My Saving log

Sylvia1982

Hello Lokolo 2

Originally Posted by Lokolo 2
Oh no, hopefully you can get this sorted out! Although I doubt that one late payment on file will cause you that many problems, I think you just want a perfect record

What is wrong in having a perrrrfect credit file I have received my CallCredit Statutory report and its not shown on it so no more errors so far.

Originally Posted by Lokolo 2
Hmm why wouldnt it be cost effetive to get a house OUTSIDE London? I think it would be alot cheaper...the cost of commuting doesn't add up to that much when you look at the humongous house price differences between a house in Central London and one in the suburbs!

No matter what your mum says, it's got to be your decision at the end of the day so you should do what you think is right, research the options and then decide. :j
Well done for getting cheaper car insurance! Maybe yours is expensive because of the higher risk of accident/theft from driving in London! Anyway the cost should go down every year which is a blessing!

Hmm, you do make a valid point, the only down side of moving out that far (45 miles)is the very long commute and not having friends and family near by.

Things hopefully will be changing soon. I have applied for a new position at work, fingers cross i get the job :eek:. This would give me an increase pay, yay:j

Originally Posted by Lokolo 2
I start my new job next week, but it means I won't get payday until 4 weeks down the line...:eek: I'm gonna have to try to skimp on spending on luxuries until then!!!

Good luck for next week and welcome to monthly pay. It will be a definite pain to start with, but you will be okay. Have they given you your work shift pattern?

P.s Going to the gym is work related and nothing more:rotfl:


Bye for now...

Sylvia

Svenena

Wow - your car insurance is expensive - I'm glad I don't live in London! Mine actually went up by £10 this year - apparently car insurance has risen an average of 40% over the past year. It's due to get worse too, with that ruling on not discriminating based on gender. I think mine was about £280 when I renewed last month, with 3 years no claims, but then my car is only worth about a grand, and is a 1.5, so not a very powerful engine.

I think deciding on where to live once you're closer to your target is probably a good idea. There's all kind of things that could happen to change your mind one way or another in the meantime.

How old is the missed payment? If it's going to be dropping off soon, it's probably not worth bothering about. The consensus on the mortgage board on here seems to be that one late payment from a few years ago isn't a big deal anyway. I have a default on mine, but it's dropping off in September, hurrah!

Good luck with your job application - when do you find out?

Lokolo_2

Sylvia1982 wrote: »

Good luck for next week and welcome to monthly pay. It will be a definite pain to start with, but you will be okay. Have they given you your work shift pattern?

No, I won't find out my shifts until my first day on Monday, as I have to go to a corporate induction. However I did find out that it will be the same shift for a whole week (IE either a week of earlies/days/lates) so that's quite good, earlies start at 6am and lates finish at 11:30pm, the shifts should be around 7.5h each.

By the way, all the best with getting that position you are going for Sylvia, I do hope you get it! :beer:

linz

Hi Sylvia,

Just stumbled accross your diary and I think I will subscribe to it

Am in sort of a similar situation to you but a few years older, I work in the civil service and am trying to save for a new place, the only difference being i'm on the ladder, but the area I want to move to is more expensive so I need to save so I can remortgage as little as possible.

In the last 2 years I have totally changed my outlook on money and have made some quite big choices. For example I changed my car to a Toyota Aygo, (£20 per year road tax, cheap to run and cheap insurance) discovered the delights of Topcashback.co.uk, always look for promotion codes on everything I biy online, buy food from Aldi/Lidl/supermarkets basics in the evenings when they reduce stuff.

I'm another one who loves travelling and have had some really cheap holidays to some cool places like Krakow, Riga, Istanbul and Budapest in the last 2 years. I book with either Wizzair or Easyjet and book a hostel at the other end for less than a tenner a night B&B. Four city breaks in less than 2 years without effecting my budget for general spends as it works out so cheap I've also had a few weekends away in the UK, using the deals in the Travelzoo top 20 weekly email that i'm subscribed to.

It's worth looking at Autonational and Autoaid for your breakdown cover - they are cheaper than AA/RAC and you still get top level cover. (Don't forget to go through Topcashback)

I think you're doing great with your savings, will continue to follow how you're getting on, all the best..

Sylvia1982

Hello eveyone!

Finally i can post, sorry but this post will be 1/10 of the original post

Hello Svenena, thank you for highlighting your car insurance being soooooo much cheaper lol. Imagine you were living in London, it would be at least £900

Hello Lokolo 2, hows the new job? I hope your first day wasn't so stressful.

Hello Linz, thank you for posting. I'll definitely will be looking at your handy hints and tips

Thank you for the best wishes, i am still waiting for the interview date

Need to contact MSE regarding the problems i am having with posting

Bye for now...

Sylvia

Sylvia1982

Hello everyone!
I hope you all have had a lovely Bank Holiday Weekend so far
I have been very ill this week with hay fever and flu together (worst combination, but still went half dead to work)
I have noticed that I have not done much towards my to do list. But this weekend, I have cancelled my Sky subscription. For once, this had nothing to do with saving money, but the lack of signal and with the recording facility totally stopped working this week, it just had to go.
I was doing well with going to the gym until I got ill, but hope next week I will be back in there at least 3 days.

