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  • FIRST POST
    • littlebylittle26
    • By littlebylittle26 14th Jul 17, 1:04 PM
    • 40Posts
    • 44Thanks
    littlebylittle26
    Now I own a house... time to get my ish together!
    • #1
    • 14th Jul 17, 1:04 PM
    Now I own a house... time to get my ish together! 14th Jul 17 at 1:04 PM
    Ok - 3rd diary attempt..

    I picked up the keys to my first flat last Thursday and so this begins my journey moving forward as a homeowner!

    Debts:
    Family loan - £12k (£2k by January, the rest negotiable over time)
    Mortgage - £124,612.10
    Credit card - £2744.04 (0% until summer 2018)

    Time to start shifting these a little bit at a time! Using YNAB in hopes I can think a bit more about my spending and shave off some pennies over time.

    Thanks for joining me on my journey!
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Page 1
    • littlebylittle26
    • By littlebylittle26 14th Jul 17, 1:11 PM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    • #2
    • 14th Jul 17, 1:11 PM
    • #2
    • 14th Jul 17, 1:11 PM
    So... £241.49 to last me the rest of the month. I'm off to London next Thursday night for a long weekend to visit a man.. I'm not quite sure what's going on with us, he flew up to see me last week () and I really fancy him, interested to see where things go. I'll be staying with him so no accommodation costs but no idea what we're going to be doing when I'm down there so will need to be careful with my cash until then.

    Getting my nails done tomorrow (£28) but have already moved £30 from my account to cover this.

    Not sure of my weekend plans, having a quiet night in tonight and will head home at some point to see my parents and cousin - though it'll be a night in. Expecting to spend ~£30 on transport and maybe a bottle or two of bubbles Need some toiletries so going to pick those up on my way home from work today.

    That will leave me with ~£200, I only really need a top-up food shop for this week so will hopefully have around £190 in the bank account when I leave next Thursday

    Let's see how I stick to this...

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    • littlebylittle26
    • By littlebylittle26 17th Jul 17, 5:30 PM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    • #3
    • 17th Jul 17, 5:30 PM
    • #3
    • 17th Jul 17, 5:30 PM
    So... £204.87 left in my account. May pop out and treat myself to a few breakfast bits (I'm working from home tomorrow) which will pull this down to ~£200ish.

    Really excited for the weekend ahead, this guy has pulled out all the stops! Booked somewhere for us for dinner on Friday night and is surprising me with a lunch venue on Saturday :-) think the plan is to be lazy for the rest so hopefully shouldn't be tooooo spendy...

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    • littlebylittle26
    • By littlebylittle26 18th Jul 17, 9:39 AM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    • #4
    • 18th Jul 17, 9:39 AM
    • #4
    • 18th Jul 17, 9:39 AM
    £6.72 spend in Morrisons yesterday, pulls my acct down to £198.15.

    Expecting NSD's today and tomorrow... having the experience from hell with getting my washing machine installed - who'd have known!!

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    • Chandelier.
    • By Chandelier. 18th Jul 17, 9:47 AM
    • 490 Posts
    • 1,321 Thanks
    Chandelier.
    • #5
    • 18th Jul 17, 9:47 AM
    • #5
    • 18th Jul 17, 9:47 AM
    Your weekend sounds lovely littlebylittle. I hope you have a great time.

    And nice to see a shiny new diary
    Check out my Diary
    • ChicaBonita
    • By ChicaBonita 18th Jul 17, 11:34 AM
    • 610 Posts
    • 1,334 Thanks
    ChicaBonita
    • #6
    • 18th Jul 17, 11:34 AM
    • #6
    • 18th Jul 17, 11:34 AM
    Hey! I'm hoping to be in your position soon (looking to buy a flat with the bf, hopefully be able to get a mortgage in principle in the next few months) so really interested to see how you get on. I hope you have a lovely weekend, sounds like he's spoiling you
    House Deposit:£10,341.94/£14,000 = 73.87% 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
    • littlebylittle26
    • By littlebylittle26 20th Jul 17, 9:10 AM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    • #7
    • 20th Jul 17, 9:10 AM
    • #7
    • 20th Jul 17, 9:10 AM
    Thanks all, really looking forward to it! Had this planned for a couple of weeks and I just can't wait to see him.

    Will update the spends come Monday... have a great weekend everyone!

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    • littlebylittle26
    • By littlebylittle26 25th Jul 17, 10:30 AM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    • #8
    • 25th Jul 17, 10:30 AM
    • #8
    • 25th Jul 17, 10:30 AM
    Had theeeeee nicest weekend in London... we've essentially decided to make a go of it which I'm so happy about but this will mean long distance which I've never done before. He's already booked to come see me in 2 weekends' time and I'm going to him 2 weekends after that.. excited to see where things lead.

    He would have paid for absolutely everything this weekend if he could have but I just wasn't for letting him! I have about £20 left in my account now post food shop - I get paid on Monday so this shouldn't be an issue. Fairly quiet week ahead :-) my friend is staying with me for 10 days as she has to wait for her lease to renew on her flat. She hasn't offered me anything to stay... don't know how I feel about it, I thought she would have given me something towards bills... but we will see.

