Making savings before it's too late

[Deleted User]

Heart in mouth now, I received the many pages of solicitors notes,I am so tempted to skim read but cannot miss anything. I have been gathering proof of funds, from all over the place. Some obscure banks and societies have no print button, so today I learnt how to do a screen shot. Once all this is over, then I will have to tread carefully wrt savings.

System

kittie wrote: »

Heart in mouth now, I received the many pages of solicitors notes,I am so tempted to skim read but cannot miss anything. I have been gathering proof of funds, from all over the place. Some obscure banks and societies have no print button, so today I learnt how to do a screen shot. Once all this is over, then I will have to tread carefully wrt savings.

Heya, could you elaborate, basically because you have separate accounts (savings etc) across multiple banks, it's been difficult showing proof of funds? I'm also someone who spreads my finances/savings out too (with a few 'different' banks (so not all mainstream) , would you mind saying where you hold your funds that don't have the print option, so I can see if I'd be in a similar position, and something to think about too.


When you say tread carefully, what will you do?

[Deleted User]

Hi sweetcake, I am not going to say where my accounts are but in fact it is the bigger accounts that have the print button. Money should be spread out btw
Tread carefully means not spending too much money
You could have a practice run ie try and print a copy of a statement

[Deleted User]

it`s quite hard jiggling and juggling, isn`t it? I am needing to keep my current and safety net accounts completely separate from my savings for my new house. Tax bill due at the end of the month and major car service plus mot which will cost £318. I am just about to check on m/s money, I think I allowed enough. I normally pay the tax bill 2 weeks early but that would leave £1.08 in my current account. Peter and Paul come to mind. My cash purse is almost empty, only got enough for a dgs cash present


I should recover current account stability by the end of august. I spent £7.50 on a meal out yesterday, on the way home, was nice but I hardly spent anything during tha last 5 weeks. Reminds me of the 80s when I used cash in envelopes

Blackcatsreturns

Like you Kittie I have money in a few different accounts. Some of them I don't look at very often during the course of the year. My NS&i Is used most frequently and I find it easy to operate. I did a mid year review last week as interest payments have gone in.
Moving house is exciting and stressful. It's progressing quickly for you if you already have legal paperwork to review. I moved house with lots of unsorted clutter. You are definitely doing the right thing sorting in advance. I am working through boxes of "stuff". Some of it leaves me completely bemused about why I still have it, let alone why I boxed it up and moved it!
I have just found a collection of records that belonged to my brothers who emigrated 45 years ago. The records must have endured 10 house moves with me, hidden away in their sealed box. The album covers did bring back some memories of sneaking into their room where they played Rolling Stones records incessantly. I am a younger than my brothers and my musical taste at the time was The Osmonds (on cassette)

lessonlearned

Just been thinking about money.......:eek::rotfl:

This house moving m'larky sure gobbles up cash. Everyone wants their slice of the pie, Its just a licence to print money.

Just shelled out over £500 for a building survey......38 pages of pure waffle, most Of it absolute tosh. I shall get my builder to give me an honest opinion......all it will cost me is a slap up lunch. :rotfl:

[Deleted User]

The taxman went silent on me, I was expecting a £400 rebate all last year, it was my initial mistake but I told the accountant after he had submitted the return, I will do without the accountant in a year or so but there is still something niggly from hubbie`s company, he was a director. I will be using the accountant, will supply all the info, will photocopy and re-send the letter I sent last year re the mistake and this time will study the accounts properly before I sign them


So I received this current tax bill and it was on m/s money, treading water and will pay it in 2 weeks. That £400 will be nice, tax is normally rebated fairly quickly so the sooner I get the paperwork to the accountant the better. None of it is complicated but it still makes my stomach churn

Blackcatsreturns

Kittie - I always dread tax bills. For many years I just had PAYE income but now things are more complicated. I now have a good accountant and a good idea of what the bill will be but I still don't like the process.
My mid year spending review (fancy terminology for adding up my personal spending) shows that in first 6 months of this year I have spent £750 less than the first 6 months of 2017. I haven't gone without or missed out on anything. I have just been more thoughtful about what I spend my money on. If I can do the same or better for the remaining six months then I will be very pleased with myself. I have also saved on household costs like utilities and tried to maximise interest rates on savings. This thread came at the right time for me and has been very motivating and has really helped me manage my money.
Thanks everyone

[Deleted User]

blackcats wd on keeping the finances on the straight and narrow


I paid my tax today, the waiting and uncertainty was not nice, so I withdrew £1000 from a savings account because I have a dgd visiting next week and I need to give her some cash, a birthday gift and the promised reward for personal achievement. £300 cash came out because my cash wallet only had £60 in it and it is now a good float again. £500 into my safety net savings because that is my first line protector. The other £200 is enough to get me over that pinch point around my tax payment. At least now I know where I am, until next month when the car service etc needs to be done


Best of all this month was the fact that my cc statement said I owed zero and in fact had a balance of £11. So yes I splurged last night and bought myself a long sleeved lycra top for larger ladies to wear when cycling. It was in a sale and half price £67.49 instead of £134.99. I saw my size and snapped one up. Paypal had £23 excess and that plus the £11 means that I can account for £40 and will send that through to cc as soon as my small work pension goes in on the 18th and I will be back to zero


My house move is still very much on track but the survey is in almost 2 weeks and I will have a heffty bill then, if I am very very careful, I may be able to pay it from a current account. I have visitors that week and will feed them from my freezer and allotment

lessonlearned

Just been looking at my projected expenditure for the next couple of months.....wished I hadn't.:o.

This house move is scary, it isn't just the purchase price but all the other stuff that goes with it, fees, moving costs. It's all mounting up.

I have tried to work out my budget for living expenses for when I've moved but it's a bit of a guesstimate. I do know it's going to be tight. I am going to have to be very disciplined, and imaginative if I am to streeetch those pennies.

Still, as long as I can stay out of debt Then that's all that matters. Luckily I have a wardrobe full of clothes, enough furniture and household goods, my car is paid for and I have no debts.

Well I did say I wanted to live a Simple Life. :rotfl: