My Saving log

Lula-Hula

Hi Sylvia,

just wondering how you are & if you have any news re the interview ?

Ifts

Sorry after seeing the earlier post #74 by the OP:

Sylvia1982 wrote: »

To those of you who have noticed a few post have been removed since yesterday, that is to the MSE Team been informed about it. Just wanted to say thank you to MSE Team for their quick response in removing these post.
If anyone sees anymore of these negative post, please ignore them, thank you.

I have now deleted my original post.

Sylvia1982

Hello everyone!

Sorry for not posting recently, but i have been busy with redesigning the garden( I will be having serious back problems once i finish this, but it will be worth it :rotfl:).

Lula-Hula wrote: »

Hi Sylvia,

just wondering how you are & if you have any news re the interview ?

Hello Lula Hula,
I had my interview a couple of weeks ago. Unfortunately it takes 3/4 weeks before i get my results, due to the exam papers have to be marked aswell . I will let you guys know once i find out.

Here goes with my savings for this month

Deposit = £1,000
Grand Total = £34,490( will be reaching my next goal £35k next month :j)

Emergency Fund = £100
Grand Total = £2,920

Car Fund = £250

Holiday Fund = £20
Grand Total = £100

Presents Fund = £10
Grand Total = £10


I am very lucky it was my birthday 2 weeks ago, as the birthday money was very handy or savings my would of been lower than shown above.

To Do List for August

• [STRIKE]Get car serviced [/STRIKE]
  
• [STRIKE] NS&I's index link certs[/STRIKE]
• [STRIKE]Get a new top for job interview:eek:[/STRIKE]
• Do a car boot sale

Personal

• Don't over spend for birthday and time off work :rotfl:ooops

bye for now ...


Sylvia

Lula-Hula

Well done, that's impressive saving.

Fingers crossed for results

lb375

spikyone wrote: »

Hi Sylvia,

You don't mention why you don't want to go with Santander! At the moment that is absolutely the best place for your money - as I've mentioned in other posts, the First Home Saver account is perfect for your situation and pays 4% interest after tax, so comfortably beats any ISA.

On the £27k you have saved already*, this works out at £1100 a year interest vs £874 a year at 3.2% with the Halifax ISA. If you're really serious about buying a house then an extra £225 (rounded!) per year is a no-brainer, and that's without interest on your monthly contributions. It's almost like a free month of living costs... :beer:

Of course if you're even more serious then take out the First Direct regular saver that pays 8%, but remember to ditch after a year!

(* Incidentally I know £27k is more than the minimum deposit for the FHS account, but you can pay in £5k to open it, pay in the other £22k in the first month and get low interest for that month, but then get 4% AER over the other 11 months and still beat an ISA by £200)

Hi, have you received 5% interest by depositing £22k? Thanks.

Sylvia1982

Hello everyone,

I have been really bad with spending on my cc in recent weeks and only just realised its over £200 :eek:. I need to start writing everything down again to keep on track, as this is my old ways creeping back, tut tut tut

On a happy note, I have some good news, just got my results for the job interview and i have passed stage one :j

I hope you all are okay,

Bye for now...

Sylvia

Lula-Hula

Well done on passing Stage 1

Now, go pay that CC - quick

ian9999

Congratulations Sylvia on passing stage 1, when will you know about stage 2

I have read through your savings diary and found it very interesting, can't wait to see how you are doing on your next installment

Ian

Sylvia1982

Hello everyone!

Sorry for not posting in a while, but i have been busy with my studies to persist with stage 2 of my job application for various exams in the next several months.

Here goes with my savings for this month

Deposit = £1,100
Grand Total = £35,590 (I've hit my target) :j

Emergency Fund = £100 + 109,98(intrerest)
Grand Total = £3,129.98

Car Fund = £250

Holiday Fund = £20
Grand Total = £120

Presents Fund = £10
Grand Total = £20

Newer car Fund = 330 (over time from last month)
Grand Total = 630

bye for now ...


Sylvia

Sylvia1982

Hello everyone!

I'm so happy that i am getting closer to my target goal of £38k, this will hopefully be achieved by New Years Eve 2011:j.

Here goes with my savings for this month .

Deposit = £1,100
Grand Total = £36,690 (I've hit my target) :j

Emergency Fund = £100
Grand Total = £3,229.98

Car Fund = £250

Holiday Fund = £20
Grand Total = £140

Presents Fund = £10
Grand Total = £30



bye for now ...


Sylvia