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

mumof3.12kindebt

3 years 9 months until we turn 30!

Still don't have a start date for my new job. But I have an interview on Friday with a local agency. I have another 3 to call back too but going to see how this goes first.
My new job is 24 hours a week. And I'm hoping to get 12 hours each week with an agency or overtime at work. Also going to crack on with eb!y and fb selling.
My car is booked in to be sprayed as its been keyed. I'll then be taking it straight to the garage to sell it. The tax on the car needs renewing on the 31st. It's only 30 odd pound so that's OK.
Once the car is sold I'm going to pay off our remaining debt. The rest will go into savings. And we will move onto our house fund once we hit 5k in our emergency fund.
Xmas this year Ill be spending as little as possible... I love Xmas but hate the commercialisation of it all. Xmas should be about family and memories not the gifts.

I had been worrying about money the last week or so. With not having a start date for my new job and my last shift at my current job being Sunday. But I'm now feeling a little more at ease.

We played uno again last night. Had a good laugh.

This week I have 4 shifts at work. A meeting at school regarding ds2. Ds1 parents evening.
And I need to crack on with my diploma and get my latest peice of work finished.

mumof3.12kindebt

Goals by 1st January 2019

• make £80 on eBay
• sell my car
• pay off credit card
• pay off catalogue
• have £5k in emergency fund
• earn a total of £2500
• have a no spend half term and Xmas holidays of activities
• complete my diploma

That will mean in January we can start focusing on our saving for a house deposit :j

mumof3.12kindebt

Hello... Hope everyone has had a lovely day.
Ds2s Meeting at school went as expected. They are applying for an EHCP and He will continue part time with a 1-1 TA. I really cannot praise the school enough for everything they have done and continue to do for him.

On a financial note. I lost motivation the last few months but I'm back on track and determined more than ever to do this...
If my calculations are correct we could be looking at buying as early as July 2020 thats the month we both turn 28!
To be able to save a house deposit of between 10-15% while raising 3 kids and having the living costs of running a home would be pretty impressive. ! So the countdown In January will begin to see how quick we can do it. I would like to add though we want a specific area and will wait until a house becomes available in that area.

I'm actually quite excited about the prospect of buying in 2 years or less instead of 4 or 5.


Ill update with my plan once. I know or new income exactly.

we continue to work on achieving our current aims. No excuses. No B$ we are doing this....

So the countdown begins . I'm giving us 24 months to get The following done.

[*]5000 in our emergency fund
[*]debt free
[*]20000 In house deposit
[*]10000 in moving costs fund

Let's do this!

24 months to go! :money:

debtaghh

You def seem very motivated.. keep it up!

zcrat41

Good luck!

mumof3.12kindebt

Thankyou both

To do by 5th November
1. Sell car - waiting to get it sprayed from where it's been keyed.
2. Cancel car Insurance
3. List 10 items for sale
4. Have a spend free half term
5. Use up the food we already have in the house
[STRIKE]6. Go to two interviews I have booked for agency work[/STRIKE]
[STRIKE]7..Cut down on smoking (still haven't managed to quit) [/STRIKE]
8. Use car sale money to pay off remaining debt
9. What's left of car sale money move to emergency fund
10. Cancel drumming lessons. Son now has piano lessons.
11. Have ten no spend days
12. Have a start date for new job
[STRIKE]13. Have some Agency work lined up. [/STRIKE]
14. Go to gp health check appointment
15. Go to consultant appointment

Off to work now. 3 more shifts including today and I'm finished
Hoping no deductions are taken from my last wage. I did request a breakdown of any deductions in my resignation so we will see.

Time to get my backside back in check!

mumof3.12kindebt

Been a busy morning just got home since leaving doing school run this morning. Leaving again in half an hour for work.
Anyway I'm registered with an agency. Spoke to my eldest this morning explaining I'll be working more so we can try to move sooner he said he didn't mind bless him

Tomorrow I'm going to get the bulk of things crossed off my list.

Off to have a cuppa and get ready for work.
Have a good day everyone

mumof3.12kindebt

hello everyone!
It's freezing outside today. We have finally caved and put the heating on.
Kids are currently watching TV

Here's my list for today

Don't smoke so much
List ten items For sale.
Have a NSD
Cook a roast
Empty car
Do my diploma work that's been set.
Watch a Film with the kids.
Sort our bedroom out
Bake a cake


Oh I have downloaded a countdown app on my phone ... I set it as 1st November 2020 so we have 2 years 5 days to go!

Best move my bum.

mumof3.12kindebt

Ive blended our porridge oats to make ready brek. Kids like smooth porridge :rotfl:

Payed 75p for 1kg of oats. I know sainsburys ready oats are 1.50 for 750g so I've paid less than half compared to buying the supermarket brand
Also in the middle of making my own sausage stuffing.

Need to crack on with everything else now.
Housework done. Just our room to do.

Kittenkirst

I do this too and also sometimes add cocoa powder to male it like the popular chocolate branded variety if I want to male it a bit more special