The not-so new cazzy

cazzyd

Hi all

I'm finally de-lurking after 2 successive Christmasses of viewing your DFDs and trying to use them as a launch pad.

I'm not in debt persee (sp?)but I'm not going anywhere either!!! I'm a 25 year old single female, qualified and working supply teacher....but I still live at home with my parents and my sister. Whilst this is not uncommon these days, it's been somewhat unhealthy for quite some time as we are all grown adults!!!

Anyways after an up and down 2012 I have realised I have the vigour I now need to move forward and have the motivation to get out of here and find somewhere to live.

Most of my friends are either engaged, or live with someone etc, and whilst ism not boohooing that I am still single, part of my problem is that I still live at home, so this diary is really a place where I can update on my bid to raise the money I need to get a deposit together for a mortgage....I'm on an 18 month plan to raise the money, but I am also doing all I can to raise funds, such as comping and taking on part-time extra work. I am also aiming to spend less next year, as said engagements is my best friend and we will be going out less which should save me about 40 pounds a month, I also have been putting 30 a week into an ISA for a few weeks, reduced my insurance, and work is a 4 mile daily round trip which has significantly reduced petrol costs! I get paid weekly, so my aim is to put any weekly excess into a savings account and "forget about it" to save extra money that way, so that I don't spend it. I should also save the best part of a 600 pound spend from this year as a lot of that went on funding being a gamesmaker at the Olympic Stadium, and I have already bought my 2013 summer holiday, ashes tickets for the 5 day test at Old Trafford!

I am also going to pluck up the courage to join the challenges on here to help, so any recommendations would be muchly appreciated! MSEers seem like a wonderful bunch, and I am looking forward to 2013 already.

I know it's not a debt free diary as such, but more of a motivational one, to rid myself of inner debt...

cazzyd:j

cazzyd

The other thing I forgot to add when I originally posted was my main debt free wish of wanting to to lose a few pounds, I started with good intentions in 2012 and lost almost a stone at one point, but with my duties as a chief bridesmaid coming up, I need to lose a bit more....not so much debt free but weight free.

With regard to not-so new, I wanted to add that after discussion with my sister in Xmas day, I'd mentioned that in previous years the focus had been on wanting to change in the new year, become someone I'm not whereas only the variables in my life need to change and not me personally and so not-so new......

Confused, lol.....

cazzyd

I had one last big spend yesterday as part of my treat to myself for all the hard work I did during the summer at the Olympics, so I bought myself a brand new double divan bed from dreams with storage for 149 with free delivery, I just have to find a duvet, but my auntie gave me 20 quid for Christmas, so may find a no frills duvet at dunelm or somewhere like that, did some research with dad yesterday 13.5 tog is 17.99 and mum said that her and dad would treat me to a new set, so I'll save there!

Just started clearing my bedroom in anticipation of delivery which is next Saturday, so hopefully I'll find things to either list online or give to music magpie.

My phone contract is also up for renewal in January I currently pay 25 a month which I think is reasonable for a smartphone, so am hoping to get around the same or slightly cheaper, and then I will sell the handset, it's a bb so hopefully will get a reasonable amount, and the money I get will go towards my "forget it" money.

I am also going to set myself some other challenges based on motivations I get from threads on here over the coming days my first being save 50.00 in 50ps. Made a good start found one on my bedside cabinet when tidying my room before

.50/50.00-50p challenge

ThatKiss

Hey Cazzy, it sounds like we've got some similar frustrations and goals. Good luck in your saving *subscribes*

cazzyd

Nev85 wrote: »

Hey Cazzy, it sounds like we've got some similar frustrations and goals. Good luck in your saving *subscribes*

Thanks Nev, do you have a diary? If so can I have link:)

Best of luck to you too

cazzyd

Going to carry on with tidying my room today just waiting for dad to wake up from his night shift! Hoping today is NSD as I am not aiming to go anywhere. Parents are going shopping which is usually an excuse for me to give them my card and get a bottle of wine or something, but not going to do that now, as I don't have a lot of money anyway, working on supply, I haven't got any money for 2 weeks!

If I finish my room, I'll do some listing and maybe sort out my various boxes of work stuff, wash my puppets and set myself up for planning!! (And I told myself I wasn't going to do any planning until 2nd Jan)

cazzyd

Still ploughing my way through my room, but taking a break and watching the Olympic reviews since I missed a lot of it, despite being there! Found another 50p so now have a pound in my pot, which is a tin...it's a makeshift one until I find a money box. Mum said I had panda one somewhere, but can't find it.

Today isn't going to be an NSD either, mum phoned from Asda to say that they were selling a 26 pound duvet for half price, so I'm going to get that with aunties Christmas money.

Back to tidying, going to put I player on the ipad and watch that way...Cheerio

cazzyd

No more spends after that, so a good day, I have 7 pounds left of aunties money, parents mentioned pillows being on sale so may buy those! Not listed anything yet but will do tomorrow, got bored as I had nothing to do, so found old knitting I'd left from 6 years ago, and carried on doing that, it will save me the money I needed to buy a scarf!

Tomorrow should be an NSD I'll save the money I would have spent on the bottle of red wine I needed to make New Year's Day lunch! My cousin gave parents a bottle for Christmas, so mum said I could use that

Last 12 months have been pretty c**p personally and it all started on NYD
2012 which I pretty much ruined, so I'm making NYD dinner for everyone, which is lamb, I saw come dine with me on Xmas day, and goldie did this lamb, which looked pretty stunning! A year and a half ago, I did a come dine with me with some friends, and won, so hopefully this won't be too disastrous! Also don't need to buy any plonk on top, as me and the sister did a wine tasting a while back and got some nice bottles of red, which will go with dinner!

lea_t88

Hi Cazzyd,

Well done on your thread, we're similar ages and I'm saving up to move out too so I feel your pain!! Good work so far and good luck for New Years Dinner

cazzyd

Thanks lea, the lamb is marinating as we speak....

Yesterday was not an NSD, i bought some razors and orange juice, but small spends so nothing too big! I also did them with cash that was in my purse rather than whacking on my card which is one of my biggest problems!

cazzyd

Happy new year!!! The lamb dinner went well, everything was perfect! Decks are also down and blew the cobwebs away with a nice walk with my sister!

NSD so far, looking forward to relaxing this evening, going to do a bit of comping and some surveys.

I hope 2013 is wonderful for all x