Enjoying the Sunshine whilst Saving for the Rainy Day

LAM2011

Meant to also say - try have a nice weekend with hubby home without worrying about house moving x

debtfreewannabe321

Thank you LAM I think DH has had enough of living here now too hence his new-found enthusiasm to move

I've had some more great news! A policy I've been paying into is due to mature next month! I'd almost forgotten about it! I just rang them and they can't give me an exact figure but it's around the £4,500 mark :T all will be added to savings! :j

grannyx2

fantastic news re the credit card and the policy.

Those months willl be gone before you know it.

Granny x

please-let-me-be-lucky

Good news all round then with DH being home, the credit card and the maturing policy :j. Fandabbydozy!!

Have a great weekend Xx

mummytogirls

Evening DFW,

Yay to the fab things that have happened today, amazing !!

I understand why you dont want to move but it must be tempting with DH wanting to do it sooner rather than later!

xx

debtfreewannabe321

Thank You Granny, Lucky & Mummy:j:j.

I still feel extremely happy and it also means that we may be able to look at more expensive houses now. Just that few thousand more makes all the difference :T. I've worked out potentially by next April we could have saved nearly £17,500 :eek: plus the interest free loan we can get of £15k that's £32,500!! I have to take into account fees & things though of which I have no idea how much they cost in all so we do need to look into it to see how much we have left as that will be our deposit.

This weekend I need to still go to @sda, as yesterday DS1 came in too late and I was half way through dinner so we'll do that today instead and I may see if I can find some change in purses & pockets for some snacky foods for a film afternoon. It's chucking it down outside and I don't think the kids will want to go out in it!

6 days left to payday...........(and around £20 left for everything/anything we may need :eek:)

shinner

Wow that is a nice sum of savings to be had. You are very organised and focused.
I bet OH enjoyed doing the school run it does make a nice change when you don't have to stand in the playground waiting doesn't it.
Good news on the CC and policy. I wonder what the 3rd will be ??

debtfreewannabe321

Morning!

I wish I could have slept through today and woken up on Tuesday instead.

Few bits of not so great news for February's budget:

*Still have no tenant (but paying the mortgage) so budget short by £400+
*DH has had £200+ taken from his wages so budget will be short by around £100 there (the rest is usually his money to spend)
*No money from DPS yet (£525 for savings)

No so great news for my remaining £20 until Friday!
DH has had a work's night out sprung on him- compulsory and spendy. He's taken £20 for it even though it's £10 to get in so not a lot of spending money once there. He's not happy & neither am I but he can't get out of it. I underbudgeted by £5 something for the v1rgin bill so had to borrow £5 from my £20. So i have around £14 (and a few odd pence) for any food I need. I lent DH the money for tonight out of my car tax cash fund so I need to pay this back asap in Feb. I just hope the money from the DPS comes in and soon so I can use that to top car tax up before allocating the rest to savings.

DH needs to update training at work to get the money he is short by for next month. He's away nearly all of March and for a week in Feb so he needs to book on to that course A.s.a.p really as there is usually a long wait for it He thinks he will get back paid though.

I am only working 3 weeks this month so I think will only be paid for the 3 weeks which leaves me short so all in all we will be short by nearly £1k I think this month :eek::eek: I will work it out properly later but I think the savings will have to take a back seat for the moment as we will struggle to feed ourselves as it is this month without breaking into savings. This is all on first glances. I will actually go and have a look at my spreadsheet and work it all out on worst case scenarios.

I also need to get over to HS (homestart) as they have a family they can match me with but I haven't given them ID yet (I forgot it when I was supposed to bring it ) so I will try and drop it in this week as well as take the safeguarding test then I can be up and running with that.

Oh and the dvd player broke (and it was the only one in the house not built into a tv so can't use another from a bedroom :wall:

These things are sent to test us :cool:. All at once, it seems.

slm6002

Lets hope your week improves x

debtfreewannabe321

slm6002 wrote: »

Lets hope your week improves x

:j Thanks SLM! how are you btw? Hope you and the kiddies are ok .....update with next month's soa to follow!