KolaKubes Crazy Rags to Riches Mortgage Challenge! Part One - Saving a deposit!

KolaKube

Morning all!

Been looking at getting insured on our car (a 1.6 golf)... £2500!!!! It seems I can't be added to OHs policy as he has only been driving 3 years himself. Looking at DD of nearly £200 a month which I'm just not sure we can afford It would actually work out a similar price to buy me a cheap little runaround with a smaller engine and insure myself on that. Any cost cutting ideas here folks other than forget about it <which is where it's heading currently>??

£8.13 moved to the savings account as a little token payment (just 'levelled off' what was in the current account) bringing the total to £2343.16. Would be nice to level that out to £2350 with little bits of change throughout the month (like to keep things neat and tidy!) although there probably won't be much more added after that.

Off on a motorway lesson this afternoon which I am very excited about! Then I WILL organise my portfolio. And then off to fireworks tonight! Need to get on with laundry, dishes, hoovering etc too. Do you ever feel like there just aren't enough hours in the day? My current 'to do' list runs to 3 pages!

Kola

LilacPixie

adding older person as a named driver helps. i used to insure my dad for that purpose. me at main driver him as occasional user. now i'm near 30 and he is retired roll is reversed i am named on him car too as its cheaper. Not sure if you can both have a policy on the same car TBH, is it not 1 car 1 policy? How about looking to switch insurers to one that will allow yo both on the policy?

Anyway stick with it, I've been driving 12 years now and a 2.5 audi a6 quattero will cost just over £300 to insure for me now. As it is my car would kick the bum off a 1.6 golf (boy racers have tried) and i'm only a few hundred quid a year.

my sister passed this morning, test was at 9. i thought lesson was at 9 test at 10 but i was wrong. She has a 1.1 saxo. she is insured as a provisional main driver with my dad and me as named drivers for taking her out on lessons and she is about £900 but is 24. I guess she will tell her insurance today she has passed so i will report back if it changes the cost.

Emsky*

I agree with Lilac Pixie if you can put an experienced driver then you can bring it down alot, I have my dad & OH on my policy but mines still just under 2000 as I've only been driving 2 years, the area & I wanted to pay monthly, so this adds to the premium.

Hope you find some cheaper insurance!"

KolaKube

Good thoughts guys!

Slight issue I have with putting mum or dad on my policy is that we live in vastly different areas (OH and I are from NI originally), so it would be a bit like fraud to say that as we literally see them a few times a year and it's always always us going there lol. <sigh> Nevermind, I'm sure I'll sort it out somehow Will report back on this...!

Congratulations to LPs sister for passing too! Sounds like we're a similar age too (I'm 25... for another 2 weeks shhhhhh - then I'll be in my 'late twenties' :eek:) so that makes me feel better, I always felt I had left it really late :T

Motorway lesson went really well and I'm feeling confident.

Tonight I need to magic some meals up from the fridge to make use of a load of 'bits and pieces' - I know OH will leave it all to go off over the weekend while I'm at work if not! Will do up a loaf in the BM too for good measure (olives and sun-dried tomatoes are part of what needs using up so we'll see if I can't do something interesting there!).

Kola

claire123c

Hi,

I have been reading your diary with interest as I'm in a similar position! I'm a similar age, in the Manchester area (north, in Lancashire) and also saving for a house deposit. Museumworker directed me here from the 10K in 2010 thread

My boyfriend ( we don't live together) would rather buy his lunch but he has seen the error of his ways if I show him that buying a multipack of drinks cans, crisps etc is often cheaper for the whole week than what he would buy in work for one day! Now he loves the 'home bargains' style shops as much as me :rotfl:

KolaKube

claire123c wrote: »

Hi,

I have been reading your diary with interest as I'm in a similar position! I'm a similar age, in the Manchester area (north, in Lancashire) and also saving for a house deposit. Museumworker directed me here from the 10K in 2010 thread

My boyfriend ( we don't live together) would rather buy his lunch but he has seen the error of his ways if I show him that buying a multipack of drinks cans, crisps etc is often cheaper for the whole week than what he would buy in work for one day! Now he loves the 'home bargains' style shops as much as me :rotfl:

Hi Claire! Thanks for joining us :cool: and to museumworker for the link!

Isn't it funny how many of us are in the same position?

OH has mostly seen the error of his ways now with regards to lunch... it seems the trick is to make it interesting, otherwise he would put it in the bin and buy something anyway :eek: He went to aldis yesterday and came home with some smoked sausages and things that he likes to make his lunch a bit more exciting :rotfl:<still 10x cheaper than his usual sandwich, soup, crisps, chocolate and a fizzy drink...!> My next challenge is to make him like couscous...!

This is going to sound a bit sad, but I have found the *perfect* bottle for taking my own drink to work in. It's just a medium sized 1L lemonade bottle from aldi, but the shape is just my perfect bottle shape, and the size is my perfect last a 12 hour shift size, so I'm very happy. Took in my own HM fizzy drink today (a little lemon squash make up with soda water and a chopped lime from the fruit bowl for added luxury) and it was lush! I am officially a loser, but a happy loser :T And would just like to point out that several people remarked with envy on my big bottle of 'lemonade' earlier at work while they were drinking their £1.50 little diet cokes from the vending machine :rotfl: Mwwwwwaaahhahahaha!

Now, I know I said we were cutting down on alcohol... but OH brought home a bottle of champagne yesterday from aldi for passing my driving test (£10 I believe, so not too bad!) <expensive, and a luxury for definite, but to be fair this driving test pass was a longggggg time coming and he's very proud so who am I to turn it down eh?!> and I have cracked it open this evening... Feel like a bit of a fraud typing my MFW diary sipping champers!

:rotfl:

SmlSave

Ohh, enjoy your champs Kola yum yum

There must be something in the air .... my DH has agreed to take packed lunch to work too!

KolaKube

SmlSave wrote: »

Ohh, enjoy your champs Kola yum yum

There must be something in the air .... my DH has agreed to take packed lunch to work too!

Oh smlsave be careful... my OH 'agreed' to take a packed lunch to work ages ago... what he would do is take it and *either* 1) eat it for brunch then buy lunch anyway or 2) throw it out then buy something anyway!

So now when I hand him his lunch in the morning it comes with a little reminder that a) we're getting married in 3 months and it's costing a small fortune b) we're trying to save 10K by Dec 2011 c) his job ends March 2011 and d) my wage drops by half in December...!!... so we could end up with me supporting him on half my current wage lol. I don't think OH has bought a lunch in weeks..!! :rotfl:

Kola

Radish72

I have subscribed

Congrats on passing your driving test, but stop wasting it

I know a lovely 2 bed end terrace for sale near Manchester (although it is over £100K)

KolaKube

Radish72 wrote: »

I have subscribed

Congrats on passing your driving test, but stop wasting it

I know a lovely 2 bed end terrace for sale near Manchester (although it is over £100K)

Wasting it? I is confused...!

Edit: unless you mean the champagne that is splattering it everywhere at your postings lol

How much is 'over 100K' btw?

Nice to see you radish!

Kola