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  • FIRST POST
    • mumof3.12kindebt
    • By mumof3.12kindebt 23rd Oct 17, 9:38 PM
    • 358Posts
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    mumof3.12kindebt
    Best put on my big girl pants! my saving for a deposit diary
    • #1
    • 23rd Oct 17, 9:38 PM
    Best put on my big girl pants! my saving for a deposit diary 23rd Oct 17 at 9:38 PM
    My diary to debt free and saving for a deposit by 35 .*updated feb 2018 - aim to be homeowners by if not hopefully before 30*

    we aim to save 25k before even going to the bank for a dip

    current age 25 . current financal status . trying but not trying hard enough . in debt with hardly a pot to wee in ... it has to change ... from today

    we have consolidated our debts as of November so will just do an update regarding extra payments and a remaining balance every few months.

    for the most part this will be my diary on saving for a deposit the highs lows and raising 3 children all currently 8yo or younger while doing it .
    Last edited by mumof3.12kindebt; 25-02-2018 at 10:13 PM.
Page 5
    • mumof3.12kindebt
    • By mumof3.12kindebt 30th Dec 17, 10:49 PM
    • 358 Posts
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    mumof3.12kindebt
    thankyou both for taking the time to reply. I hope you both have a lovely 2018
    I'm going to give the quitting smoking my best attempt. I've been a smoker since I was 15 Bar pregnancies so it wont be easy. And although I'll be glad to no longer need to smoke and I'll save a small fortune it's nights like tonight at work where I was left nothing to do for 20 Mins at a time a smoking break to help kill the time was great.

    I'm going to carry on saving as much as possible over the next few months.
    Few questions if anyone is able to help.

    Have they brought in the thing for no stamp duty yet for first time buyers. ? If not is it based on the full market value of a property Or would we not be liable to pay it if we did a part buy for 100k for example with a property value of 220k could someone clarify for me how it works. I'm very tired and google is confusing me.
    Also how much are we looking at in solicitor fees and other essential moving costs. We don't have a Chain as are ftbers moving to another empty property if we do the part buy.
    We won't need to hire a van so that's one cost saved. We would need Carpet if we were to buy a new build but happy to leave it until all other costs have been paid before spending out on carpet. Etc

    Just trying to work out if 4k after the deposit will be enough as to weather the part buy would be doable for us or not
    Thankyou
    • mumof3.12kindebt
    • By mumof3.12kindebt 30th Dec 17, 10:59 PM
    • 358 Posts
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    mumof3.12kindebt
    Regarding stamp duty I've managed to find the answer. We won't need to budget for that as we would be exempt from paying it as the property would be less than 300k and we are both first time buyers so that's one massive saving for us
    • mumof3.12kindebt
    • By mumof3.12kindebt 31st Dec 17, 3:58 PM
    • 358 Posts
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    mumof3.12kindebt
    Today is a nsd.
    Tomorrow is the first day of 2018 . ! Tonight I'm going to just chill with my family. Awaiting to see the new year in.
    Tomorrow I'm hoping to take the Dec's down. If partner agrees
    • mumof3.12kindebt
    • By mumof3.12kindebt 1st Jan 18, 3:24 PM
    • 358 Posts
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    mumof3.12kindebt
    today we took a rare trip into town.

    We brought a carseat for middle son for when he exceeds the weight limit in his current one. We got it in the sale and paid using a gift card so only had to add 5 cash to it

    We traded in some old games to cex making 15 to add to the house fund

    I used my boots clubcard points to buy the baby a training cup so no money spent there.

    I used my boots voucher to stock up on nappies adding an extra 3 cash.

    We did a food shop for 38

    Total cash spend today 46 before vouchers 96 plus 15 extra cash in the savings box

    Overall a good day and the 46 spent is within our budgeted expenses
    • mumof3.12kindebt
    • By mumof3.12kindebt 1st Jan 18, 3:25 PM
    • 358 Posts
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    mumof3.12kindebt
    Oh I also got youngest some leggings in the sale with a voucher she had for Xmas so a no spend there and still 20 left on her gift card for when she needs something else
    • mumof3.12kindebt
    • By mumof3.12kindebt 1st Jan 18, 3:28 PM
    • 358 Posts
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    mumof3.12kindebt
    oh I almost forgot we spent 1 in parking. Making today's total spend 47
    • Tahlullah
    • By Tahlullah 1st Jan 18, 9:20 PM
    • 871 Posts
    • 4,876 Thanks
    Tahlullah
    The parking was cheap! All good with your plans going forward and with controlling the spending.

