No more Shopping......

laurag89

Hey

Thanks abba1772!
Not brilliant news regarding the car but not too bad either, it cost me £230 something to do with the suspension. Was an expense I did not need however it could have been worse!! So a quiet month for me now.

I get paid tomorrow, which isn't so bad. I have set up a spreadsheet to track everything I spend, because although I have money left at the end of the month I am convinced that I am spending on things I don't need too.

I will be back tomorrow to update, looking forward to paying off some more of my debt

laurag89

Hey Diary,

It's been a while but I have been settling into my new job, and trying to pay things off

Starting to look for a house now, we actually have the deposit which is crazy!! But so pleased with myself for sticking to saving, I've never saved in my life!!

I will update my signature to reflect where I'm at now. Getting back onto the surveys as I've been a little slack lately

I have been saving all my change, and also trying to drive more cost effective etc to save money.

monz

Laura where are you x

laurag89

Hey Monz,

I am still here!
Busy times at the moment been house hunting, and working all hours under the sun as well as juggling the gym and seeing friends - it is pretty tough.

On a positive note, we have offered on a house we love!! And I am still working hard to clear my debt.

Hope everything is going well for you??
I promise to drop in more and update!

laurag89

I'm back for a second day in a row.... Things are improving.

Today has been pretty big... We had our offer accepted on a house. I am soooo happy, but petrified at the same time. All our savings will be gone, and we will be in more debt than I could ever have imagined. But it is all going to pay off in the future.
In the meantime, I am still looking for over payments I can make to my debts to get them down.

My spending habits have changed long term, I no longer buy things I can't afford and I don't use my credit card unless I am paying it off in full. I'm confident I will be able to budget carefully once we move out to ensure I can make even more overpayments.

Still logging on and completing surveys, the vouchers will be helpful for when we move out to buy things

laurag89

Hey Diary,

Big news we have bought a house!! Mortgage application was successful and waiting on the valuation now.

I have been collecting vouchers from my surveys now to use towards things for the house. Suddenly my loan debt feels tiny in comparison to this mortgage.... However I am even more determined now to get this debt paid off so I can start focusing on over paying our mortgage.

I had to put a little more than usual on the credit card that I pay off in full every month so now I'm clearing that back down before starting to over pay the loan again!!
It's payday on Wednesday, looking forward to having some money back in my account!

abba1772

That's fantastic news on the mortgage xx

monz

amazing news xx

laurag89

Thank you both!
The house is lovely I'm really excited

Need to knuckle down and get some things paid off

abba1772

Can't wait for this to be me next year, can't wait to own my own house xx