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  • FIRST POST
    • pinknsparkly
    • By pinknsparkly 15th May 17, 5:08 PM
    • 350Posts
    • 823Thanks
    pinknsparkly
    PinknSparkly's Mortgage Wannabe savings dairy
    • #1
    • 15th May 17, 5:08 PM
    PinknSparkly's Mortgage Wannabe savings dairy 15th May 17 at 5:08 PM
    So this is a savings diary with the intention of getting my husband and I into debt (i.e. a mortgage) as soon as possible

    I am currently finishing up a PhD and as such we won't be in a position to apply for a mortgage until I have been employed for at least 6 months. In addition, I am now at the fun stage of my PhD where I have no income (my bursary/stipend finished in March this year). This puts us in a position where our outgoings are more than our income. We knew this would happen and have pre-planned for it by building up a pot of savings to get us through this.

    My aim therefore, is to use up the minimum possible amount of savings to get us through until I am employed and to then save as much as possible towards a house deposit.

    I estimate that each month we will need to use around 250 - 300 from our savings to cover the short-full in our income.

    Current savings: .................................................. ............38,000

    Property value: .................................................. ............275,000
    Stamp duty: .................................................. .....................3,750
    Other house purchasing expenses: ......................................2,250
    (assuming 1000 legal fees and 1,250 for everything else)

    House deposit:.................................................. ................32,000
    (total savings minus house purchase costs)
    LTV:.................................................. ....................................88%

    As you can see, we're already in the excellent position of having a 10% deposit. However, since we will have a minimum of 6 months of two full time incomes before we can get a mortgage, I hope to be able to get us up to a minimum of a 15% deposit by the time we apply. This is a very ambitious target of saving 10,000 in six months (plus whatever we've spent from our savings in the meantime), but what's the point in aiming low, right??

    What do you guys think of the plan? Do my estimates for house purchasing-related costs seem reasonable?

    In the meantime, I'm doing my best to get back to meal planning and making lunches to reduce our expenses as much as possible. The car is also being used as infrequently as possible to save on petrol (I'm mostly working from home at the moment). We've minimised how much we spend out and about (though my husband still ends up getting food out of the house probably once a week or so). We've also planned for no "proper" holidays this year (other than a week camping in South Wales). I'm going to a conference abroad which will be paid for, so that will satisfy my inner travel bug and my husband is quite happy spending his time off at home.
Page 6
    • savingwannabe
    • By savingwannabe 26th Feb 19, 7:15 PM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    Well done on Bonus on ISA, extra money being sent over and payday. Well done in investing in your car.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 27th Feb 19, 4:09 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Thanks SW - and your post has turned my thread into a six page

    I was telling my husband this morning that my payday is my favourite day of the month (we get paid on different days and all of his income covers our expenses whilst mine goes mostly towards savings). I'm so sad
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • savingwannabe
    • By savingwannabe 28th Feb 19, 7:27 PM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    Not sad, you are vvv smart. Hurrah for payday.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 8th Mar 19, 1:23 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Thanks SW.

    Well this has been an expensive week so far..... We had to call out an emergency plumber on Tuesday evening which cost us 235 - the ball float arm in the downstairs toilet cistern snapped and water was pouring out of the overflow pipe onto the pavement. It turns out that what we thought was the stopcock wasn't, but we did locate the right one in the end and managed to stop the flood (fortunately all outside the house!) but then needed a plumber to come and sort it out so we could actually have running water again in the rest of the house. It's the same story as usual with this house - the previous owners did everything as cheaply as possible. We seem to be pretty much running at a rate of one major breakdown somewhere in the house each month! Unfortunately this wasn't something that could be repaired and in the end the plumber had to disconnect the cistern completely and seal off the pipe and said that we're going to need a whole new cistern. Since we have a second toilet in the upstairs bathroom, we're probably going to go down the route of redoing the toilet earlier than planned rather than doing a repair job now and then redoing it in a few months time. With this coming so soon after the 500-odd bill for my car service and repair, I am so grateful that we're in the fortunate position where we can just go right ahead and pay for the necessary repairs/plumber call out rather than resorting to overdrafts / credit cards /payday loans etc.

    I also managed to lose a 20 note on Tuesday Despite retracing my steps as soon as I noticed it was gone, I didn't manage to find it. I just hope whoever did find it enjoyed it

