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Palema’s quest for a place to call home
Comments
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Good for you, I hope it goes well fingers x'd0
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Hi everyone
Firstly - Thanks for the support beanie and Gothrockchick1. I will let you know how things go on Monday.
Well what a few days!
Wednesday we had a tree felled at work, it was too dangerous to be left standing - the kids found it brilliant to watch. I had to go answer the front door at work, there standing was a 6ft plus drop dead gorgeous tree surgeon! I was standing in a leggings with a short mini kilt on top :eek:
At my WW meeting, my area manager showed up unannounced:eek: Everything went well though and she was there to help me out a bit too.
When I got home I was looking online and saw some flats advertised, I filled in the online form and went to view it yesterday. It was lovely 2 bedroom flat not quite finished and at the highest end of my mortgage budget. I came home and called my bank to see if I was able to obtain a mortgage for the property. The mortgage advisor did a mortgage promise and it failed the credit check
I am literally 2 weeks away from my credit report being clear, the date on the default for coming off my file is 10th February 2012 :eek:
IF the property is still available in a couple of weeks and my credit file doesn't have the default on it I will try again and I could be moving out as early as the middle of March! If it doesn't work out then its back to the drawing board and looking for somewhere else.
I didn't sleep all that great last night I slept in this morning. I woke with a sniffly nose, a dry throat and a sicky stomach, the cough decided to join in mid morning! I am hoping I can stop it all before it takes a full hold and I end up with laryngitis again.
The plus side of today, I booked tickets for The Lostprophets in April - the day after Jeff Dunham! AND Ed Sheeran again for Novemeber!
Money Stuff
Wednesday 25th January
NSD
Thursday 26th January
£37.00 - Fuel
£5.65 - Date stamp
Total - £42.65
Friday 27th January
£55.75 - Lostprophets Tickets
£102.50 - Ed Sheeran Tickets
Total -£158.25
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February's money stuff - Including a backdated small payrise at work
:j:D
My Budget this month is as follows:
Income
Monthly income after tax - £1,365.98
WW Salary after tax - £263.70
Account fees
Account fee - £12
Monthly Expense Details
Direct Debits
Rent - £200
Mobile phone- £21.70
Cinema Card - £15
Speedway support - £10
Contact Lenses - £18
Total - £264.70
Savings accounts
Santander 1st Homebuyer - £300 (2nd of the Month)
[FONT="]ISA - £100
[/FONT] Holidays and Social - £100
Car (including MOT, maintenance and Road Tax) - £75
Emergency Fund - £50
Niece's savings - £5
Work Christmas savings - £10
Total - £840
Other Spends
Petrol/diesel - £100
Me money - £200
Savings totals so far
Santander 1st Homebuyer - £5700
ISA - £2300
Holidays and Social - £171
Car (including MOT, maintenance and Road Tax) - £212
Emergency Fund - £150
AA Savings (VSP) - £106.34
Work Christmas savings - £10
My Niece's savings - £105
I have used my whole WW salary this month to pay off my CC.
Events for the next month are as follows:
Friday 3rd February - Charity race night.
Saturday 25th February - Mum and dad go on holiday
Nothing else planned for February!
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Hi everyone
What a very busy few days it has been!
I wasn't feeling all that well on Friday last week - the start of a cold and feeling sick, this has continued since then, Saturday I went to do a few errands in the morning and by 5pm I was sound asleep, woke an hour later feeling totally crap, I was due to go out with my parents but stayed home instead.
Sunday still feeling like poo I went and did my WW meeting then spent an hour and half after doing leaflet drops around my area with another leader, I was shattered after it.
Monday was full on at work including some cleaning and sorting out my playroom followed by my date
All I will say about my date is - his picture did not do him justice at all, he is very tall (6ft2in) has a lovely accent (Italian/english/Scottish mix) very unusal but very nice!! He also paid for all the drinks and before the evening ended we were arranging to go out to dinner on Saturday night:j
Today - In a meeting all morning and spent the afternoon sorting bits and pieces and getting lots of things sorted in the area I work. I then went out for dinner with a friend and we took advantage of the 2 courses for £10 in Zizzi's YUM!!
