Sorting my life out diary!

mariagti

HI

Well i sent off the ebay parcel i sold today and paid in £15 of coins that came from my sealed piggy!!!! (this will be replaced) I had to martin says always use saving for paying off debt.:o I also had £5 in pound coins that also need to be paid into my other bank at end of week.

I just got looked at my lightspeed points and had enough for two £5 paypal payments. So ordered them.;)

I checked my paypal and have £13.44 from the slicethepie and ebay item.

My mum gave me £10 as an easter present as they have gone away for easter. (she worries i will run out of food...bless her!)

So,so far extra money for credit card i have is

£20 coins banked
£23.44 in paypal
£10 in purse from mum (waiting to be banked)

Total day one is £53.44!:D

Im £1.50 off getting another £5 slicethepie but hate the music at the mo and running out of things to write!

mariagti

Hi all,

I havent earned much extra money today about £1 slicethepie...i cant stand the music on there at the moment. Its awful to listen to. But its extra money so i cant moan really.
I had my letter through that loan has been settled and closed.:j w hooo!!!

I have spent most the day today feeling really confused, OH and i have talked about buying a house v renting. And we're now thinking of renting because of costs, the market and lending at present. Plus the main thing is starting a family. We want to start a family soon (end of year) but feel stuck by house prices. So we have been seriously thinking of renting and starting a family. Instead of saving to buy which could take years, then struggle trying to pay mortgage, bills, maintance costs and a baby...we would probably fall flat on out face and have no where. At least with renting, we wouldnt have to worry about maintence etc. Then we could carry on saving while renting.

When e do start a family will OH be able to look after us on just his wage of £18,000? Would there be any benefits or tax credits for us? Some many questions so confusing!.....Is there any right time to start a family?!

lilmissmup

Don't think there is ever a right time but if you want to do it do it!

You have £10k anyway, could you not see if you can get a mortgage with that? If you wait until end of year to buy you would have more anyway! You still have 9 months once your pregnant!

Renting is partly what has caused my debt and i personally don't want kids until i own my own house now so will be a few years for us, it is a lot harder to save when renting and you will only be on 1 income as well which will make it harder (sorry to sound negative don't mean too!)

The website http://www.entitledto.co.uk/ can help you with tax credit and benefit info etc.

mariagti

Hi,

Well i made a post on family board here http://forums.moneysavingexpert.com/showthread.html?t=806723

and ive been turned to renting so we can start a family. Esle if we was to buy a house then i couldnt see the right time to start a family ever coming up as we would not be able to afford both mortgage and a family on just my OH's wage. So for now renting is the way forward for us. Then in a few years time the house prices will hopefully have dropped, and lending will be better. And by then the baby wouldnt be a baby so i would be at work again and we could then afford to buy hopefully.

We should both be debt free by May. We're thinking start renting in June/July.See how things go, then end of year plan to try for baby.:o

mariagti

Ok, now for the money side of things.

Paid another £5 slicethepie into my paypal. Lightspeed paypal payments also went into paypal. Now have total of £28.44 in there.

I listed two other items on ebay yesterday for 7 days one is already at £2 .So will wait for them to finish then will withdraw all money from paypal into my account.

Extra money total £58.44.

lilmissmup

Good luck with the baby plans and extra money making

mariagti

HI, Easter weekend is on its way!:j :EasterBun

Although i am working 2moz...but double pay of course so i dont mind! I have bank hol monday off.;)

I wanted to buy some creme eggs for my friend at work to give her 2moz but the weather is so rotten i dont want to go out! So what im going to do is use my free big bar of chocolate i won to melt down and make chocolate nests with!...saying that i hope theres cornflakes or shredded wheat in the cupboard!

I havent made any extra money today But did do a toluna survey for 10,000 points so when that clears i will have enough for a £12 Halfords voucher!

Keeping_Motivated

Hi I regularly read your thread just don't post much sorry. I haven't read your thread on the family board but I was wondering about the rent/mortagage debate... where I live the rent is about equal to what you would pay in a monthly mortgage for a similar property, is that not the case where you live?

mariagti

Keeping_Motivated wrote: »

Hi I regularly read your thread just don't post much sorry. I haven't read your thread on the family board but I was wondering about the rent/mortagage debate... where I live the rent is about equal to what you would pay in a monthly mortgage for a similar property, is that not the case where you live?

Hi, Id say its around the same yes, but with the way things are with lending money and the housing market, it not really the best time to buy. And we're getting a little stressed living at home with our parents, and it would be a good test to make sure we can live with each other before making such a big move buying together!:o

Keeping_Motivated

Sounds like you have weighed up all your options and are being real and sensible about things.

Good luck with everything

KM x