    On the plus side, my husband brought home a huuuuuuuuuuuuuuge gooey raspberry chocolate brownie thing that was yellow stickered at Tesco yesterday and we ate it for dinner enjoyed it very much! It was so large and gooey and rich that we have the second half left for tonight, which is almost unheard of for us!!
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • pinknsparkly
    • By pinknsparkly 8th Mar 19, 1:35 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    I've just been checking the 2019 challenges I'm signed up for: save 12k in 2019 and MFW 2019 (for which I'm aiming for 6000). I am currently in first place and closest to my goal out of everyone taking part for the save 12k in 2019 challenge, at 52.42% of the way towards my goal already However, in comparison I am quite a long way towards the back of the field in the MFW2019 challenge, at only 10.3% towards my goal.... This will start to equal out once I've filled up my husbands LISA in April and then start concentrating on building up our mortgage "OPs" in S&S ISAs.
    Last edited by pinknsparkly; 08-03-2019 at 1:37 PM.
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • Skint yet Again
    • By Skint yet Again 10th Mar 19, 5:33 AM
    • 3,582 Posts
    • 19,238 Thanks
    Skint yet Again
    Bad news about the repairs Pink (and losing 20 ) but you have done well to be able to pay from savings. Chocolate gooey brownie thing sounds delish
    Balance 0% credit card to pay 1360 898
    Emergency fund 0/500
    • savingwannabe
    • By savingwannabe 10th Mar 19, 8:19 AM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    Pinky, yikes to the loo and the cost of repairs. Make sure you have insurance for emergencies as it sounds like you will need it. I also had similar issues when I moved in, everything was falling apart and the pipes burst all the time! It was awful but it all got repaired and now everything is ok. Hang in there ok and enjoy all the nice things.

    Well done on savings challenges. That is something to look forward to. It is v blustery here. Hope you have ok weather by you.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 7th Apr 19, 11:45 AM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Thanks both! I'm not sure I want to confess to this, but the loo is still out of order..... We'd decided it wasn't particularly urgent (as we've got an upstairs bathroom) and so it could wait until MY PHD CORRECTIONS WERE SUBMITTED The last month has consisted of zero sleep (hence my complete absence from here) and ridiculous amounts of stress and panicking but it's done!!!!



    Now, however, there is a lot of house stuff that needs sorting that I no longer have an excuse to avoid We're heading off to a new super fancy looking store (Barker and Stonehouse) that's opened near us to hunt for inspiration for what to do with our house. We know the practicalities of what needs doing but neither of us have an artistic bone or interior design imagination in our body so need some help! The garden revamp is booked for the week after Easter weekend which I can't wait for - I'm very much looking forward to sitting out there with a glass of something and a book in the summer evenings.



    On a (positive) financial note, I've also opened up a S&S LISA for my husband and filled that up. I'll also be topping mine up as soon as I can, but probably won't be able to do that until after we've paid for the garden (the money for the garden is in a passbook account with Nationwide and I'm not sure when we'll have time to get into town to withdraw the money!). I'm also starting to make plans for our honeymoon (only 2 years late so far...!), we're going to go on safari which is going to be ridiculously spendy (less positive financial note!), but will be such an amazing experience! We're looking at going to South Africa in either this September (if we can get the time off work) or next May as May - Sep is the recommended time of year to go.
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • savingwannabe
    • By savingwannabe 8th Apr 19, 4:14 PM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    I posted last night but it has disappeared. Well done on corrections on your PhD. We should rename you Dr Pinknsparkly. Sorry about the loo but the garden work sounds great. May I ask what you are doing to it? Well done on the savings and your holiday to South Africa sounds amazing.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 8th Apr 19, 5:32 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Thanks SW. I've actually not heard a peep from the university since submitting it.... I emailed them today to check whether that's normal or not and, naturally, the lady is on holiday!

    I'm not actually 100% sure what the garden will be - I basically dumped the responsibility for that on my husband and retreated to the spare room to spend every minute I had panicking about my thesis From the initial discussions that I was involved in, I believe we're still going to have decking across about half the garden (it's a rather small garden) with a small shed for storing bikes and a BBQ (the current shed takes up a stupid amount of the garden and is basically just full of junk from the previous owners!). Then the lower level (the garden slopes up from the house and the previous owners built it up into two flat levels which we'll keep due to the cost and effort required get rid of it all) will be a combination of (I think!) either paving or gravel and fake grass with a raised flowerbed down the side. I was pretty dubious about fake grass but the landscaper was raving about it and has managed to convince my husband.... The levels will be edged with railway sleepers which I'm looking forward to as the brick edging we currently have is crumbling away and looks terrible! They'll also be removing the small brick wall at the front of the house whilst we have the skip as the local kids like to sit on and against it and it's now so wobbly that it's going to fall down any day (we've already had to knock one side down as it was about to fall over!). We've also bought a huge but pretty plant pot as our cat uses a wicker container in the garden as a toilet and it's completely falling to bits so will have to go when the garden is done but I want to try and discourage him from pooping in other peoples gardens!!

    We checked out toilets yesterday (such a glam life) and are going to try and get a plumber in to install one before the garden is done so the gardeners don't have to traipse mud all the way up the stairs to use the loo! We also discovered that we're both complete short arses (no surprise) and the seats on almost all sofas are too deep for us so we end up sat there with our feet hanging down like toddlers
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • savingwannabe
    • By savingwannabe 8th Apr 19, 5:46 PM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    I love hearing about the garden. It sounds like it is going to take some time but it will be worth it in the end. It's a good idea to sort out the downstairs loo so that they don't mess up your house.

