Best put on my big girl pants! my saving for a deposit diary

mumof3.12kindebt

yesterday i spent £2 on a bottle of pop and a chocolate bar... on my way to give blood for the first time. all went well. everyone was so lovely ... got my next one booked for 28th august . was a lovely experience , don't know why i haven't done it sooner !

work later, more studying to do too. and food shop tomorrow

mumof3.12kindebt

Five things I want to do and places I want to visit with the kids before the end of the year are
Harry Potter world
London
Cadbury world
Weekend away camping
Go to the beach and have fish and chips on the sea front.
I also need to book for me and my partner to go water zorbing still.


Moving is quite high on our priority list. Well it's basically at the top. But I've also realised we also need to live a little two otherwise it just becomes like it all feels abit too much and overwhelming ..

mumof3.12kindebt

Savings to date.
£1002 in emergancy fund
£3091 in house fund accounts

Loan -£6000

Did a food shop yesterday £85 spent
Everything is sorted for the christening . Just the food to do which I have money separately put aside for.

mumof3.12kindebt

Update.

Emergancy fund £1002
House £4400
Car £145

Loan £6000

mumof3.12kindebt

Got an extra shift tonight. It's just a short shift.( 4 hours) but its extra pennies in the pot.

Can't wait till pay day for June.

mumof3.12kindebt

These are the totals in accounts
Aims for June

Emergancy £1182
House £5000
Car £400

Aims for July

Emergency £1317
Car £400
House £6000

Aims for August
Emergency £1400
Car £400
House £6800

September
Emergency £1500
House £7600

October
Emergency £1600
House £8400

November
Emergency 1700
House £9200

December
Emergency £1800
House £10,000

mumof3.12kindebt

First of the month.
I've actually been paid on the first for once... Shock horror!!

This month will be completely no spend apart from essentials and the christening food and Venue which has already been paid for.

Totals in accounts today

House £5200
Emergency £1120

Loan £6040

mumof3.12kindebt

£4 spent yesterday on milk etc
£15.05 Spent this morning at shop. £8 of it was ds2 which I need to take from his pocket money so actually spent £7.05

£17 spent today on school shoes. Used Amazon as we had a. £10 voucher they should of been £27 hopefully these ones will last ds1 longer than the other pairs he has had.!!

Im currently lay on the sofa with bad chest pain. Hoping it passes soon. Nice easy tea tonight. I have this weekend off work. :j

We have spent the day relaxing and house work. Went for a walk with the kids earlier and they have played in the garden this afternoon and my grandma (kids great grandma visited) . expecting their nan to visit tomorrow (my ex MIL, we get on great most of the time).

Kids christening next weekend. That's came round quick!

Also I'm in a predicament. Next month do I pay off my loan and be completely debt free and start the saving journey again. Or do I carry on how we have been. I'm half tempted to book an appointment with my bank and see what they can advise and offer also regarding better rate Saving accounts etc

mumof3.12kindebt

ive decided ... enough is enough.... im going to pay it off ... and start again... why would i even consider keeping the savings ... ill save myself a huge amount paying off my loan in 6 months instead of 30 ... when i took it out 6 months ago i took it out over 60 months ... so yeah... im not going to give the bank any extra than i need to ! here is too financial freedom !

mumof3.12kindebt

ive done it ... after everything i have transferred tonight i think we will be left with £800 on the loan so that should be cleared by the end of this month !

. i left £300 in emergancy fund for us to build on ...