am person that likes to be on top of everything. So tomorrow is the pay off for the longer hours at work as i finish at 2pm so excited it means i can pick up dd2 from school which is something that i very rarely do which is why she has to go to after school clubs. Managed 2 nsds so far this week. Havent packed any more boxes but as we seem to be waiting for ever what is the point. Also good news work have finally sorted out my holidays and i have an extra two days holiday its only been on going since january.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 6th May 17, 7:33 AM
    • 141 Posts
    • 658 Thanks
    donkids22
    Well I emailed our solicitor yesterday and she has said they are looking at exchanging and completing for the end of the month. we are hoping to get out deposit back as we rent but we aren't banking on it, alot if the things wrong are mainly wear and tear but the garden is another matter it's overgrown mess so need to tidy it up a bit (lot). Got so much to do here now before we move need to carry on packing what we can and continue sorting out what we don't want.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 11th May 17, 8:49 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    Well today has been an eye opener we have had the survey back from surveyor for the house there are a few red marks which we are a bit worried about as we really don't have the money to make any improvements at the moment. We have not heard anything from the solicitor so will be chasing them again tomorrow.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • donkids22
    • By donkids22 18th May 17, 9:17 PM
    • 141 Posts
    • 658 Thanks
    donkids22
    I feel really down today solicitor is being a pain asking us to chase people but why have a dog and bark yourself. Closed down my first time buyer yesterday now the money appears to be in limbo the account has closed but they havent put the money anywhere if it's not in my account tomorrow then I'm going in saturday and kicking off I'm so fed up of being messed about by people. Still trying to eat what we have here without buying loads extra. Totally feel off the nsd and keeping cost s and not spending on the credit cards bandwagon and at the moment it's drove off and left me miles away.
    Pay off Debt 2017 no54. 1433.95/ 9691.07. NSD jan 15/15. NSD feb 12/15. NSD mar 5/15
    Apr 2/15. Xmas 2 a day no63 302/730. No buying unnecessary toiletries 2017. 1 debt versus 100 days 0/200. April Grocery challenge 210/240
    • kimplus8
    • By kimplus8 18th May 17, 9:28 PM
    • 614 Posts
    • 1,987 Thanks
    kimplus8
    Hi there, just read your diary starter entry so apologies if this has already been said, but you can try as hard as you may to sort out your finances but if your partner is not on board and blows the budget apart each and every month you will never be able to change your circumstances.
    I speak from experience. My stbexh was terrible with money and the more I tried to clear our debt it seemed the more he was spending because I had made us 'extra' money in his eyes.
    you both have to be on the same page for this to work or at the least you are solely in control of the finances beyond you arranging a budget with him.
    try to 'agree' an amount that you can both have as 'spending' or blow it money and you do the rest, try to agree with him that for a set time (6months, a year, 3 years , whatever) you will both have this amount to spend each month and the rest is for your financial commitments.
    sorry if I come across as brash, I just can see so much of myself and others situations in this and I know from my heart that you need to work towards this goal together or it wont work :-)
    Single Momma, Member of £1000 Emergency fund Club Check out my Debt Free Diary
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