The 'We're saving for a deposit' thread

JimLad

before_hollywood wrote: »

are you going to be living alone? if so then does your councile tax include single person discount? round here that is 25%, why in gods name are you paying £20pm for internet? bt basic line rental is £11 a month and my isp charges existing customers with something else with them £7.50, unless by phone you mean mobile phone and internet includes bt line, in which case my bad sorry

my budget is similar (i earn slightly less but some of my bills are lower and the mortgage is £200 a month less), i have budgeted £100 for food, but i have to pass netto on the way between where i have offered for and my parents place and netto is getting an extension so i will be going there

I forgot about the single person discount! That takes me down to around £90 for council tax That gives me an extra £30 disposable

My £20 for phone includes £11 line rental and £9 on my contract (which i never go over cos i text everyone).

I put £20 for internet as i am a heavy user and download a lot and BT unlimited costs £18.99 per month ( i round up to make it harsher).

£300 a month mortgage! Thats very impressive indeed! Unfortunately i will be a first time buyer so wont be able to get a super rate to begin with

Im sorry everyone for posting my estimated budget on here, i guess its not really the right place

jak

I've just put another £100 in! 14.3% now!!!!!

JimLad

jak wrote: »

I've just put another £100 in! 14.3% now!!!!!

Thats fantastic Jak! Keep plugging away it will soon build up

Thank god the forum is back, i was lost without it!

dippykitty

JimLad wrote: »

Thank god the forum is back, i was lost without it!

Me too :eek: I update my signature on at least a daily basis to keep track of things so that emoticon is probably a good indication of what my face looked like when I tried to log in and couldn't!

Jak - It's building up nicely now!

[Deleted User]

Another £50 babysitting money added to my house deposit funds :j:j

happytails

Hi Can i join?

Im Sarah and saving with my oh for our deposit We rented for 2 years but have moved in with my parents to save up, we also have a little girl who is nearly 6wks old.

So far we have £4330 saved - our aim is £10k and to have it by 29/09/09 - OH's 21st birthday.

We are (from this month) putting in £1000 of OHs wages into our savings - He gets £1250 net basic + any overtime. I get £360 Maternity allowance a month and we also get the £80 a month child benefit. We have paid off £1100 of our overdraft and aim to get this to disappear over the months - i am more motivated by putting £££s in a savers than taking £££s off our overdraft in one go so doing it slowly - just feels like ive thrown money away iykwim!

Whats everyone doing to earn a little extra? I am not working as got my baby to look after but paid surveys and the like might be good to get a bit of extra? Also how do you get money from these cashback sites like quidco?

Sarah xxx

43.3% saved 56.7% to go! 177 days til we *should* have our 10k

dippykitty

happytails wrote: »

Hi Can i join?

Im Sarah and saving with my oh for our deposit We rented for 2 years but have moved in with my parents to save up, we also have a little girl who is nearly 6wks old.

So far we have £4330 saved - our aim is £10k and to have it by 29/09/09 - OH's 21st birthday.

We are (from this month) putting in £1000 of OHs wages into our savings - He gets £1250 net basic + any overtime. I get £360 Maternity allowance a month and we also get the £80 a month child benefit. We have paid off £1100 of our overdraft and aim to get this to disappear over the months - i am more motivated by putting £££s in a savers than taking £££s off our overdraft in one go so doing it slowly - just feels like ive thrown money away iykwim!

Whats everyone doing to earn a little extra? I am not working as got my baby to look after but paid surveys and the like might be good to get a bit of extra? Also how do you get money from these cashback sites like quidco?

Sarah xxx

43.3% saved 56.7% to go! 177 days til we *should* have our 10k

Welcome to the thread!:D Congrats on the fairly new arrival!

I do paid surveys etc for a bit extra but it's mostly vouchers for rewards, although I redeem the odd cheque from Dooyoo and some of the survey sites do pay in cash. Don't expect a huge amount though!

I don't use Quidco so can't advise there but I'm sure others on the thread will be able to.

before_hollywood

JimLad wrote: »

I forgot about the single person discount! That takes me down to around £90 for council tax That gives me an extra £30 disposable

My £20 for phone includes £11 line rental and £9 on my contract (which i never go over cos i text everyone).

I put £20 for internet as i am a heavy user and download a lot and BT unlimited costs £18.99 per month ( i round up to make it harsher).

£300 a month mortgage! Thats very impressive indeed! Unfortunately i will be a first time buyer so wont be able to get a super rate to begin with

Im sorry everyone for posting my estimated budget on here, i guess its not really the right place

£378, i am a first time buyer but the place i am trying to buy is in a cheap part of the country

happytails

Anyone play the lottery/scratchcards or prefer to save the £1's instead? im in 2 minds about it do i risk it or risk loosing out?

lostinrates

happytails wrote: »

Anyone play the lottery/scratchcards or prefer to save the £1's instead? im in 2 minds about it do i risk it or risk loosing out?

I absolutely do NOT. DH on the other hand sneaks acouple of quid a week from his part of our budget for a scratchcard/lotto ticket. He's an optimist and I'm a pessimist...:D

I refer to take the same money, in 20p pieces and save it, like mad. 20ps build up surprisingly quickly