The 'We're saving for a deposit' thread

hostie1985

:jwell done JimLad - You're over half way!!!:j

rocketchimp, i think im going to ban myself looking at rightmove for the rest of the month!

Im away alot this month because of my job, so will be back on thursday - alongs everything goes to plan......

good luck with everyone on their savings!!!!

hostie

happytails

Well off to had my documents in at the solicitors office to save waiting on RM to post it there, its only 10 mins away and atleast then the ball is rolling a bit faster! Got my appt for my mortgage application at half 1 - hoping that runs smooth - anyone know how long a mortgage application takes to process?

Not added anything into savers over the last week and a half, but on a good note, got my flasher unit replaced in my car for £5 - atleast my indicators work again - sick of getting funny looks lol Oh and sold my Nintendo DS to my mum this month to get out of paying board this month of £120 but this went on paying other things :mad: ah well! x

rictus123

Right iv finally got round to it. My ISA is empty and at zero, im on holiday for 3 weeks so itl be a while before i can add to it again and im away to Greece on Sunday, right now im 18 so have time on my side. Iv seen a good few people on here with £20k or so at 22. I have alot of respect for this and this is what i would like to achieve. If i move in with the gf i think £10k will be more than enough but iv started saving with the intention of moving out on my own, so a target of £20k.


£50 out of £20,000, only £19,950 to go, watch this space!

playing_with_fire

Hello,

My update

I've reached 34k and have seen a beautiful 2 bed flat. It needs decorating, but has so much potential. It's on at 120k (SE prices) and my boyfriend and I really like it. So far so good, except I'm terrified, we both are. I have worked so hard to save this deposit and am terrified of making a mistake (my deposit and just me on the mortgage). I keep thinking over and over the same things in my mind, we want to live together, don't think we can live with our parents for another couple of years, so maybe it's the right time, or I could lose all I have worked for and I know it sounds silly but I have got used to knowing that I have money in the bank behind me should I need it and it's going to be very hard to give it up. I guess I didn't think I'd find somewhere I liked that quickly, I thought I'd really start looking early next year, but we really like this place.

JimLad

What does everyone think of this new appartment for me on my own....

http://www.bovishomes.co.uk/bovis_assets/W/WCHTR/WCHTR_AF04_2_fp.pdf

Only £88K and its only 10 min drive from my job or the town center

jak

Hi, I just texted my landlord and didn't make a big thing of it. More like i'm thinking of looking after a couple of children at home, do you mind? Etc. Then i'm in the process of writing a permissions letter from him - i'm sending it with an SAE so it's easy. When I asked my LA they said to if the landlord is being difficult then tell him you may have to move and that normally changes their minds!
I hope that helps.
Jak
X

jak

Also- tell your landlord you will get public liability insurance- you have to in order to childmind anyway and this fully covers you in case of an injury to you, the child and your contents has to know you're running a business from home and you are protected there. It's your responsibility not the landlords, he is not liable. If you phone surestart they should be able to tell you this- also i'm sure Ofsted will be able to verify this- if you phone them (Ofsted) on 08456404040 then ask to talk to someone about childminding, then get their name and ask them if they can tell your landlord to ease his mind- then he's got NO reason to stop you if that's his only complaint!
Let me know how you go and good luck!
X

gemma7wayne

Im new to this saving as havnt been able to afford it until now can afford to save around 600 a month can anyone advise me of best place to put it at the mo it just goes in our e-isa's up until now only been saving bits here and there but now have dd set up for 150 a week.

Thanks gem

MrDT

JimLad wrote: »

What does everyone think of this new appartment for me on my own....

http://www.bovishomes.co.uk/bovis_assets/W/WCHTR/WCHTR_AF04_2_fp.pdf

Only £88K and its only 10 min drive from my job or the town center

To be honest it looks like a tiny shoebox. I don't see the point buying such a place (unless you're an investor buying it to let out).

That's exactly the type of place I would rent, or possibly even BTL one day, but would never buy to live in.

When you're ready to move to a bigger place (and face it, that thing doesn't take much outgrowing!) I imagine you could have a real hard time shifting it.

Saver-Rob

Possibly the last grand total that I will want to post for some years. We now have approx £66,000 between us. Within the next few weeks that will drastically reduce when we put our deposit down though!!