Atrixa's Saving Diaries

edited 25 January at 6:20PM in How much have you saved?
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  • atrixaatrixa Forumite
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    Thanks MF! I've got a few hundred quid in an emergency fund at the moment, but ideally I want 6 months of expenses saved.
    Well said, SW! Luckily my boyfriend lives in the area I'm looking at so I've got a good idea of which streets to avoid. I've made a point of jogging around most of the streets when I'm out for a run to check if there's flytipping or smashed windows etc. I think this weekend I'll persuade him to pop out with me at 9/10pm to see if it's noisy or anti-social in any way. 
  • MovingForwardsMovingForwards Forumite
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    That's enough to tide you over. We all want 6 months, not many of us have that when moving 🙈 I had 2 months mortgage payment, but spent one month of it on the garden in the first month lol.
  • spiritusspiritus Forumite
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    Atrixa, have you tried matched betting? It can help you boost your income quite a bit. It isn't actually gambling as you are not risking your money-you simply take advantage of the new member offers that bookmakers provide. Google will explain it better than me
    No Unapproved or Personal links in signatures please - FT3
  • Skint_yet_AgainSkint_yet_Again Forumite
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    Great news atrixa. Well done on your savings & emergency fund. Are you & your boyfriend buying together? It’s good that he knows the area & will know where is desirable & where to avoid! 
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000
    House sale costs to date £90
    Aiming to retire early age 60 🥳
  • atrixaatrixa Forumite
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    I've not heard of matched betting, spiritus. I'll have a google this weekend.
    Thanks, Skint :) Just me buying. I viewed my first property today. It was my favourite out of the ones I viewed online and it didn't disappoint. I've got another viewing on Sunday (which was my second favourite) so hopefully I'll able to make an offer on Monday for the one I like best.
  • MovingForwardsMovingForwards Forumite
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    There is a section dedicated to MB on MSE, the only thing I would say is keep a separate bank account for it, just to be on the safe side.
  • savingwannabesavingwannabe Forumite
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    I don't do it, always scared I will end up addicted and lose what I have!!! lol. Good luck with house viewings it is so exciting. Kate Kaden on you tube has just bought her first house and she is so inspiring to watch. Enjoy the process. 
    Aiming for a minimal spend 2022
  • atrixaatrixa Forumite
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    Good call, SW. I could easily get lost in a load of house buying vlogs on youtube.
  • atrixaatrixa Forumite
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    I HAD AN OFFER ACCEPTED ON A HOUSE! Oh my goodness, I'm so shocked this happened so quickly. The one I viewed on Sunday had way more useable downstairs space than the first one I viewed, and the street is nice and quiet so I went for it this morning. I went a bit under asking, and it was accepted within half an hour. I'm in the process of getting the mortgage sorted and my advisor has been great so far. The one she's found is a five year fix with a 15 year term, only a bit over my current monthly rent. The idea of being mortgage and rent free in only 15 years is very exciting. I didn't realise that some lenders also give you cashback?! Buying a house so far hasn't been as expensive as I thought, so maybe this is a portent that the house will be a money-pit! XD
  • savingwannabesavingwannabe Forumite
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    Atrixa fantastic news, hopefully the house will be an excellent home for you and not a money pit as things are on the up!
    Aiming for a minimal spend 2022
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