My first home &I want to OWN it!

try_harder

Welcome back and good luck on your journey.

Katzen

Hello Kirstypoos and try harder, thank you for the support.

Targets for the moment:
1. Emergency fund to £5000
2. Order topsoil so I can plant fruit trees already on order £150
3. Save for new windows in both houses

I need to find out from DH where his savings currently stand so I know how far off we are with the emergency fund. Now I've started writing things down I can see that we need to prioritise these little jobs so that we do them in the most efficient order.

Katzen

Switched my broadband provider from sky to EE last week but just seen the plus net deal on here. Would save me ~£35 over the year and then there's the £80 cash back. As I'm still within the cooling off period for EE I might see if I can cancel the switch and then open plus net.
Also, looking at switching my current account to get the bonus. Thinking if I switch to m&s I can have their £100 and then I think I could get away with transferring £1000 in and then back out each month to get the extra £10/month. Need to think on that one as I'm currently with FD and they are great!

Katzen

Just read the m&s bank thread. Thinking maybe life is too short for a that...

Katzen

Aaargh, wrote a list post this morning but now it's gone. Think it said...

1. Book free brake check
2. Cancel cleaner
3. Cancel EE broadband order
4. Open plusnet broadband order
5. Apply for m&s bank
6. Online shopping order at Morrisons via quidco and with Halifax cash back

Katzen

Brake check has been booked.
I've emailed the cleaning service to cancel but no reply yet, funny how they reply in minutes when it's a new business enquiry!
Ordered my Morrisons shop. Quidco offer had changed from 6% back to £3. Was initially gutted but then found they had a voucher code available for £12 off £60 so actually much better off. That plus 7% from Halifax and I'm £7.20ish in cashback plus the £12 saved. Happy with that.

Will do the broadband today
Call carboot man to book a stall

Katzen

I've sorted my broadband, managed to get the plusnet deal but with that being paid upfront I need to make sure the £30 I was paying to Sky gets transferred to the savings pot and not eaten up each month.

Finally got hold of the cleaning service and have to pay a month's notice but that will be £80 a month saved. Current mortgage payment is £814.20 so I might put the cleaning money straight to a monthly OP to make a nice round £900. The calculator says it would take 2yr2mth off our term if we did that!!

Called the car boot man, he doesn't book more than one month in advance so I've put a note in the diary to go and pop over on the next sale day so I can book then. Now need to find some boxes and get collecting 'junk' we can sell

hugglemonster

HI, congratulations on the sprogg and the impending sprogg hope they bring you lots of love, fun and mischief.


Sounds like you are right back on track since your break, houses are very expensive definitely we've done 4 replacement windows, one porch door and one room since we moved in - we've been here 9 years!!!


OP's are fantastic, well done it amazing when you write it as months/years saved!


H x

giblet1979

Your story really resonates Katz......what a lot of work. Sounds like you're right back on track tho! X

Katzen

Hello and welcome Hugglemonster and giblet, lovely to see you both here.

The toddler certainly brings fun and mischief, I'm certain a 2nd one will more than double that!

You are both being very kind to say we are back on track, I think it's more accurate to say we've located the track on the map having got lost in the fog but we've got a good bit of hiking ahead of us before we find it again. DH has just said he could possibly retire at 52 (which was the plan before the govt changed their pension rules) so that gives us 12years. I'd like to think I could make that happen for him, let's see...