My Saving log

Sylvia1982

Hello everyone!

I hope you all are having a lovely Easter Sunday.
Here goes for my savings for March.


March
Deposit =£144.18
Grand Total = £38,155.23

Fees = £1,100
Grand Total = £4,500

Emergency Fund = £100
Grand Total = £3,729.98

Holiday Fund = £20
Grand Total = £240

Presents Fund = £10
Grand Total = £0 spent on present already

To Do List for April

• Sort out my passport ASAP
• Try work out my new saving Targets
• Work out monthly savings totals

I have been looking on Rightmove and have been visiting the area that i had all intentions in buying into. Unfortunately it no longer tick all the boxes. I am not happy with the location, as it has changed draumatically in the last 5 years.
I am now having to find a new location, which means a larger deposit but those i work with believe i am making the right decision as they know the area quite well and the last thing i want is to be unhappy when i finally get my first place.

:easter_os

Bye for now...

Sylvia

Sylvia1982

Hello everyone!

I hope you all are okay.

I have put my full ISA cash allowance earlier this month for this tax year:j . I only have my S&S ISA allowance left to contribute towards each month.

I have decided to continue saving towards my fees fund until target (£12k) is complete and then the emergency fund. Any extra savings will be going towards the deposit fund and newer car fund until i purchase my home.

Still awaiting for my new pay end of the month , so i can work out how much more i could potentially save per month.

I have decided to start looking at properties, hopefully around September/ October 2013 :eek:. This will give me enough time to save for all targets and find the perfect location for me to live in.

I am very pleased with my new position at work and i am finding it very rewarding, especially working with pleasant people, as it makes life so much easier.

Bye for now...

Sylvia

Sylvia1982

Hello everyone!

I have been very busy this month and working loads of overtime and also had loads of fun spending some of it yesterday :j
Here goes for my savings for April.


April
Fees = £1,500
Grand Total = £6,000

Emergency Fund = £100
Grand Total = £3,829.98

Holiday Fund = £20
Grand Total = £260

Presents Fund = £10
Grand Total = £10

Newer Car Fund= £250
Grand Total = £1,515


To Do List for May

• Work out monthly savings totals( Need to look at payslip due to overtime)
• Try to sell car before the end of May

I have already opened a new cash ISA for this new tax year and have filled it already. I do hope the rumours are not true regarding the NS&I linked certificates, as i was counting on that for the money that are not in a tax wrapper .
Here is to a good May

Bye for now...


Sylvia

atush

Last I heard there would be no new NSI certs this year ;-(

Good going with the saving Sylvia- you are an inspiration!:A

Sylvia1982

Hello everyone!

I have just seen my interest from my old ISA transferred to my new one, £543.33 . This will be added to my deposit fund and will make the total £38,698.56 :j

atush wrote: »

Last I heard there would be no new NSI certs this year ;-(

Good going with the saving Sylvia- you are an inspiration!:A

Hi atush, thank you for confirming the rumours and also thank you for the compliment . I now need to start looking at other alternatives( if there is such a thing ) for my savings.
As i currently have several thousand in an acoount paying 2.8%, with unlimited deposits in and withdrawals.
Has anyone got any suggestions of any saving accounts that are paying >2.8%, as i would appreciate it?


Bye for now...

Sylvia

guitarman001

I would also like to know about best accounts to use. Right now I have 3 Vantage accounts, two are full. But it's only net 2.4% or so!! I'm not going to go to massive trouble changing banks for 3%....

Sylvia1982

Hello everyone,

I hope you are all okay. I have not been on this forum for quite a while as I have had issues with my laptop, whichI have finally sorted out.

I have been busy with work and have managed to work out my new salary (as I have been lucky enough to be working overtime since starting:j)

Here are my total savings for May and June

May
Fees = £1,200
Grand Total = £7,200

Emergency Fund = £100
Grand Total = £3,929.98

Holiday Fund = £20
Grand Total = £280

Presents Fund = £10
Grand Total = £10

Newer Car Fund= £250
Grand Total = £1,765


June
Fees = £1,200
Grand Total = £8,400

Emergency Fund = £100
Grand Total = £4,029.98

Holiday Fund = £20
Grand Total = £300

Presents Fund = £10
Grand Total = £10

Newer Car Fund= £250
Grand Total = £2,015

I managed to sell my car , but have kept that total separate from my savings as I may need some of it for next month for celebrating my birthday.



Bye for now …


Sylvia

Jegersmart

Very well done.....I am impressed....:)

Keep it up!

J

poorgirl-54

wat r fees?

Sylvia1982

poorgirl-54 wrote: »

wat r fees?

Hi poorgirl-54, my fees fund consist of things related to purchasing my first home i.e solicitor fees,surveys, mortgage fee, furniture,cost of moving, decorating cost and the most important stamp duty(I'm sure i have missed out a couple of things )

Sylvia