Future Proofing my life: Deposit saving then MFW journey in under 13 years

South_coast

I'm starting to think being a brand ambassador for YNAB is LaPlan's side hustle, she mentions it so much and in so many places 🤣!

LadyWithAPlan

debtfreewannabe321 said:

Morning @LadyWithAPlan I have read through your diary over the last week. I was holding my breath hoping you'd found your new home this morning as I got to the house viewing....sorry it didn't come through but like yourself I believe that there is the right one out there for you, perhaps it's not ready yet.... 

Your talk of YNAB is making me want to sign up and try it again, perhaps now I am more focused it might be worth trying one last time  

I moved out of London so I could afford to live comfortably and buy a home, so I totally get you wanting to perhaps underbuy and go smaller to keep the mortgage do-able. I think looking at 1 & 2 beds is a good idea.
Now I'm all caught up with you I will pop in to cheer on the flat hunting and money saving ventures DFW321

Well done in getting through 3 plus years of a mfw diary and yet still not bought ! Hope it was not too dull .....

I am getting my Mortgage in principal next week - I could borrow far more than I plan to - I just need the discipline to not overspend on a home - and get carried away - ultimately a bigger home is just consumption.. it’s just me - but I know I need a large balcony or better a garden whilst also being easily connected in London.

I had a fabulous old skool night out in Soho last night - saw lots of friends - wandered back and forth between a few private  members clubs - every time I turned around I saw someone I knew - I  love Soho, I love London - I always want the option of being able to be part of her vibe. Could have carried on til much later - friends ended up in Gerry’s but you know it’s gonna get crazy when that’s where you go .. so I got on the bus home  

I am actually shocked at how much YNAB has got me focused - given I have done monthly budgets for decades plus has virtual saving pots and sheets ! The missing links is the accountability, the dashboard and up to date correct picture of where one is mid month etc and it uses cc in a way that makes it v clear its debt 
I now spend maybe 1 min a day checking it plus the beg of the month recon and decisions ..and I love when I get income in so I can assign it.

Watching the Nick True on YT video helps and I even set my YNAB up step by step whilst watching his beginners guide 2022 so no thought required  - there is a 34 day trial so i suggest you start on the 30th of a month 

I have my SIPP and House savings as tracking accounts - but I can look now and see on the dashboard all my pots and where I am under /over goals .. plus seeing how much money is in my tax accts and next months money. 

 True  @South_coast
 but charging me the extra month is not..

AGE OF MONEY 28 DAYS! Best yet

PennysIntoPounds

Oh I love your account of your night out, it's times like those that really bring it home (literally) why it can be worth paying the premium of living in London 
Preferably not this much of a premium though 😂

savingholmes

Glad you enjoyed your night out.

LadyWithAPlan

South_coast said:

I'm starting to think being a brand ambassador for YNAB is LaPlan's side hustle, she mentions it so much and in so many places 🤣!

😂😂 madness how much indeed I see it’s helping me track and be aware .. given I always budgeted - but rarely did I bother taking time to review my monthly spending - whereas YNAB makes it effortless 

PennysIntoPounds said:

Oh I love your account of your night out, it's times like those that really bring it home (literally) why it can be worth paying the premium of living in London 
Preferably not this much of a premium though 😂

Nope I was bought loads of drinks by various friends - only spent £13 plus tube out bus back 
I tried to spend more but buying more drinks always failed as in they insisted etc 

@savingholmes. Tx hope your packing id going well 

NSD yesterday so think that’s 12/13 ! 

KajiKita

NSD 12 out of 13?! Awesome 🤩 👏 You were struggling with these not that long ago - you have moved so far in such a short time 😊

Glad you had a good time 😊

KK

savingholmes

Huge congrats on the NSDs.

Packing is going slowly but it's going. Not huge amounts left to do - but motivation has unfortunately dropped accordingly. DD just returned her key - and took a box of medical info I'd collected for her.

DrCarrie

Hey lady  

How goes it?...you have seen somewhere that might be an option in very north London? 

Soho is the liteal business. But i did like being able ti walk home when I was in Brighton and having a night out. 

First Pint or 2 as a Burtonian, beer is half the price!

LadyWithAPlan

@DrCarrie how are you enjoying the new home? Are you nearly unpacked yet ? I can imagine loving the cheaper col ! 

@KajiKita @savingholmes swinging in with a NSD yesterday 13/13 

I did pay (but not counting essential travel re nsd) for travel tube return as saw friend yesterday and  helped him with his taxes - he had more of a mess than I thought possible - he had done things to the software I don’t know you could do !! Had to delete, add in new and resort every invoice  plus most expenses .. still a great friend and I don’t get stressed - I like fixing maths puzzles (I realise I am weird) 
I am not a chartered acct nor do I ‘do’ accountancy as a job - though  I easily could but it’s not my LaPlan life plan - though I am actually quite looking to file my own ltd company accts now I am clear with the balance sheet - knowledge is power 

he had provided crisps and coffee whilst we worked and then we had 2 drinks out which he insisted on buying for my help - I could have got a cab/uber home as gone 10pm but it was £13 and it was a cold but dry night so tubed it and didn’t pop into Sainsbury’s as I passed it 
I think the YNAB 2 lazari  alarm that goes off every time I spend money in YNAB is v helpful 
- saying 3 lazari as it’s all budgeted for vs a 25 lazari one when I overspend a category (GO ref) 

 just £14.03 in my January grocery and £25 in bulk left - I could survive on freezer stuff but I do want to buy a FR chicken from Lidl which will also get me up and beyond spending  £7 to the free coupon 
feeling like a roast  then a chicken curry and soup is what’s needed 
want to get back to have hm soup on the stove - I normally batch freeze most of it 

Today I want to complete and file my SE taxes, and close my lLTD company ones,  help on taxes for a family members today, chanting  plus need to do some billable work and pop to gym first so a busy Sunday 

happy Sunday all 

DrCarrie

Nearly unpacked. Pretty exhausted today,  Binge watched Queereye!