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Best put on my big girl pants! my saving for a deposit diary - Page 7

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

edited 13 July 2019 at 8:15PM in Mortgage-Free Wannabe
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  • mumof3.12kindebtmumof3.12kindebt Forumite
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    Today I was granted a promotion at work. It means more responsibility taking charge of my shift. Downside is same pay as now but the staff and manager I work with are amazing and supportive so I don't mind. There is alot I want to do qualification wise so I plan to stay until I feel ready to move on. I got the job 7 months ago. My manager and deputy are going to help me within experience and qualifications to get me to management level within the next 5 years then when I feel ready I will look for a deputy or management position but for now I'm Happy where I am and the support and experience and knowledge I'm gaining
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ June 2019 mortgage £123,500.00
    July 2020 mortgage £117,500 ~ loan £12,000 ~ emergency fund £5000
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    What's this?

    MUMOF3.12KINDEBT
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    I'm taking photos tonight of the gifts we got the kids. To remind myself next year it's okay to stick to a budget. Next year they will have one gift off us one off Santa and possibly one off their siblings . We have quiet a few relatives that buy for them. So there is no need for us to go out and buy loads. Like we haven't this year although we have brought them more than that this year.
    I've got rid of so much stuff this year my anxiety is already rising on the thought of where all thier gifts will go. And we haven't brought them alot ourselves.
    I'm so proud of the transition we have taken over the last 6 months. We use to just spend like it was water. We have come a long way and I'm proud of us for that. Long may it continue because I feel much more content happy and less stressed for it
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ June 2019 mortgage £123,500.00
    July 2020 mortgage £117,500 ~ loan £12,000 ~ emergency fund £5000
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    From our family to yours we would like to wish everyone a very Merry Christmas and a money saving 2018 .

    We are just about to go to bed after building the last present for the kids.
    I feel we have done well this year. We went over budget but I've brought much much less than the years previous. seeing how much family have all brought I've decided next year Im going to cut back even further and that's one of my resolutions for next year.

    I hope by this time next year we have made huge improvement to our savings. I just keep reminding myself save hard and we will get there.

    Anyway I hope everyone has a lovely day.
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ June 2019 mortgage £123,500.00
    July 2020 mortgage £117,500 ~ loan £12,000 ~ emergency fund £5000
  • KittenkirstKittenkirst Forumite
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    Merry Christmas to you & yours :xmassign:
    2020 Overpayments: £300.25 / £520 58%. £10 a week overpayment challenge!

    Mort- Oct16 £170.995 (end Nov 2041) Apr20 £141,644.76

    Overpayments 2016 £255.50 2017 £2600.40 2018 £4500 2019 £2858
    Referral codes= Prolific- 8JXN5BVG shopmium- ACEAHKFA Shoppix- 57VB13QH
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    Thankyou

    Kids were picked up by thier nan at 1.30 to see there dad. She brought them back at 3.20 . In that time thier dad popped out for 20 mins. Kicked off so bad thier nan took them for a walk for 20 mins hoping he would of called down by the time they got back and told the kids to hurry up and open the presents because hes Going out (to see his new gfs family) and in the end eldest asked to come home.
    He could of took his gfs to her family before the kids got there and met her their later but he chose not to instead he ruined the kids Xmas with him. He's always been a selfish (insert words here) and yesterday was no different he couldn't behave for one bloody day. I'm so angry with him .
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ June 2019 mortgage £123,500.00
    July 2020 mortgage £117,500 ~ loan £12,000 ~ emergency fund £5000
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    add to my post above. Their dad and his gf had already had Xmas lunch so it's not like they needed to get their for that.

    Anyway onwards and upwards.

    Xmas dinner and celebrations continue in our house today because I was working yesterday afternoon.
    Haven't been paid from work yet. Will add any overtime money to the savings when I do get paid.

    Kids loved all thier gifts yesterday and family were excellent in not Buying us things we wouldn't use.
    And all or Most will help us on our frugal no spend low cost living journey while we save up

    Ex MIL and FIL (boys nan) brought my partner a new hair trimmer (ours broke earlier this year) so we can cut the boys and his hair ourself again.

    My dad put money in the boys savings accounts and got me and my partner restaurant vouchers so that's 1/2 free date nights sorted

    My Nana and brother chipped together to give us the money for a family annual national trust pass so that's lots of free / cheap days out with the kids sorted.

    MIL brought us a small food Hamper and the kids toys they had asked for

    My grandma gave me and my partner money to put in our house fund box and the kids toys off their list

    My dad brought the baby a voucher for a clothes store.

    My partners nan brought the kids gifts off thier list and gave us £5 each for our house fund money box

    Me and my partner brought ourselves a water zorbing experience day so that's another date day sorted and the boys nan have offered to have the kids for us that day.

    We also brought a Kindle between us because we both love reading this is for 2 reasons it means we can free up some space and get rid of our paper backs and it means we can take more advantage of being prime members with free books each month and generally e-books will cost us less than paper backs.


    Off to finish off the dinner and enjoy this afternoon pigging out and playing games With the family and watching a film. Early night tonight. Back into work tomorrow
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ June 2019 mortgage £123,500.00
    July 2020 mortgage £117,500 ~ loan £12,000 ~ emergency fund £5000
  • newgirlynewgirly Forumite
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    Sounds like you got some mse friendly mse gifts there, all the best for the new year :)
    MFW 38

    2020 £14,466.48 / £18,000
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    thank you newgirl. Im so greatful to our families. :)

    So far we have eaten. Had the boys nan round and played. Kids charades. Guess that animal. Tried to play pop up pirate but couldn't get it working. The kitchen has been cleaned and everything washed up since dinner and the last load of laundry is on washing. Middle son is knackered so he's fell asleep and been taken to bed. I'm just settling youngest. Eldest is doing his war hammer figures with his step dad / my partner. Once the baby has settled I'm going to grab a nap or read my book as I have an early start tomorrow.
    Everyone enjoyed there Christmas dinner. :D
    My lounge looks like a toy shop but the kids are happy and for once I'm not worrying about anything.

    Hope everyone else has a lovely fee days before the new year x
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ June 2019 mortgage £123,500.00
    July 2020 mortgage £117,500 ~ loan £12,000 ~ emergency fund £5000
  • dawnybabesdawnybabes Forumite
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    Merry Christmas

    You mention gdd for your day - have you applied for DLA for him?
    Sealed pot challenge 822

    Jan - £176.66 :j
  • mumof3.12kindebtmumof3.12kindebt Forumite
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    Off to bed for an early start tomorrow. I must remember to check my emails in the morning.
    June 2017 £16,000 debt ~ Nov 2018 DEBT FREE
    June 2019 Homeowners ~ June 2019 mortgage £123,500.00
    July 2020 mortgage £117,500 ~ loan £12,000 ~ emergency fund £5000
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