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  • FIRST POST
    • donkids22
    • By donkids22 11th Feb 17, 5:23 PM
    • 141Posts
    • 656Thanks
    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 4
    • donkids22
    • By donkids22 25th May 17, 9:12 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    We have agreed to exchange and complete on the 9th june for the house which is very exciting but very worrying as i have so much to do. Making a list so i can cross off when i complete

    New house
    Clean top to bottom.
    Decorate
    Get plugs upstairs sorted
    Get the slabs lowered in the front garden below the damp proof course
    get the slabs in the back garden level
    Big freezer shop when freezer has been moved.
    Get skirting board fixed downstairs
    Make another list of curtains etc that are needed


    Old house
    Hand in notice to letting agents
    Clean fom top to bottom
    Get garden looking tidy
    Get rid of fridge/ freezer in kitchen
    Get rid of washing machine
    Bleach round the batchroom walls
    Finish packing
    Phone sky and cancel (or if they offer us a good deal arrange to get the broadband and telephone moved)
    Sort out all other bills for moving day
    Arrange to get the mail redirected

    Im sure there are loads more jobs just cant think of them now.

    With all the cleaning i have got to do it is a good job OH brought home a massive bag of cleaning branded products from work for 6 a bargain. (looked though the bag there must be at over 70 of products and all useful)

    My help to buy isa closing statement came today so get that sent to the solictor and then we are on target for the date.
    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 1st Jun 17, 10:24 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Still living in rented doesn't look like we will have the keys to new pad next Friday our solicitor is messing us about we haven't had any contact from them sent my help to buy isa statement last week and they were sending us consolidated figure which I presume means how much deposit we have to transfer and how much we cell get off the goverment. Emailed them and asked but all we get back is in need to fill out another form which we have filled out already and returned it just seems like they are stalling and if we ask a question they answer with another question or form to fill out. So we are getting fed up. I booked the buildings insurance and paid the deposit for the 9th which looks like a waste. We are both so fed up now it is a good job I didn't hand our notice in when solictors said it would be completed by the end of the month or we would be homeless now, we need to hand in our notice as we are wasting money on rent. Don't know what to do was going to hand in notice on the 8th rent due the 9th so this would give us a month to get everything sorted and moved 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
    • enthusiasticsaver
    • By enthusiasticsaver 1st Jun 17, 11:05 PM
    • 4,016 Posts
    • 7,216 Thanks
    enthusiasticsaver
    Sorry you having so much grief with solicitors. My daughter moved earlier on this year and had similar issues with solicitors stalling, asking one question and getting the answer then asking another one. A relatively short chain on both her purchase and sale still ended up taking about four to five months from offer being accepted to completion. It is a nightmare buying and selling property in this country.
    Countdown to early retirement on 31.12.17 4.5 months to go.
    • donkids22
    • By donkids22 2nd Jun 17, 9:28 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    We have no chain we are first time buyers and the house we are buying is empty as the couple who lived there have moved in to look after relatives I think that's what is so annoying. I'm over it now all the excitement has gone now and just fed up.
    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 9th Jun 17, 5:57 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Well today has been the day we have got the keys to our new house. Let the hard work begin. We are now going to be on a tighter budget and going to have to concentrate on getting the credit card amount down and to 0 hopefully.
    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 10th Jun 17, 8:17 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Been a busy day moved some boxes up to new house. Started stripping wallpaper in living room went to b and q and picked wallpaper for feature wall. Cleaned cupboards in the kitchen and run the washing machine to clean it out. Downstairs room with bathroom smells abit yucky hoping it's just coz it's been shut up and not lived in had all the windows open to air it out.
    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 Jun 17, 5:49 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Cant believe its two weeks since i was last on here. Still moving into the new house, the kids rooms are deocrated and only the living room left to do. Lost all track of my spending as i have took out new insurances, sky and other things i guess it will take a month for things to settle. We are hoping to be in the house next saturday and have everything moved in. Our tenancy is up the 8th of July so everyhing has to be out the old house and cleaned from top to bottom. OH has cleaned all the carpets at the new house ready the only problem we have is there is some laminate flooring missing in the lounge and we cant find anything to match it colour wise or fittings wise.
    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 Jul 17, 10:13 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Been so busy we are living in new house wulith packed boxes everywhere. Clearing them bit by bit this house is smaller than the rental so we will have to declutter. We hand the keys in for the rental I'm thinking that if we get back any of deposit it will be a miracle bear in mind we lived there 10 years and most of the things are wear and tear and the fact the landlord wouldn't do any work. Once I find the computer I can update my spreadsheet and start a new budget plan.
    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 9th Jul 17, 8:42 AM
    • 141 Posts
    • 656 Thanks
    donkids22
    Sat down yesterday and worked out a budget after all the bills have been paid me and OH will be left with 1000. We will split this so I will have £500 a month to spend on what I want, I am going to try and make myself a budget for this and pay and extra £100 off the cards. This won't start till August and we are going on holiday for a week which means extra spends. Only have a couple of boxes to unpack still annoyed one of my boxes is missing with my recipe books and my only picture of my nan and they are not in the boxes I have to empty.
    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 20th Jul 17, 9:34 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    August is going to be a new start and a new leaf in trying to pay off the debts that i have. I have sat down and looked at our budgets and we have split whats left 50/50 after all the bills have been paid. This leaves me 500 a month to spend on what i like. Im in charge off the food shopping budget and if i can save on this this is extra money that i can use to pay off the debts. So im going to carry on the meal planning and only buy what is on the list and no more popping to shops for extra food. We go on holiday the end of august so i am going to be careful with what i spend so at least i can have a bit of spending money then. I am going to start a spending diary again so i can keep a track of what im spending and it will make me think twice about the silly little spends.
    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 27th Jul 17, 7:17 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Since we've moved I have gone totally off the rails so I'm drawing a line under that and getting back onto looking after my money.

