WTBSEs 'Starting From Scratch' Savings Diary.

WantToBeSE

OK, feeling quite motivated today . I have decided that i need to steps things up a bit.

So, thinking about what i need to save money for...hold on, will get my list and BRB......

as i said in the opening post of this diary, this is what i need to save:

£1500- Car.
£2000- I desperately want to move house.
£1500-Emergency Pot.
TOTAL= £5000.

Feeling brave, i am going to give myself a deadline. I will still have monthly goals, but i want a 'Big Deadline' (referred to as BD from now on..:D ) to focus and challenge me.

So, I, WTBSE, do declare that i will have £5K saved by the end of July 2014 :eek:

WantToBeSE

WantToBeSE wrote: »

OK, feeling quite motivated today . I have decided that i need to step things up a bit. Nothing like a challenge to get the motivational juices flowing!

So, thinking about what i need to save money for...hold on, will get my list and BRB......

...as i said in the opening post of this diary, this is what i need to save:

£1500- Car.
£2000- I desperately want to move house.
£1500-Emergency Pot.
TOTAL= £5000.

Feeling brave, i am going to give myself a deadline. I will still have monthly goals, but i want a 'Big Deadline' (referred to as BD from now on..:D ) to focus and challenge me.

So, I, WTBSE, do declare that i will have £5K saved by the end of July 2014 :eek:

The order in which i need to do this is:

1-Car (almost there now!)
2-Emergency Fund
3-House Move.

The reason being that once i move house, my rent will increase by about £150 a month :eek: HOWEVER, i also know that i can pick up extra hours quite regularly at the agency, especially in the summer time. BUT, once i have moved house, i will be saving at a slower rate due to a smaller income. So i want to have that £1500 Emergency Fund there for me already before i move. I will add to it and wont stop saving, but i will need to give myself more time.

For now though, i am hoping to read more over on the OS board in an attempt to reduce my grocery bill by £20 a week. I might start off by reducing it by £10 a week for the next month though. I spend about £100 a week on food for me and the 2 boys. My teenager eats everything in sight and my 9 yr old isnt much better :rotfl: howver, i like food. I like to eat well (did i say i need to lose 13lbs, Hahaha!) and that costs money!

hold on, phone,,back in a bit..and well done if you have read this far!!

TM6

WantToBeSE wrote: »

The order in which i need to do this is:

1-Car (almost there now!)
2-Emergency Fund
3-House Move.

The reason being that once i move house, my rent will increase by about £150 a month :eek: HOWEVER, i also know that i can pick up extra hours quite regularly at the agency, especially in the summer time. BUT, once i have moved house, i will be saving at a slower rate due to a smaller income. So i want to have that £1500 Emergency Fund there for me already before i move. I will add to it and wont stop saving, but i will need to give myself more time.

For now though, i am hoping to read more over on the OS board in an attempt to reduce my grocery bill by £20 a week. I might start off by reducing it by £10 a week for the next month though. I spend about £100 a week on food for me and the 2 boys. My teenager eats everything in sight and my 9 yr old isnt much better :rotfl: howver, i like food. I like to eat well (did i say i need to lose 13lbs, Hahaha!) and that costs money!

hold on, phone,,back in a bit..and well done if you have read this far!!

You didn't come back (sobs uncontrollably) :rotfl:

WantToBeSE

Good things come to those who wait, TM6

cathybird

WantToBeSE, I've slightly lost track - with the £1,500, do you want to get your car repaired, or buy a new one? ... (by new I mean second-hand, obviously - you know what I mean.)

WantToBeSE

I want to buy a new one, Cathy. The car i have now is jut a PITA and i have had enough of it

WantToBeSE

I am bursting with positivity at the moment..and LOVING it. It makes such a difference to wake up and be full of happy thoughts. No real reason for it Project Positive Thinking really is doing great things for me
My positives:

-Had a lovely few hours with my 14 yr old son yesterday. The hormones can produce horrid behaviour, so it was lovely to have the nice teenager back for a few hours

-I have a job. I know, it can be a PITA having to get up for work and having no time to do stuff, but after spending almost 12 months being unemployed, going SE (Self-Employed) was the best thing I have ever done. I love it!

-I have savings in the bank. 'Nuff said!

-I really do have 2 lovely kids.

-I am healthy and happy and feel in control of my own life.

Yeah yeah, i'll shut up now

organic_wanabe

WantToBeSE - another positive to add to your list is:

I am setting my kids a good example!

Well done you. Continue with your savings and enthusiasm.

WantToBeSE

Thanks organic wanabe, that's a lovely thing to say

tiger_eyes

Congratulations on totally killing your savings target! Great work.