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Palema’s quest for a place to call home

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  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hey missy

    Glad you had fun at your dad's birthday :D Sensible thing to do waiting until you have enough money to furnish a house the way you want to - I didn't have a lot of money when I bought my flat and as a result have some furniture that I hate - and I bought my flat years ago!!

    Might have to cadge a lift again on Wednesday as Mr F needs the car. Will keep you informed though!
  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hey missy

    Glad you had fun at your dad's birthday :D Sensible thing to do waiting until you have enough money to furnish a house the way you want to - I didn't have a lot of money when I bought my flat and as a result have some furniture that I hate - and I bought my flat years ago!!

    Might have to cadge a lift again on Wednesday as Mr F needs the car. Will keep you informed though!

    I should have about 10K by Feb/March next year saved and I think for shared ownership that may be enough, will just have to wait and see!
    Wednesday is fine hun just let me know
    X
  • Footiemad_2
    Footiemad_2 Posts: 1,419 Forumite
    Hi P

    So glad that WW is going well for you. I would love to look in on one of your classes but too far away, may be if I come up to your neck of the woods I will just have to pop inn. I have a friend who moved up to Edinburgh last October and I haven't managed to get up to see her yet...so maybe one day soon ;)

    Lovely to hear your Dad had a lovely birthday too.

    Sensible decision to wait until you know you can furnish your home with the things you want, I had hand me downs with my first home. Very grateful at the time, but too a few years to get the things I really liked. The new build sounds fab everything all shiny and new. :D

    Take care and catch you soon x
    Footiemad:footie: 2013 - SPC no.1147...Keeep potting!!
    2013-VSP #21 £14.59
    SPC 2012 - £207.44
    SPC 2011 £647
    VSP 2011 £70.37
    23lb/54lb :o
  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi everyone
    I seem to be working 7 days a week recently - every day since I came back from my holidays 4 weeks ago :eek:
    I have been covering some WW meetings on a Saturday, I have another 1 this Saturday coming, nothing the Saturday after then 1 last 1 on the 20th August then I'm on holiday to Poland the weekend after - Can't wait as I need a holiday :D

    Anyway money stuff is as follows for the week

    Sunday 24th July, Monday 25th July
    NSD

    Tuesday 26th July
    £8.64 - Stamps
    £13.64 - Asda
    Total £22.28

    Wednesday 27th July
    NSD

    Thursday 28th July
    £21 - Stickers for WW
    £8.64 - Stamps
    £1 - Asda

    Friday 29th July
    £1 - Speedway money draw
    £1 Diet coke at speedway
    Total £2

    Saturday 30th July
    £37.50 - Fuel
    £30.58 - Printer Ink
    £10.58 - Tesco
    Total £78.66

    Sunday 31st July
    £15 - Speedway entry and programme

    My Budget this month is as follows
    :

    [FONT=&quot]Income[/FONT]
    Monthly income after tax - £1253.40
    Current Account Reward - £5.00
    WW holiday Pay - £33.56 (1st pay day is 25th August)
    [FONT=&quot]Plus some babysitting and
    [/FONT][FONT=&quot]
    Account fees[/FONT]

    [FONT=&quot]Account fee - £13 [/FONT][FONT=&quot]

    Monthly Expense Details
    Direct Debits[/FONT]

    [FONT=&quot]Rent - £200
    Mobile phone- £17.22[/FONT]
    [FONT=&quot]Cinema Card - £15[/FONT]
    [FONT=&quot]Speedway support - £10
    Contact Lenses - £18
    [/FONT] [FONT=&quot]Total - £260.22[/FONT]
    [FONT=&quot]
    Savings accounts[/FONT]


    Santander 1st Homebuyer - £300 (2nd of the Month)
    [FONT=&quot]ISA - £100 [/FONT]
    [FONT=&quot]Holidays and Social - £100[/FONT]
    [FONT=&quot]Car (including MOT, maintenance and Road Tax) - £50[/FONT]
    [FONT=&quot]Present Fund - [/FONT]
    [FONT=&quot]POD (Prescription, Optical, Dental) - [/FONT]
    [FONT=&quot]Clothes - [/FONT]
    VSP account -£17.84
    Niece's savings - £5
    [FONT=&quot]Work Christmas savings -£10[/FONT]

