The Ultimate Incentive to have an amazing 2010.

Cinny91

Things are sound pretty good, Dinah. Even with the needed extra savings for the house, I'm sure you'll get there!

That's great about the deposit though, is it all systems go for the house then? That's bloody exciting in a totally scary and far too grown up for me kind of way When do we get to see this house anyways? *taps foot*

Poolie

Good to hear Daddy NIM came up with the deposit for you. I am so close to clearing Mrs Poolie I have started to investigate ISA accounts for the next tax year.

Well the car is coming up for its first service, so decided to call round the Toyota garages. Turns out Reading is a lot more expensive than the garage she came from.

Dinah93

lulu984 wrote: »

Hows Etsy doing? Anymore sales?

Sadly no, I think I'm going to run a promotion on my blog next week to try to raise my profile a bit and maybe drum up some sales.

Cinny91 wrote: »

Things are sound pretty good, Dinah. Even with the needed extra savings for the house, I'm sure you'll get there!

That's great about the deposit though, is it all systems go for the house then? That's bloody exciting in a totally scary and far too grown up for me kind of way When do we get to see this house anyways? *taps foot*

The vendor has vanished off the pace of the earth, I am concerned its leading to her pulling out. We'll have to see. I'll pm you the house link though!

Dinah93

Signiture updated to ignore all regular savings and just track over and above savings, looks a bit sad at the moment!

Poolie

Just done the same to show the amount left to pay Mrs Poolie

Birdie85

That's good news about the deposit! Nice to have a figure finally, I hope the vendor's just popped away for a little holiday to explain the absence and not that they're looking to pull out!

I'm sure you'll magic up the shortfall in no time. Like I said before, I always picture you with money flying around your head so you'll be able to pluck it from somewhere!

You should get into making wedding cupcake towers, you could turn a good profit doing that!

Dinah93

Thats kind of my aim Birdie, this book tells me about the business side of things, so we'll see how it goes!

poddle911

Yay, that does sound like good news all round! Despite shortfall... But did you say you'd save about £1500 off stamp duty? That's nice day's saving

Good luck with the business book - you're so determined that I'm sure you'd make a success of it!

dippykitty

Dinah93 wrote: »

Money update (because its payday) Usual £1450 to savings has been partially sent (£500 still to go when NIMs wages arrive tomorrow or monday), so for the next 24 hours my target is slightly down as I sent £600 over to NIMs ISA to finish filling it. When the other £500 arrives everything I currently have in the rubbish % HSBC instant access saver will be sent to my ISA, should be about £1500, can't put more than £1900 in it anyway as I had some money in earlier in the year and withdrew it to pay the wedding deposit. Would have been nice to get the last £300 but never mind, can't win them all.

Had some good news off the wedding venue too, they don't really care when we pay them! So long as its before the wedding they're happy, so we can keep the money in the ISAs/savers for longer.

I don't know if I updated but we heard from NIMs dad. He has said he will give us e25,000 - about £22,000. With yesterdays abolision of stamp duty that means all we still have to save for the move is the remaining £1400 + £650 for conveyancing costs. All the wedding costs are already effectively covered with our monthy savings (right up to the wire - this even includes our 25th August savings!), so that means we need to find:
£1400 deposit
£650 conveyancing
£900 per month morgage/insurances until we move in, estimate at 5 months so £4500

TOTAL: £6550 - assuming no redecoration done. Eeek. Thats a canny ammount to save on top of our existing savings if we want to enter married life debt free. We do have £3000 space on the credit card if we need it, but in an ideal world we'd like to avoid this, as I feel so much less stressed just knowing we have no debt.

I can break down the £6550 a little, NIM is going to start matched betting this weekend, so we can hope to get £2000 from this, £500 from NIMs payrise, and maybe another £600 selling on ebay/local trading and £500 from MSing and surveys, another poss £300 from selling sofa unless we swap with mum. Hmmm, we're still very short!

My new book about setting up a cake making business from home arrived yesterday, so I intend to put some time into reading that in the next week. I am soooo determined somehow I could make money from baking!

£6550 is a lot of money but we've all got faith in you after your last few diaries! From the breaking it down paragraph, you've got a good chunk of it sorted out in terms of where you'll get the money from so at least you don't have to raise the whole lot from scratch!

clearmydebts

I am delighted NIM's Dad has come up with the deposit Dinah. That must be a relief. Even if you had to use the credit card £3000 isn't a huge amount of debt and you will get rid of it very quickly I have no doubt.

Hello everyone else!