To Do List for May

• Car insurance for June
• Car break down cover
• Buy new work boots( a must, need to get this at some point next week)
• Sell BB mobile phone
• Sell old/ broken jewellery (will try to go and sort this tomorrow)
• Review Sky package
• Buy new trainers for Race For Life (need to get this at some point next week)

Personal

• Go gym at least 3 days a week(been at least 2 days apart from this week)
• Sort out the garden with minimum cost(I actually amazed myself by spending less than £50 so far)

I have managed against all the odds to find another 2x £2 to go towards my £2 saver, which is £62 now. At this rate I will have £100 towards Xmas presents. I will update my sig :rotfl:
I have looked at the surplus in my main current account yesterday, i believe some of this should go towards the start of my newer car fund = £300 but with no deadline (i know i have gone full circle regarding this topic since i started this thread, sorry)
Bye for now…

Sylvia

Lokolo_2

Sylvia1982 wrote: »

Hello everyone!
I hope you all have had a lovely Bank Holiday Weekend so far
I have been very ill this week with hay fever and flu together (worst combination, but still went half dead to work)

Oh noooo, I wish you a speedy recovery! Well done for going to work too, many people would have pulled a sickie!

Sylvia1982 wrote: »

I have noticed that I have not done much towards my to do list. But this weekend, I have cancelled my Sky subscription. For once, this had nothing to do with saving money, but the lack of signal and with the recording facility totally stopped working this week, it just had to go.
I was doing well with going to the gym until I got ill, but hope next week I will be back in there at least 3 days.

To Do List for May

• Car insurance for June
• Car break down cover
• Buy new work boots( a must, need to get this at some point next week)
• Sell BB mobile phone
• Sell old/ broken jewellery (will try to go and sort this tomorrow)
• Review Sky package
• Buy new trainers for Race For Life (need to get this at some point next week)

Personal

• Go gym at least 3 days a week(been at least 2 days apart from this week)
• Sort out the garden with minimum cost(I actually amazed myself by spending less than £50 so far)

Wow that Is quite a long list considering we've only a few days left of May now! It's good that you're cancelling Sky TV, I would see that as a waste of money, Freeview does it for me and without the hefty monthly charges

I hope you manage to find some reasonably priced car insurance, I know that's easier said than done as premiums seem to be rising left right and centre!

With breakdown cover there always seem to be good cashback deals from Quidco/Topcashback which give quite a bit back if you go via them to get AA or RAC breakdown cover. That's a general tip for anything else too, I always try to get cashback for online purchases, every little helps

Congrats for decing to run Race for Life aswell, that's certainly not easy so I can see why you're keen to go to the gym, I hope that all works out for you, I'll be mentally supporting you :T

Which model Blackberry are you selling? I think the best place to sell is on eBay as theres such a huge target market there, unless you can get a private sale from someone you know which would save on eBay (and PayPal!) fees.

Don't spend too much on the shoes that you need to get though, although I suppose that's asking a bit too much of a lady not to splash out loads on shoes?

Sylvia1982 wrote: »

I have managed against all the odds to find another 2x £2 to go towards my £2 saver, which is £62 now. At this rate I will have £100 towards Xmas presents. I will update my sig :rotfl:
I have looked at the surplus in my main current account yesterday, i believe some of this should go towards the start of my newer car fund = £300 but with no deadline (i know i have gone full circle regarding this topic since i started this thread, sorry)
Bye for now…

Sylvia

Wow all those £2 coins, well done! I could never collect so many of them, I'd just go to the bank and deposit them or swap for notes, but then I can see why you'd want to keep them separate!

As for how I'm doing, been in the new job for 5 days now and it's been quite boring so far, just mainly office-based training and policy/procedures briefing, more of that to come next week until Friday when I actually get to do some practical work at my station! I also won't find out my roster until then, so far the training is mainly 9-5's and its about 90mins each way away from home, so lots of early wake-ups! Thank god for having bank holiday monday off :j but no thanks for having to wait another 4 weeks until my first payday!! :eek:

==Lokolo 2==

Sylvia1982

Hello eveyone!

Oops , sorry Lokolo 2, i've just realised i haven't updated my list as below(sorry)




To Do List for May [STRIKE]

• Car insurance for June[/STRIKE]
• [STRIKE]Car break down cover [/STRIKE]
• Buy new work boots( a must, need to get this at some point next week)
• [STRIKE]Sell BB mobile phone[/STRIKE]
• Sell old/ broken jewellery (will try to go and sort this tomorrow)
• [STRIKE]Review Sky package[/STRIKE]
• Buy new trainers for Race For Life (need to get this at some point next week)

Personal

• Go gym at least 3 days a week(been at least 2 days apart from this week)
• [STRIKE]Sort out the garden with minimum cost[/STRIKE](I actually amazed myself by spending less than £50 so far)

I hope the training goes quickly... good thing its only for two weeks and happy you have finally got a Bank Holiday Monday off

Hello Seeyoutj, i have to see when the time comes as i cannot afford any of the cars i wont

Bye for now...

Sylvia

Sylvia1982

Hello eveyone!

Here goes with my savings for this month

Deposit = £1,100
Grand Total = £31,173

Emergency Fund = £100
Grand Total = £2,620

Car Fund = £250

Holiday Fund = £20

Presents Fund = £10

My sig will be updated and I will be posting my To do list for June in the next few days.(I do hope i can complete all task)

Bye for now...



Sylvia

Sylvia1982

Hello Malik999
I must say, i was wondering when your lovely post was going to show up on this diary. Don't like it, stop posting on peoples saving diaries unless you have something nice to say

Bye for now...

Sylvia