    [FONT=&quot]Total - £582.84[/FONT]
    [FONT=&quot]
    Other Spends
    [/FONT]
    [FONT=&quot]Petrol/diesel - £100[/FONT]
    [FONT=&quot]Me money - £200[/FONT]

    Savings totals so far

    Santander 1st Homebuyer - £3,900
    [FONT=&quot]ISA - £700[/FONT]
    [FONT=&quot]Holidays and Social - £110[/FONT]
    [FONT=&quot]Car (including MOT, maintenance and Road Tax) - £55[/FONT]
    [FONT=&quot]Present Fund - £5[/FONT]
    [FONT=&quot]POD (Prescription, Optical, Dental) - £5[/FONT]
    [FONT=&quot]Clothes - £5[/FONT]
    [FONT=&quot]AA Savings (VSP) - [FONT=&quot]£233.79[/FONT][/FONT]
    [FONT=&quot]Work Christmas savings - £70[/FONT]
    My Niece's savings - £75

    My Pink Friend is still sat at - £250 :eek:

    August events
    ~ 21st birthday
    ~ 18th Birthday
    ~ Wedding
    ~ Friend visiting
    ~ Poland on holiday :D

    Think thats about it for now!!!
    P
    X



  • mooomin
    mooomin Posts: 13,703 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Make sure you're not working yourself too hard missus :naughty:
  • Footiemad_2
    Footiemad_2 Posts: 1,419 Forumite
    Hi P

    its a good job you have a nice break to look forward too, I think you will need it. Try and fit in some rest/me time if you can ;)
    Footiemad:footie: 2013 - SPC no.1147...Keeep potting!!
    2013-VSP #21 £14.59
    SPC 2012 - £207.44
    SPC 2011 £647
    VSP 2011 £70.37
    23lb/54lb :o
  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Make sure you're not working yourself too hard missus :naughty:
    Footiemad wrote: »
    Hi P

    its a good job you have a nice break to look forward too, I think you will need it. Try and fit in some rest/me time if you can ;)

    Don't worry ladies.
    I have had 2 WW meetings this weekend
    HOWEVER Yesterday afternoon/evening was me time
    - I have managed to finally see Harry Potter 7.2 and Captain America and today I have been out for a family meal! :D
    P
    X
  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi everyone
    Weekly update time - 3 weeks until I am on holiday and I have worked it out that I will have a full week of no work of any kind! :eek: Thursday to Wednesday then back to WW on the Wednesday night :D

    At the moment my MSE catch up day is a Sunday as I don't seem to be able to get on as much as I would like :(

    Any way this last week has been a good one

    Monday 1st August
    £13.99 Just Dance extra songs :D

    Tuesday 2nd August
    £1.50 Drinks
    £20 Dinner at Vittoria's :D
    £1.50 Ice cream
    £3.96 Asda
    Total £26.96

    Wednesday 3rd August
    £10 Work fund

    Thursday 4th August
    £12.96 Stamps WW
    £3.15 Boots
    £1.50 Cards
    £4.00 Asda
    Total £21.61

    Friday 5th August
    NSD

    Saturday 6th August
    £1.50 Harry Potter
    £1.50 Captain America
    £6.30 Ice cream and sweets

    Sunday 7th August
    £4 Morrisons
    £1.87 WW

    I am running my own WW meetings and not covering any others this week so will have my 1st day off in about 6 weeks on Saturday :j:j

    P
    X
  • beanielou
    beanielou Posts: 96,040 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Yah to getting a day off :j
    Do you get your WW expenses back then?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

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  • [Deleted User]
    [Deleted User] Posts: 1,843 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    beanielou wrote: »
    Yah to getting a day off :j
    Do you get your WW expenses back then?

    Hey Beanie
    Yes we get expenses back - as it is a new employment it has taken a week or two to get going but we get expenses and milage every 2 weeks, my mileage is not alot as 1 of my 2 venues in only 2 mins from home so I claim only for 1 mile for each of my 2 meetings. The other one however is 7 miles away so I claim for 14 miles for that one.
    P
    X
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