    Tx
    Striving to be mortgage free.
    2018 MFW #135

    600 of 2000
    • mumof3.12kindebt
    • By mumof3.12kindebt 1st Jan 18, 11:16 PM
    • 358 Posts
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    mumof3.12kindebt
    It was Sunday rates At one of the carparks so 1 all day it's normally 0.90p - 1.20 an hour in our city depending on where you park x
    • mumof3.12kindebt
    • By mumof3.12kindebt 2nd Jan 18, 5:14 PM
    • 358 Posts
    • 972 Thanks
    mumof3.12kindebt
    Managed to bag myself 3 extra shifts at work between now and the 21st of January

    Cleaned the car out yesterday

    Waiting for my course to be marked.
    Hoping my manager can find out what level nvq I'll be starting before the end of the month

    Used my vape. So far so good.

    Banging headache so easy tea tonight early night as work again tomorrow
    • mumof3.12kindebt
    • By mumof3.12kindebt 2nd Jan 18, 5:41 PM
    • 358 Posts
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    mumof3.12kindebt
    Oh and today was a NSD

    Grandmas visited us

    I'm working tomorrow
    Friday and Saturday
    Ds1 has a party to go to Saturday night so will put some money in a card for that.
    Sunday is the pantomime paid for by my grandma (something she has arranged and paid for since I was a baby)

    I'm going to try and sell some of my much loved and pretty shoes to try and get our savings to 4000 by the first week in February. Currently sat at 2400

    Aiming to save 1200 which should be spare after all budgeted money is transferred
    Plus. 150-.200 in overtime

    So need to make around 250 this month selling the few things we have left to sell.

    That will give us 4000 by February
    5200 by March
    6400 .by April
    7600 by May
    8800 by June
    10000 by July
    + any overtime from 1st February onwards.

    Now I can see its achieveable let's do this!

    I just hope the houses don't go up for sale before we have the money to commit. Please keep your fingers crossed for us!
    • mumof3.12kindebt
    • By mumof3.12kindebt 3rd Jan 18, 6:12 PM
    • 358 Posts
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    mumof3.12kindebt
    NSD today!

    EBay listing tomorrow

    Eldest back at school tomorrow and second born back to nursery
    Work Friday and Saturday

    Need to update my list for January which I'll do now
    • mumof3.12kindebt
    • By mumof3.12kindebt 3rd Jan 18, 6:21 PM
    • 358 Posts
    • 972 Thanks
    mumof3.12kindebt
    January goals
    1 ~ have 20 nsds 2 so far
    2 ~ save 1300
    3 ~ stick to budget so far achieved
    4 ~ paint hallway
    5 ~ sort bedroom
    6 ~ declutter my clothes
    7 ~ declutter dds clothes
    8 ~ have 5 family days / afternoons out
    9 ~ no smoking january so far so good
    10 ~ no TV for me -so far achieved
    11 ~ take Christmas Decs down
    12 ~ log all spends in January so far so good
    13 ~ try to gain 2 extra shifts at work.
    14 ~ sort wardrobe and get rid
    15 ~ get rid of my Chest of drawers and my bed side table
    16 ~ empty car / clean car
    17 ~ sort kitchen
    18 ~ sort kids toys
    19 ~ keep the place tidy and as clutter free and organized as possible.
    20 ~ dentist appointment
    21 ~ sort out about paying school fees
    22 ~ pay school fees
    23 ~ compare and swap broadband
    24 ~ cancel now TV
    25 ~ finish my book!
    26 ~ have a store cupboard week (don't go food shopping for a week)
    27 ~ make 250
    • mumof3.12kindebt
    • By mumof3.12kindebt 3rd Jan 18, 11:56 PM
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    mumof3.12kindebt
    Tomorrow. Sort school fees.
    Pay catalogue
    Book dentist appointment
    Pick up prescription from doctors
    EBay listing
    Hoover / mop
    Swimming lesson (already paid for)
    • mumof3.12kindebt
    • By mumof3.12kindebt 4th Jan 18, 10:04 AM
    • 358 Posts
    • 972 Thanks
    mumof3.12kindebt
    January goals
    1 ~ have 20 nsds 2 so far
    2 ~ save 1300
    3 ~ stick to budget so far achieved
    4 ~ paint hallway
    5 ~ sort bedroom
    6 ~ declutter my clothes
    7 ~ declutter dds clothes
    8 ~ have 5 family days / afternoons out
    9 ~ no smoking january so far so good
    10 ~ no TV for me -so far achieved
    11 ~ take Christmas Decs down
    12 ~ log all spends in January so far so good
    13 ~ try to gain 2 extra shifts at work.
    14 ~ sort wardrobe and get rid
    15 ~ get rid of my Chest of drawers and my bed side table
    16 ~ empty car / clean car
    17 ~ sort kitchen
    18 ~ sort kids toys
    19 ~ keep the place tidy and as clutter free and organized as possible.
    20 ~ dentist appointment
    21 ~ sort out about paying school fees
    22 ~ pay school fees

