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Unsure whether to consolidate - please advise

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  • Humdinger1
    Humdinger1 Posts: 2,293 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @zippygeorgeandben good luck with the move and thanks for the extra update! Love Humdinger x 
  • Hi everyone,
    Just thought I would give you a quick update.  I have safely moved into my new abode and made it homely.  This month I should be getting my deposit back but I am prepared for a battle with the LL.  I may just let it go if it's not too much as I should focus on positive things from here on in.  I have worked out how much I'll be paying my new flatmate each month and I am hoping that I'll be able to show you a good saving at the end of March.  I certainly had a good saving for the month of February and who knows what March will bring.  I endeavour to do a full report at the end of March!
    Thanks for reading.
    Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS
  • Humdinger1
    Humdinger1 Posts: 2,293 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @zippygeorgeandben hurray for you and all new beginnings! Know what you mean about only positives but I'd be happy to talk to the old ll if you're too busy, just for fun.   I'm known as an expert complainer; without wanting to blow my own trumpet, it's rare that I don't get compensation.  One of my favourite cases was with a telecomms co; they ended up paying me several times more than Ofcom suggested.   I'd love to help even slightly as a small thank you for the hours of wonder and enjoyment I've had from your diary.  Onwards and upwards love Humdinger x 
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Brilliant offer Humdinger! Congrats on your move being accomplished so well Zippy and on getting full use out of your bike.
    Are you hoping to buy your own place at some point? Did you hear about the new scheme to help buyers with 5% deposits get a 95% mortgage? Doesn't have to be new builds either unlike Help to Buy, which I thought was more a boost for new flat builders. H to B has also been shown to have increased property prices according to the FT. I'll get off my hobby horse now.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • @zippygeorgeandben hurray for you and all new beginnings! Know what you mean about only positives but I'd be happy to talk to the old ll if you're too busy, just for fun.   I'm known as an expert complainer; without wanting to blow my own trumpet, it's rare that I don't get compensation.  One of my favourite cases was with a telecomms co; they ended up paying me several times more than Ofcom suggested.   I'd love to help even slightly as a small thank you for the hours of wonder and enjoyment I've had from your diary.  Onwards and upwards love Humdinger x 
    You're too kind - We actually got locked in one day and he wouldn't pay/take responsibility for the lock.  Plenty of other things too. If you are good at writing official letters of complaint to EstateAgents etc. I would be all ears because they have done nothing.  I have had a broken mirror for 18 months and an out of date EPC.
    Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS
  • Humdinger1
    Humdinger1 Posts: 2,293 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @zippygeorgeandben will send you PM.  Was your deposit protected in one of the official schemes? Humdinger x 
  • Hello everyone,
    It is time for my monthly update.  First of all, I hope you had a nice Easter.  Apologies for the update being a couple of days after March (I did promise at the end of March in a previous post!)
    So I have now completed my first month in my new flat and managed to save....cue drum roll... £2031.59.  This is made up of my HTB payment/sister savings and just general paying less on my bills. I'm really pleased with this and it was definitely the right decision to move from my old flat I was paying for on my own.  I still haven't had my deposit back yet (but I'm handling this) so this will come next month (I'm 99.9% sure!).  But yes, a  good month which seemed to carry on for ever.  I think I need to move money from my current account into my savings account so I can accrue the interest there.  I suppose I should see this as a milestone, hitting £30k in savings. :)
    Thanks for reading everyone. 
    Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Thats good news @zippygeorgeandben
  • Humdinger1
    Humdinger1 Posts: 2,293 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @zippygeorgeandben fab news! Congrats and belated happy Easter Humdinger 
  • Dobbibill
    Dobbibill Posts: 4,193 Ambassador
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Congrats on the savings and what sounds like a lovely first month in your new flat @zippygeorgeandben
    Happy Easter to you too ;)
    I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

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