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2020: Becoming a Saver, Not a Spender

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  • beanielou
    beanielou Posts: 95,475 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds so cute. 
    My best boy is 19 3/4’s. 
    Seems such a long time since he was a teeny weeny kitten. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • More/new car gremlins today....

    Suspect I will be contacting the dealer for evidence of a full service before purchase (if that even exists) at some point...

    That is all for now whilst I try and scramble my budget around!
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you are having problems with the car. Rude of the bank too - but I bet they are just scared and annoyed they can't stay home. Kitten sounds fun.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • FootyFanDan
    FootyFanDan Posts: 1,675 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    OUCH! to the car repairs, it is really positive and reward for the hard work you have done that you have not had to get into debt for the work to be done, but still must be a pain. Good that you were able to get it done and feel safer though. 

    It sounds like you are not having much luck with the car :(......YAY to the cute new kitten though!
    Days to Orlando: 462- ☀️🎢

  • Car is the garage as we speak, looking at another £100-£200 for the likely fault, can barely scrape this with emptying my sealed pot as well and juggling things around, officially moved to town brassic for the  month, population ME :joy: I have to laugh or I'll cry lol.

    I'll probably drop it in for a full service when I get my SE wages in the middle of next month, then hopefully it shouldn't need to visit the garage until MOT time! Stressful times indeed.

    Yeah I really can't wait to bring the little guy home, just over 2 weeks :) 

    Not much else to report, hoping that the universe starts to be a little kinder to me at some point, but grateful as always for OH who took me shopping for my Nan after work, and took me to work this morning so that I could drop the car into the garage. He's a good'un x 
  • beanielou
    beanielou Posts: 95,475 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blooming cars 🚗 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • £500 bill to collect the car later, two issues arose.

    Bank of OH to the rescue again, total will be paid back to him across the next 6 weeks or so. This really, really needs to be the last time I need to visit the garage, universe, cut me some slack! Going to gather all of my repair receipts when I get home tonight and attach them to a complain email to the dealer who sold me the car. 5 months I have had it, and it will have cost me over £1500 in repairs so far. I know I've lost my right to tell them to take it back as I've had the work done elsewhere, but I am hoping for some sort of goodwill gesture from them when faced with the bills I have had to pay to keep the car safe.

    If I can run it for a few years with no further massive expenses and can do small bits and pieces myself from the manual I bought, then over the life of the car in my ownership it won't be the worst thing in the world, just unfortunate so much has happened at the same time. Still, silver lining, no debt to anyone other than OH, these are common faults that would have happened at some point or another, and I've got them sorted at a garage I know I can trust.

    Still, I am sulking a tad.
  • beanielou
    beanielou Posts: 95,475 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blooming heck. 
    That’s a lot. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • beanielou said:
    Blooming heck. 
    That’s a lot. 
    Agreed, so hopefully that's the end of it for a while. Just my luck to have picked a cr*p car!
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So sorry to hear about the car bills. Glad your OH is helping you out.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
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