Is 2023 my year?

edited 31 December 2022 at 4:22PM in How much have you saved?
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Dizzy_DitzyDizzy_Ditzy Forumite, Ambassador
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edited 31 December 2022 at 4:22PM in How much have you saved?
Will 2023 be the year that I get on the property ladder? 🤔 

Currently sat at about £18K, £10K of which is his and the rest mine. The increased cost of living is biting a little in that I’m not saving as much as I should but I am sticking something away each month at least. Another rent increase in January isn’t going to help 🙄 

Let’s just keep hoping for that ever elusive lottery win 😂 


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  • Skint_yet_AgainSkint_yet_Again Forumite
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    Happy new year Dizzy. Good luck with your savings and getting on the property ladder in 2023 🤞
    0% credit card £1360 ~ paid in full 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE House sale costs= EPC £55 Solicitor insurance £90. Solicitor fees £1290 NOW MORTGAGE FREE 🤗 House purchase costs = house 1 fell through serious illness of seller. Solicitor Insurance £90 Searches £300. House 2 offer fell through structural problems / damp on survey. Solicitor insurance £90 Searches £300. Survey £375. House 3 offer 20/10/22 survey £540. Solicitor insurance £90. Mining survey £60 Searches £300. Damp report £150. Builders report/ quote £100. chaps transfer £23. Solicitor fee £2000.15. FEB 2023 = NOW COMPLETED 🥳🍾
  • savingwannabesavingwannabe Forumite
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    Dizzy i felt the same when i was saving for the deposit on the house but did get there. I know you can do this. Like you I am worried that my savings and standard of living are taking a tumble this year but we have to keep trying. We can do this. 
    Aiming for a minimal spend 2022
  • Dizzy_DitzyDizzy_Ditzy Forumite, Ambassador
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    It’s really annoying that I’ve moved most of my savings to a better interest account but my help to buy isa is stuck at 1% and because HTB ISA’s aren’t available anymore I can’t move my current one to a better paying account 😒
    I’m a Forum Ambassador and I support the Forum Team on the Health & Beauty, Greenfingered Moneysaving and How Much Have You Saved boards. If you need any help on these boards, please do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]

    All views are my own and not the official line of MoneySavingExpert
  • MovingForwardsMovingForwards Forumite
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    There's a few savings accounts paying over 5% and 7%, but need a current account with them, they make a huge difference to boosting savings as does rounding up pennies etc.

    I'm not sure if it's still possible to transfer a H2B ISA to another provider, although they're no longer on sale, as people have been about a year ago.
  • edited 1 February at 5:48PM
    Dizzy_DitzyDizzy_Ditzy Forumite, Ambassador
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    edited 1 February at 5:48PM
    There's a few savings accounts paying over 5% and 7%, but need a current account with them, they make a huge difference to boosting savings as does rounding up pennies etc.

    I'm not sure if it's still possible to transfer a H2B ISA to another provider, although they're no longer on sale, as people have been about a year ago.
    I think I’m going to keep it as it is and put the bulk of my savings in my bigger interest accounts. I should have paid more attention 12 months ago 🤦‍♀️

    *edit - turns out I can transfer an existing HTB ISA so over the weekend I’ll have a look around and see what I can sort out
    I’m a Forum Ambassador and I support the Forum Team on the Health & Beauty, Greenfingered Moneysaving and How Much Have You Saved boards. If you need any help on these boards, please do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]

    All views are my own and not the official line of MoneySavingExpert
  • Dizzy_DitzyDizzy_Ditzy Forumite, Ambassador
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    I had a tidy little win on the lottery this weekend 😀 not life changing by any stretch but it didn’t end up in my savings - I was told to get something for myself so I upgraded my air fryer 🤣
    I’m a Forum Ambassador and I support the Forum Team on the Health & Beauty, Greenfingered Moneysaving and How Much Have You Saved boards. If you need any help on these boards, please do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing [email protected]

    All views are my own and not the official line of MoneySavingExpert
  • MovingForwardsMovingForwards Forumite
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    Congratulations, sounds like good use of the win!
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