📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

2020: Becoming a Saver, Not a Spender

1606163656671

Comments

  • Huzzah!!! A nice house went onto rightmove this morning and I am viewing it on my lunch break on Monday! Top end of our budget but still close to where we are now so will still be near the gym, pool, etc. Will tell them on the day that we'd like to apply to rent it, if it's nice, as things are just going so quickly with rentals at the moment!
  • Im not sure who you re with but I'm with EDF and there live chat is brilliant, I managed to add oh to my account previously and reduce down by dd due to it being too high straight away. Hopefully yours will be as helpful and good luck for Monday :) 
    Pennies starts again...........2022 - £13,579.22  



  • Im not sure who you re with but I'm with EDF and there live chat is brilliant, I managed to add oh to my account previously and reduce down by dd due to it being too high straight away. Hopefully yours will be as helpful and good luck for Monday :) 
    He is/we are with Tonik and phoning or email seems to be the only way to get through, neither of which I can do on his behalf unfortunately :joy: 
  • beanielou
    beanielou Posts: 95,741 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope house viewing goes well  :)
    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.
  • jwil
    jwil Posts: 22,069 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Have a lovely weekend and fingers crossed for the viewing.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • OH is grumbling the house is too expensive... sigh.... still going to view and bring the paperwork home. 12 months is all we need it for, 12 months and then we're onto (hopefully) buying.

    Cancelled my gym slot this morning as the EA asked if our boiler could get serviced this morning, OH is at work all day so I said I can let them in before 9:30 or after 10:45 to work around my gym session, they confirmed that 11 would be fine but had an inkling it may not be, good thing I was home as the guy turned up at 9:35 and left an hour later, so basically the exact time I would have been out of the house :joy:

    Washing load one of 4 on, thought it was 3 but just remembered towels and bedding so could be 5 :joy: 

    Gutting the house today which I say I'm going to do every weekend but it's 11am and I've hoovered and mopped all of downstairs, cleaned the toilets, and got the first load of washing about to finish so I'm feeling motivated.

    The rest of the "gutting" looks like:
    - tidying the cupboard under the stairs
    - sorting out the shoe cupboard
    - tidying the bedrooms
    - cleaning the bathroom

    I have a tip slot booked for tomorrow afternoon, so it's the perfect time to be clearing out as it won't be hanging around the house for ages.

  • savingholmes
    savingholmes Posts: 28,994 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just caught up - wow you are a whirlwind of activity. Glad hurting your finger hasn't slowed you down. Hope you get a place you like. It will be fab if you can then save towards buying. Great news on the £640 in credit !! I would definitely go proportionate on your income. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Thanks Holmes, seems to be the most sensible approach :)

    Got everything done I had hoped to do, even today I got an hour or so of SE work done, attempted the headlight restoration kit on my car (think the discolouration is inside so will need a new light casing at some point) and hoovered all of downstairs for the second day in a row. 

    Just chilling on the sofa at the moment, we have stew in the slow cooker and then I need to cook off some meat later to meal prep for the week. 

    The gym was really good this morning, machines all spaced out well and lots of sanitiser and anti bac spray to wipe down before and after using each machine, plus a one way system for entering and exiting the building. Very impressed :) 
  • Good morning forumites :) 

    Pleasantly aching from the gym this morning, I have rebooked for tomorrow evening as OH is working AFD, and he has rebooked for Wednesday daytime as he is off all day.

    Stew was lovely, had intended to bring some for lunch for work this morning but had a weird morning as I was super proud I'd gotten up, showered, ironed my uniform and scooped kitty's litter box and still left on time for work. Only to get to work and realise I'd left my lunch and work keys at home :joy: OH dropped my keys down, lunch I wasn't too fussed about as I will be backwards and forwards to go to the house viewing anyway so may just swing by home, have a super quick sandwich, and head back to work again.

    I've also just remembered I'm supposed to take my nan to pick up her car from its service and MOT on my lunch break, luckily her house is on my way to work so should be able to make it all work... no rest for the wicked :joy:

    A few bits to do tonight that I didn't end up doing last night including:
    - the ironing (not actually too much to do to be fair)

    Oh, that appears to be it :joy: lunch meal prep can wait until tomorrow evening as I will now have the stew for lunch tomorrow, and the house is generally clean and tidy!
  • How quickly things change! OH confessed he had zero intention whatsoever of renting the house I was going to view, so cancelled the viewing as it was pointless driving there and back and wasting time and petrol. *sigh*

    Nan's car also wasn't ready to collect until after my lunch break, so didn't need to go out for that, either.

    So, a busy day has become a quiet day. Sometimes I only feel good if I've been productive, so feeling a little deflated. We did find out it's a simple phone call to switch the utilities to my name, so just waiting on the credit situation to be addressed and rectified and then I will sort that out.

    Drawn up a spreadsheet for OH and I (he loves a spreadsheet) demonstrating the bill breakdown each going forwards paying proportionately, showing how I've worked it out and what makes up what, told him in a huff about the house viewing having to be cancelled that we would be starting from next month. Didn't really ask, just told :joy: 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.3K Work, Benefits & Business
  • 599.6K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.