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    • littlebylittle26
    • By littlebylittle26 26th Jul 17, 11:58 AM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    • #9
    • 26th Jul 17, 11:58 AM
    • #9
    • 26th Jul 17, 11:58 AM
    NSD yesterday and will be the same today :-)

    C

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    • Raven42
    • By Raven42 26th Jul 17, 12:25 PM
    • 8 Posts
    • 9 Thanks
    Raven42
    Just a little support message for the long distance thing, my wife and I did the same 5 years ago and although I have moved to be nearer her 3 years ago we really did make it work for the brief time we lived 250 miles apart.

    You will get told at many stages by others how mad you are and how they couldn't do it, and hey it might not come to anything but please do not let the distance be the reason.

    Advance trains were my saviour as soooo cheap but you have to get your diaries very organised but knowing the travel is paid so in advance helps the pocket when it comes time to board!
    Last edited by Raven42; 26-07-2017 at 12:26 PM. Reason: Error
    • quintwins
    • By quintwins 26th Jul 17, 12:28 PM
    • 5,020 Posts
    • 29,173 Thanks
    quintwins
    I always think long distance would be the best of both worlds. You don't have someone else in your home all the time, you don't have to feed them or clean up after them, you get the starfish in bed but you still get the support and fun stuff that comes with being a couple.
    DFW £1313/£28996 4.5%
    Aug GC £135.42/£170
    EF#240 £30
    Aug NSD 12/20
    • littlebylittle26
    • By littlebylittle26 26th Jul 17, 3:24 PM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    Thank you so much for the support - this is 400 miles but we already have plans for him to come to me next weekend and me to him 2 weeks after.

    Doing a mix of planes and trains just now and you're right, booking in advance definitely seems to be the way forward...

    I asked him what we'd do if things got serious down the line and he said we would talk about our options if and when the time comes. God he's so lovely
    • Hiddenidenity
    • By Hiddenidenity 26th Jul 17, 4:56 PM
    • 4,428 Posts
    • 18,047 Thanks
    Hiddenidenity
    So happy things went well
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £53.65 Cash + £75 Amazon
    • littlebylittle26
    • By littlebylittle26 27th Jul 17, 10:05 AM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    NSD yesterday, woohoo :-)

    Not so much today as I'll be meeting a colleague after work for some food, drinks and a catchup. Plan is to hit spoons so hopefully shouldn't be too spendy...

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    • littlebylittle26
    • By littlebylittle26 28th Jul 17, 10:34 AM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    Spent £34.31 yesterday on drinks, food, travel and a new mascara as mine had gone dry. Not toooo bad...

    Looking at my budget and I'll have £881 to play with this month after all my bills have come out, with all travel to London already paid for.. so why am I panicking?!

    Need to chill...

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    • littlebylittle26
    • By littlebylittle26 2nd Aug 17, 11:20 AM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    Hi All.

    A super quiet weekend as I've been down with a bug since late Friday :-( currently working from home and feeling rather sorry for myself.

    Payday has been and gone and I have £654.03 left in my account post-bills and mortgage payments. I'd like to save some of this ideally but I know it's my first "proper month" with my mortgage so going to take it easy on myself. Getting my hair done next weekend (about £90) and my nails and brows done tomorrow (£50) so realistically £500ish left to play with.

    The man I'm seeing is coming up this weekend... SO can't wait to see him argh!

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    • littlebylittle26
    • By littlebylittle26 7th Aug 17, 1:25 PM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    Spent a good bit more than I intended to... have about £300 left post-hair and nails... I have made £50 on ebay which I intend on adding to this. So worth it though, I had such a fabulous weekend with my new man. I am finding the distance really hard but he is so incredible that it almost makes the sad times worth it.

    Hoping I can scrimp the next couple of weeks and be left with a wee drop of cash. Going to London next Thursday for a long weekend which will be my main spend this month but I need to keep costs down otherwise.

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    • littlebylittle26
    • By littlebylittle26 8th Aug 17, 1:14 PM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    After a quick finance shuffle... I have £380.60 to last me this month. I have plenty of food in for lunch both this week and next so hoping to keep costs relatively low. Hoping I can maybe save £150 of this... need motivation!

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    • littlebylittle26
    • By littlebylittle26 10th Aug 17, 4:31 PM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    Update: ended up out for drinks with one of our partner companies two nights in a row. Had some beautiful food and drink which they mostly paid for but I bought a couple rounds/paid for taxis home.

    £316.38 in the bank and £9 in my purse. Not doing anything crazy this weekend... getting my hair done which I've budgeted for separately and I think I'll go see my mum on Saturday night so should be a quiet one :-) off to some leaving drinks tomorrow but not planning on going crazy..

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    • littlebylittle26
    • By littlebylittle26 11th Aug 17, 9:23 AM
    • 40 Posts
    • 44 Thanks
    littlebylittle26
    Spent £2 yesterday on a bus and £4 today on an all-day ticket. I have a colleague's leaving drinks tonight but contemplating staying on the softs or just sticking to a glass or two of wine... it's been such a long week so looking to get home early-ish tonight so should be fairly cheap :-)

    Otherwise, weekend shouldn't be too spendy.

    C
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