Need to get myself together: The beginning

monz

So went out Saturday night... no regrets minus my bank account is going to be taking a direct hit ! Dreading to see the damage oops!!!

payday is in 17 days cannot wait. ~No news abt hire car yet, probably be this week if they saying I still to pay I guess.

xx

[Deleted User]

Glad you had fun on Saturday!

Dxxx

monz

So I learned that my biggest fear from a night out is not my drunken texts (though is very much up there!) its put on my bank card... even tho had lifted money... thankfully its out my account and not as bad as I had expected phew!! Lesson learned!

16 days until payday

VO is at £5.90 somehow letting me do more surveys in a day now I love that. Try get £15 amazon up soon as I can to save for a kindle xx

monz

Have I mentioned how much I despise 5 week months!

15 days to next payday. VO is currently at £8.20. Should try do some OP today if I have time.

Next payday my signature should change on house deposit as I have tried to get every penny back to what it was. Finally xx

JoJoC

I'm with you on despising 5-week months! They're the work of the devil...

Sounds like you're making great inroads into building the deposit back up to where it was. Glad you've got the focus to do this and not just have the F-it attitude that some (ma, probably) would have and just keep spending

monz

It has just been £5 here and there but built up quick again just shy abt £150 from it but aiming (I hope) to have my deposit at £7k by end April..... very far fetched but gonna try lol xx

JoJoC

I think you'll manage it - you seem really determined and I always think even if it's not looking likely, if you really play around with things, you'll manage to make it work. Alternatively, if it rolls on to May, it's not the end of the world.

Have you seen anything else that you like? Or have you not been looking until you get your deposit back up to where you want it to be?

abba1772

You can do it monz you'll have all of us cheering you on xx

monz

I seen a house recently but still unsure. I think I want more a chunk saved and a separate lawyers fees saved xx

JoJoC

Yeah, it's crazy how all the costs add up isn't it? When we moved we hadn't properly factored in legal fees, survey costs, stamp duty etc. Well, we knew they were there, we just didn't know how much. We had a small chunk left in savings which we were hoping to use to do bits to the house but the above ate most of it up.

When we moved in, it became clearer how minging the carpets and blinds were (stinking with nicotine) , the oven hadn't been cleaned for (no joke) about 20 years and so these things that we'd been hoping to do gradually had to happen ASAP - £2.5k later (flooring, oven, blinds) we were left with a couple of hundred quid left in savings.

Also think about things like the cost to change your address on driving license (if there is one now), paying a month up front for energy costs like a lot of places want you to do now, sorting out final payments for your old place and up front payments for the new place etc. I just found there were loads of little bitty things that ended up eating up a chunk of money.

Anyway, not trying to put you off! Just trying to reaffirm that you're doing the right thing in waiting until you have a good chunk saved.