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    • kr147
    • By kr147 18th May 17, 9:47 AM
    • 5Posts
    • 2Thanks
    Sorting it all out... a 'got to start somewhere' diary
    • #1
    • 18th May 17, 9:47 AM
    Sorting it all out... a 'got to start somewhere' diary 18th May 17 at 9:47 AM
    A long-time lurker and poor implementer of all the amazing advice here on MSE. At 34, I've only just started a pension, don't own a house, have *some* savings but house prices are continually just out of reach, it's time to start understanding this thing called money.

    I'd also like to accumulate lots of badges

    To top it off, I have a complicated income. Some PAYE, some freelance, and a flat comes with my job, and my husband is even worse with money than I am! I also want to start a small craft business to help my mum and sister earn some money, but it is taking a while to get off the ground.

    Oh, and I'm expecting a baby in November.... where to start?!
Page 1
    • savingwannabe
    • By savingwannabe 18th May 17, 8:57 PM
    • 12,462 Posts
    • 45,805 Thanks
    • #2
    • 18th May 17, 8:57 PM
    • #2
    • 18th May 17, 8:57 PM
    Welcome, kr well done in posting. This is the site to join to learn about saving money. I have learnt so much from MSE.

    Usually it's a good idea to write out your monthly budget in a statement of affairs which is available on this site. Then you can see where you may save money.

    Just posting is a start so welcome and well done.
    Savings Fund(Nov 2017) 7000/8000 84%
    Happiness Fund (Dec 1st 2017) 60/600
    • kr147
    • By kr147 19th May 17, 11:59 AM
    • 5 Posts
    • 2 Thanks
    • #3
    • 19th May 17, 11:59 AM
    • #3
    • 19th May 17, 11:59 AM
    Thanks for the welcome savingwannabe

    Yesterday started well with a letter from the Student Loans people.... they were worried I had overpaid, and I have.... by over a GRAND! That would be better news if it weren't that I'm mega overdrawn this month. I'm rarely overdrawn but I had an unexpected expense so it set me back a bit. I should get the money back within 10 days... great start!

    One other good thing is that the other day I woke up at 4am, and instead of lying there being bored I got up and did my expenses, which I was well overdue.... so another 600! I need to do my expenses from my other job but I've been putting it off because it will be such a lot of hassle.

    I have been spending money on buying plants for the garden (all from half price or cheap plant sales!) but this means that the garden is looking lovely and we are less inclined to go out to pubs and things and spend money, so feel reasonable justified. Someone is selling a load of plants for 50p each on Gumtree so will check them out too.

    I'll defo take up the advice and start doing a budget. When I have done it before it has been TERRIFYING however!

    Woo look at me go!
    Last edited by kr147; 19-05-2017 at 12:32 PM.
    • Skint yet Again
    • By Skint yet Again 19th May 17, 1:18 PM
    • 2,626 Posts
    • 17,406 Thanks
    Skint yet Again
    • #4
    • 19th May 17, 1:18 PM
    • #4
    • 19th May 17, 1:18 PM
    Hi kr147 good luck with budgeting. Its taken me a few months to get my head round it. That's great news from the SLoan

    I've been getting cheap plants too, from friends / family and local car boot & community centre sales, its great savings compared to what you would pay in a shop / garden centre.

    Good luck with getting organised before your baby is due in November !
    Aims for 2017 -
    1. save as much as possible. spend as little as possible but still have a social life !
    2. no takeaways !
    3. shop once a week - no "top-up" shops - no unnecessary spending !!
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