    23 ~ compare and swap broadband
    24 ~ cancel now TV
    25 ~ finish my book!
    26 ~ have a store cupboard week (don't go food shopping for a week)
    27 ~ make 250
    • mumof3.12kindebt
    • By mumof3.12kindebt 4th Jan 18, 10:08 AM
    • 358 Posts
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    mumof3.12kindebt
    Tomorrow.
    Sort school fees. !!!9989;
    Pay catalogue !!!9989;
    Book dentist appointment
    Pick up prescription from doctors
    EBay listing
    Hoover / mop
    Swimming lesson (already paid for)
    • mumof3.12kindebt
    • By mumof3.12kindebt 4th Jan 18, 4:49 PM
    • 358 Posts
    • 972 Thanks
    mumof3.12kindebt
    Nothing spent today outside of budgeted bills.

    Swimming later then I'm going to take the Xmas tree down tonight and may start painting the hall.
    • mumof3.12kindebt
    • By mumof3.12kindebt 4th Jan 18, 10:11 PM
    • 358 Posts
    • 972 Thanks
    mumof3.12kindebt
    currently sat watching paint dry.
    On the plus side I already had the paint so a no spend and it gets something else crossed off my list although at this rate I'll be finished at Christmas. Going from bright red back to magnolia so when we do eventually move it's easier to touch up before we leave
    • mumof3.12kindebt
    • By mumof3.12kindebt 6th Jan 18, 3:49 PM
    • 358 Posts
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    mumof3.12kindebt
    Yesterday we ended up doing another food shop. 31 spent.

    Today 5 spent to put in a card for sons friend as he's been invited to his party this evening.

    Tea is cooking to stop us being tempted to buy takeout on the way home from the party.

    I'm full of cold and lacking energy after working yesterday evening until 10pm and going back in at 8am this morning. So tonight I'm going to have a bath and relax with my book or get an early night.

    Back in work Monday. Tomorrow we have the pantomime.
    • debtaghh
    • By debtaghh 6th Jan 18, 3:57 PM
    • 1,266 Posts
    • 4,805 Thanks
    debtaghh
    Hope you feel better and enjoy the pantomime.
    Debt 16th October 2017: Cc 49,987- family 37,561: total debt 87549

    Current debt: Cc 43,953 , Family 39,264 total debt 83,217

    Frugal living challenge # 10- 8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • mumof3.12kindebt
    • By mumof3.12kindebt 8th Jan 18, 10:58 PM
    • 358 Posts
    • 972 Thanks
    mumof3.12kindebt
    Thank you. I seem to have a bad cold. head hurts. full of cold chesty bad cough. not back in work now till Wednesday afternoon and then off till the weekend as its ds1s birthday on Friday.

    So I'm going to just keep on top of the house. And stay at home other than work and a food shop. As I felt rotten the other day so just got Some of what was on the list.

    On the upside. I've been noting Our spends daily. And I've listed a few items for sale. Providing they sell and I do all my overtime set this month I still hit our 4k target but we will see how the selling goes.

    Ds1 is having a tea party and movie night at Home with a few friends and family for his birthday so nice and cheap. And was what he requested.

    I finished work at ten tonight. I'm off to bed now as I'm still feeling very tired. I hope I feel better soon

    5.25 spent today at Sains. Milk. Lacto milk weetabix and a tin of beans.
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