Learning to budget to make future adventures happen

louby40

Oh wow congratulations on the house sale! Fingers crossed it all goes ahead. Are your buyers in a chain?

Great news for you all x

enthusiasticsaver

Looks like the house sale doing well.

I accepted an offer last week on a flat we have been trying to sell since April. You will presumably have to budget for solicitor costs and stamp duty as I did not see those on your anticipated list of expenses?

abba1772

Congrats on the offer xx

crunch_time

enthusiasticsaver wrote: »

Looks like the house sale doing well.

I accepted an offer last week on a flat we have been trying to sell since April. You will presumably have to budget for solicitor costs and stamp duty as I did not see those on your anticipated list of expenses?

Of course!! Agency, solictors fees and £7750 of stamp duty having to come out of equity.

I still have the budget from the sale we did almost 3 years to the date!!

Crunchy x

crunch_time

Morning all!

We are accepting the offer today!! The couple that came round yesterday loved the house but it's just too small for them.

So we are moving!!!!!!!

I'm excited of course but also feeling a bit scared particurly about the financial side of things. I'm determined not to feel overwhelmed by it all. Last time we moved we had £20k in debt and I was on maternity leave. Things are way better now. Just got to keep focussed and pull the horns in particularly for eating out and booze. And buying books. And top up shops.

I should be more confident in my abilities as if you had told me this time last year I would have found myself a new job, paid off our loan and have afforded the next house up I wouldn't have believed you.

Got to keep saying to myself 'I've got this, I've got this.'

The children are at holiday club today and I'm going to do some work on my blog and starting to sort out paperwork for the move!

Crunchy xx

enthusiasticsaver

Congratulations and hope it goes smoothly. You have less debt now so yes in much better position than last time.

People often tend to let the budget go haywire after moving though so a word of caution to take your time getting your new house sorted especially if you still intend giving up work soon after moving and your husbands employment insecure. I would advise a large emergency fund as priority as I guess the mortgage is going to be bigger.

crunch_time

enthusiasticsaver wrote: »

Congratulations and hope it goes smoothly. You have less debt now so yes in much better position than last time.

People often tend to let the budget go haywire after moving though so a word of caution to take your time getting your new house sorted especially if you still intend giving up work soon after moving and your husbands employment insecure. I would advise a large emergency fund as priority as I guess the mortgage is going to be bigger.

Thank you enthusiasticsaver. I have in fact been thinking about the work situation a lot. Once we move our monthly mortgage payment will double!! Although with just husbands current money we would have few hundred pounds left after all the essentials go out. The idea of quitting outright with no real back up makes me nervous so I'm seriously considering doing my 'six-month-long-change-of-career-course' but doing the required 15 hours a week alongside my teaching job and setting up the business afterwards alongside it if necessary.

I know the school now, I know the job and can do it well with not much planning now, DD is getting easier as she will turn 3 soon, I know people who have more on their plate than I do and they still seem to manage OK. It will be for the greater good. I will just need to take my organisation skills to the next level. Ha HA - for me that is 'meticulous' and no more procrastinating. And plan in proper downtime.

I just need to get husband on board. I will also need to get a cleaner. Ha ha!

Right, that decision seems to instantly have stopped me wasting time today staring at my spreadsheets!

So it looks like I'm going to have one more last year of teaching then. I can do this!

Crunchy xx

crunch_time

Husband is on board!!!!

Operation 'work hard play hard' is officially on!

We are off on a weekend break tomorrow. A very much needed one. I can't wait!

Crunchy x

crunch_time

Morning diary,

We are back from our little holiday and had a thoroughly amazing time. I'm feeling relaxed and rested despite the house looking like a pigsty!! So we have the rest if this week and then next Friday we are off again on holiday for a week with friends in another part of the country. I think the weather is supposed to be rubbish for August but it will be nice to get away for longer.

The minimum payment for my cc has come out so that is now down to £1176 which is awesome.

The money for searches for our new house has been requested - £375 so I will need to pay for that soon.

I cant believe its week 3 of the holidays already. I really must get on with some school work else the end of the holidays will creep up on me and I wont feel prepared for the new term.

Crunchy xx

crunch_time

Hello diary,

What a horrible day today weather wise!! It's been hard trying to get holiday washing dried - the house is like a Chinese laundry!!

I did a small top up shop today as we were out of some key items but I shall try to eek out what food we do have for the next few days.

Not much planned for tomorrow except a hair cut for ds.

Constantly thinking about ways we can keep our costs down and earn more money. Must write another blog post. I'm planning on doing some work tonight.

Oh one last thing, I've bought some fancy herbal teas to have after dinner which I hope will curb my urge to drink beer or wine. So saving money and looking after my health!! Will let you know how it goes of course!

Crunchy xx