Money stuff
Saturday 28th January
£8.19 - Holland and Barratt
£10 - CD's
£29.01 - Asda inclucing a pretty dress for my night out on Friday
£2.98 - Cups for WW
Total - 50.18
Sunday 29th January
£8.06 - Morrisons
£3.78 - Sweets
£7.50 - Watch battery
£30.64 - Boots (Skincare)
Total - £49.98
Monday 30th January
NSD
Tuesday 31st January
£14 - Dinner
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Oooh sounding good :j :j :jI 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.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Hi everyone
I have been MIA on here for nearly 2 weeks:eek:
I have had a stinking cold and having been feeling generally cr*p
I have had a rotten 2 weeks at work, anything that could go wrong did go wrong. Including getting a letter from the Scottish Social Services Council (SSSC) saying I was being struck off the register due to non payment. I was very angry and upset because I payed my annual fee at the end of November. Anyway after a phone call and the lovely lady on the phone checking things out, she managed to find the payment in the online sysyem so all was fine. I received a patronising letter early this week stating due to me no having payed for registration I was no longer going to be removed from the register and can continue to work :mad::mad:
Onto other things non work related. I went out to a horse race night last friday and had a really great time. I was feeling really tired on Saturday and had a date with Mr Italian man. It was a lovely evening Chinese meal the went to see the Descendents ( was an OK film but very slow!) Was wierd because the night didn't feel right for some reason. He is absolutely lovely but, I just don't know if it was because I was extremely tired or not. Not seeing him this week as both our work schedules don't fit but possibly next weekend instead.
On the money front I spent a fortune on Wednesday morning online but so worth it I am off to see Madonna in July at Murrayfield Stadium!!!!!:j
Money Stuff
Wednesday 1st February
NSD
Thursday 2nd February
£12.65 - Tesco
Friday 3rd February
£35.00 - Night Out including Taxi home
£28.00 - Haircut
Total - £63.00
Saturday 4th February
£2.00 - Parking
£8.30 - Cinema
Total - £10.30
Sunday 5th February
£6.29 - Asda
£37.00 -Fuel
Total - £43.29
Monday 6th February
£30.00 - Road tax
£10.08 - Boots
Total - £40.08
Tuesday 7th February
£12.00 - Tesco
Wednesday 8th February
£157.25 - Madonna Tickets
£34.66 - Amazon
Total - £191.91
Thursday 9th Februaury
£4.23 - Sainsbury's
Friday 10th February
£2.85 - Amazon
Saturday 11th February
£12.59 - Asda
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Hi everyone
Another busy week at work resulting in a change of staff in my room as of tomorrow. I am finding my role as a senior member of staff tough going but am enjoying it as well.
Highlight of last week went to see The Muppets movie with my Daddy! We are as bad as each other but both love the muppets. It was brillaint - totally easy watching, cheesy and just brilliant!
I was in touch with Mr Italian man yesterday and we are going out for dinner again on friday night and the cinema as well so will see how things go after that.
Not alot planned this week coming.
I had Area meeting for WW on friday and I weighed in at 9lb over goal weight :eek: Not proud of myself and I know its been because I have been stressed and have been eating boxes upon boxes of pringles (99p in Morrisons just now) and bags and bags of family bags of sweets
I have signed up to do a 1 mile sponsored walk (64 lengths) swim in 3 weeks time. I have not been in a swimming pool for over 2 years!
I have also made up my mind to find a gym and join it! :eek: One of my members/helpers goes to a gym and having checked out several gyms in the area the one she goes to has a deal on at the minute and works out £6 cheaper for the year than the council gym/swim membership and that includes the joining fee. I called the gym and I have a show round on Tuesday night. I need to do something as I am beginning to pile the weight back on. I know I can set myself a swimming programme and follow it, I swam competitively until I was 15. But doing something out of my comfort zone (the gym and or classes) is maybe what I need. My helper is going to help me out at the gym as well so that is a bonus as well if I join. We have our WW conference in September and I would love to be at least 7lb under goal which at the minute is 16lb away :eek:
Money Stuff
Sunday 12th February
NSD
Monday 13th February
NSD
Tuesday 14th February
£6.68 - Sainsbury's
Wednesday 15th February
NSD
Thursday 16th February
£21 - Work birthday fund
£34.21 - Fuel
£7.99 - Sainsbury's
£22.80 - Sticker packs
Total - £86
Friday 17th February
£2.60 - Chippy
Saturday 18th February
£34.97 - New Swimming costumes and goggles
£16.99 - Bag for gym
Total - £51.96
Sunday 19th February
NSD
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Where did you get your swimming costumes?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.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
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Thanks.I havent been swimming for so long I cant find my cossie.
Am pondering wether to go or not...........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.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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