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

apple_muncher

I've just read through your whirlwind of a diary and am now on tenterhooks, waiting to hear about the house!



Well done you on saving so hard and having the money ready for your dream home. Wishing you many decades of love, fun and laughter in it.

mumof3.12kindebt

Thankyou applemuncher :beer:

Moving day.
Removal men are at the house with my partner packing while I sit at the dentist loving life. Booked in for a deep clean so nothing horrendous !

Will update later have a fab day all !! :beer:

Hettyhound

Hope everything went well with the move

mumof3.12kindebt

Hello beautiful diary friends,
Thankyou hettyhound everything went as planned.

We still need to go back to the flat and sort some stuff out and paint it out.

Our next goal is to get £10,000 in our savings.
We will know how much we are starting with once we have paid the last rent payment on the flat and I have had my first month's full wage.

Hope you are all well.

Speak soon

mumof3.12kindebt

Good evening my beautiful diary friends,

I hope you are all well and life is being good to you.

I realised today. I've reached a point in my life where I have nothing to complain about. :j no sadness. Just pure happiness and contentment.
I'm in a job I love, and I know I'm very lucky as I don't know many people that can say they love there job these days.
We have a beautiful home. The type of home I use to dream about. I feel so blessed to be in this situation I'm currently in.

In other news our first mortgage payment goes out on the 2nd of July.
The sofa bed got delivered today so we have a sofa in the lounge and once our sofa comes in August the sofa bed is going in the spare room / second lounge.
Internet also got connected today .

We have decided we are going to get the floorboards sanded and waxed or oiled in the lounge (currently have carpet) this is something that isn't needed in a hurry so will be done after we have got our £10k in the bank.
I also need to make it priority to save for another car due to the millage cap on our current leased car. (just add fuel type).
We are going to sit down together one night soon and go through all our expenses now we have a much bigger house and I have high commuting costs (although I do get travel allowance at work to help towards this).

We managed to source a uniform second hand for free for the eldest. Middle son is going to a different school so we need to sort his uniform out.
On a financial update we are doing okay :j
Have a great evening all love hugs peace and happiness to you all

mumof3.12kindebt

Morning beautiful diary friends,
I hope you are all well. Hugs to those that need or want one.

I got my last wages from my old job today. So I've transferred it to go towards July's bills.

We have been going to the local baby groups with ds2 and DD.
Ds1 is enjoying his new school.
Ds2 should start. School in July

I think we should be able to cover the last rent payment and first mortgage payment (higher than normal) out of our bills money without touching our savings *fingers crossed*

I have work later today. Same as yesterday and again tomorrow as I'm on late shifts this week.

As of July I'll be writing out a budget (a no spend /low spend / frugal budget)

mumof3.12kindebt

Good evening my beautiful diary friends,

I hope you are all well.

I can't believe it's July tomorrow. :eek:

New month. And now the move is done a fresh frugal living mindset. The aim is to get some savings in the bank no matter how small.

First mortgage payment goes out on the 2nd which I'm stupidly excited about. :beer:

Have a great July everyone

apple_muncher

Hope you find the first mortgage payment as exciting as the anticipation of it!


How's your dad + job hunting going?

mumof3.12kindebt

Hello my beautiful diary friends,

As it is the first of the month I have money shuffled. Bills account should have enough money to cover us for the month (hoping there will be some left over )

As of today we start our emergency fund at

£4000

The goal is to get it too £10,000 hopefully before the end of the year .

Spends today
£45 petrol
£1.10 milk


Have. A great evening all

mumof3.12kindebt

Hi apple muncher thanks for stopping by and posting. He had an interview this week. Waiting to hear back and has applied for a few jobs fingers crossed he gets something. He's always had low pay / minimum wage jobs but he's also always been very frugal because of this he has too much in savings to be Able to claim job seekers. Like what I'm aiming for he wanted financial security. I started off my adult life like my mum spending more than I had coming in. I then got I'll with my bipolar and exceeded even more debt resulting in me joining this forum. In the last 2/3 years I have adapted my dad's mindset more and it's being frugal thats allowed us to achieve everything we have so far. :money:


Our mortgage payment went out and I really want to start overpaying but I know a decent emergency fund is a must especially as we now own a property.
We also got our £500 bonus from n@tioneide for having a mortgage with them so that has gone straight to savings. .