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  • FIRST POST
    • littlebylittle26
    • By littlebylittle26 14th Jul 17, 1:04 PM
    • 54Posts
    • 59Thanks
    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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    • littlebylittle26
    • By littlebylittle26 4th Oct 17, 10:34 AM
    • 54 Posts
    • 59 Thanks
    littlebylittle26
    Spent £34.39 yesterday on an all day ticket, dinner and two drinks with the girls. They're girls I know through my ex and while I'm more than OK on a personal level with one or two of them there is a bit of awkwardness as a group - I found out by accident that one of them is having a flat party and has invited my ex (and his new gf) but not me. I was out one on one with her last week and we had a great time, so feeling a bit let down by this.

    Anyway! Onwards and upwards. Walked into work this morning and plan to walk back. Need a bit of a groceries top up so will sort that out later, shouldn't be any more than £10.

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    • littlebylittle26
    • By littlebylittle26 5th Oct 17, 1:16 PM
    • 54 Posts
    • 59 Thanks
    littlebylittle26
    OK not doing too well on the money front.. yesterday was a disaster spent about £40-50 all in because my boss asked me to go for "one drink" after work - I can obviously never say no! So annoyed at myself...

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    • littlebylittle26
    • By littlebylittle26 6th Oct 17, 10:19 AM
    • 54 Posts
    • 59 Thanks
    littlebylittle26
    Did a "big" food shop last night - £24.10 all in - and came home and batch cooked a big chilli, some curry and a risotto before portioning into freezer bags and putting in to freeze.

    8 portions overall - this means I won't need to cook for the next 2 weeks at least (assuming some eats from out-of-freezer/already in freezer). Really happy with myself.

    I also shredded some carrots and chopped up some leeks to freeze too to allow me to make soup on Sunday for the week ahead. Never done this before so hopefully it tastes ok...

    I have about £300 until payday. Sounds OK until you take into account that I'm in London next weekend and my man is up here the weekend directly after! Our plans are pretty much laid out though so hopefully this won't be too spendy. I'm going out for some £4 cocktails tonight with a friend so hopefully I won't spend too much there either - £30 is my limit. I've already purchased an all day bus ticket so it will be the night bus home. Given with the above I should be able to make it to Thursday (the day I go to London) without spending... fingers crossed...

    I get so frustrated with myself - since moving into the house I've really struggled to get to the end of the month without dipping into savings or adding to my credit card balance. It's like the devil on my shoulder is there telling me to spend. Wish I was better :-( I do manage to save at least £300 a month though so maybe I'm being too hard on myself.

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