    Current debts are
    credit card bc £6518.18
    Credit card m £1015.00
    Credit card s £1278.82
    Tax credits £792.81

    Total 9404.81. Yikes a big figure but I'm determined to get it down. Got a few things I can flea bay to get some cash in. Just need to stop spending and get these scary numbers down. I've agreed a payment plan with tax credits and that's going to take 16 months to pay off, my main goal is to pay 2500 off credit card bc as this is the one I am paying interest on the others are 0%. Need to get a food budget up and running as well.
    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 Jul 17, 1:44 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Done the washing this morning can't hang it out as one minute it goes grey and the next the sun comes out put them on the airer in the kitchen as it get warm in there. Haven't spent anything today and just had lunch at my parents so that's a meal saved and we're having sunday lunch there as well tomorrow so another free meal. Get paid Monday and the car insurance is due out august full payment, need to budget what money I have left. Got confirmation from tax credits that the over payment payback starts august and will take 14 months. Got to do a meal plan for next week and do the ironing pile 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 2nd Aug 17, 8:05 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Today is my second nsd for august very pleased with this. Totally over the moon as the deposit for the rented house was paid back yesterday I was giving up hope of getting it back three weeks after we moved a out and now I have it, and best of all I haven't got to deal with the waste of space letting agents. Trying to set some budgets spent £50+ on things for the house so that is it till next payday in September.
    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 12th Aug 17, 7:15 PM
    • 141 Posts
    • 656 Thanks
    donkids22
    Used some of the deposit money to make payment on the cresit card so pais off an extra 275 off the card. I booked panto tickets for me, my mum and the kids as i promised the youngest i would take her so thats all paid for and more importantly something to look forward to. In the last week spent 120 on clothing for the kids as ive noticed that especially the youngest has hardly anything to wear and she is going to the childminders and getting mucky so needs extra spare clothing and we are going away to butlins for 4 days. Been feeling abit down today as the debts feel like they are out of control and we are going to be tied up with them forever. I am trying to focus on samll steps but even they seem massive at the moment. The food budget has been blown even thou i am trying to cook more from scratch but i have been going off shopping list and spending alot more than i need to and even popping out to the local shops to pick up things that i cant get when i do big shop or forgot. My next goal is to get the bc card under 6000. I am an impatient perosn as you can probably tell and there are loads of things i want done to our house but they are going to have to wait and do 1 project a month.
    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
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