    Enjoy the peace now your thesis is over. I have never had the discipline to write one as I have never thought of a topic I loved enough. I do admire you for doing it. Make sure you celebrate.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 13th Apr 19, 4:56 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Thanks SW. I checked with the university this week and they confirmed that the system has been updated to show that I've submitted and that it could take up to 90 days from submission to hear back from my examiners. I always said I'd never ever do a PhD either (I did a four year degree followed by a 4 year graduate training programme which involved another masters degree) but somehow this one came up that was EXACTLY what I was interested in. If you're not super enthusiastic about the subject at the start then I can't even begin to imagine how tough it would be to complete, after that many years of getting sick to the back teeth of the topic It still doesn't feel real and as I'm involved in a big project at work that is winding up in the next month or so I'm still super busy. Hopefully once I hear the outcome, it'll feel a little more real. I am, however, finally starting to feel slightly less anxious all the time which is a start!!

    I'm really really really looking forward to the new garden. We've just found out that we can't have the skip where the gardener wanted it (it's too close to a junction) so my husband is going to have to go back and discuss with the gardener the two alternative options. We're thinking along the same lines as you SW, and are planning on getting a plumber in on the same day the gardener starts (we're not around between now and then to get it done in advance) to make sure we've got a downstairs loo for them to use. It's tiled floors all the way from the garden to the downstairs loo so shouldn't be too much of a cleanup whereas using the upstairs bathroom means mud ground into the carpets on the stairs and hallway!
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • Skint yet Again
    • By Skint yet Again 13th Apr 19, 10:27 PM
    • 3,582 Posts
    • 19,238 Thanks
    Skint yet Again
    Bad news about the skip Pink, hope you can sort a suitable alternative. Hope you get the loo fixed less mess in the house can only be a good thing !
    Balance 0% credit card to pay 1360 898
    Emergency fund 0/500
    • pinknsparkly
    • By pinknsparkly 29th Apr 19, 7:03 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    We got back from our hols on Saturday, and picked up a new loo on the drive back from the airport (as you do!). I had no idea there were so many choices when it came to loos, and THEY ALL LOOK PRACTICALLY IDENTICAL. We opted for the cheapest one - we were tossing between that and the second cheapest that has a slightly smaller cistern but the cheaper one had a 10 year warranty whereas the more expensive one only had 1 year. Exactly what they think I might be doing to my loo to require using the warranty I'm not sure, but there we go

    We had a mostly lovely time, though I spent quite a lot of it in a lot of pain. I did previously think that stress exacerbated the pain, but this holiday proved once and for all that low stress situations can also trigger it!! I've not cried in pain in a long time, but I was bawling at one point I've got a follow up appointment with the hospital consultant on 17th May and a new patient appointment with my new GP on 22nd May (my previous GP were completely useless, when I was in complete agony and needed painkillers, the earliest emergency appointment they could give me was in three weeks time and they have on numerous occasions lost my repeat prescriptions and refused to write replacement ones as they've "already written them"). So I'm hoping that between the two of them, we can finally come up with a plan of action. I first/last saw the hospital consultant on 1st Feb who wanted me to try something that I knew from experience wouldn't work, and indeed has actually made the pain even worse but hopefully, having tried his plan, we can try something else that may actually work (I'm pushing for laparoscopic surgery as I had it 5 years ago and really helped but he was reluctant to refer me for it at the time which I understand as the surgery is never going to be curative, it is simply a means of reducing the problem until it grows back and so in a sense it could be regarded as sub-optimal use of NHS funds).

    Tomorrow, our garden revamp gets started My husband has the rest of this week booked as either annual leave or working from home days. We got the skip issue sorted in the end - we've ended up going for a man with a flatbed truck who will drive up and away on the day and so he can park where the gardener wanted the skip to go. It was the gardener's suggestion, and works out around 100 cheaper than the skip option so is a double win really! The plumber is also booked to install the loo first thing tomorrow morning, hopefully that will be done before the gardeners first need a wee! It does rather mean that our savings have taken a bit of a beating - no money will be saved this payday and some will have to come out of savings, but it was all planned for so isn't a problem as such. I just feel weird about not putting anything into savings/mortgage OPs this month!!
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • savingwannabe
    • By savingwannabe 29th Apr 19, 8:20 PM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    Pinky hurrah to new loo and finding a nice man to fit it. I am glad you got away on a holiday but so sorry about the illness. It's weird how they show up when we think we are relaxed in the holidays. It just tells us how fast paced work is now.

    I do hope you are feeling better. It sounds blooming painful. Hopefully once the stress of the garden renovations is over you will have an oasis of calm whenever you view or visit the garden and this will help. Spending your money on the garden isn't a negative cost it's an investment and it will reap its rewards in the decades to come. Onwards and upwards my friend.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 30th Apr 19, 8:53 AM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Thanks SW. I really, really, really can't wait to have a usable garden again! I've been mentally planning my evenings sat out there with a gin and soda and a good book in the sunshine! The gardeners started at 7.30 and the plumber was due at 9am so my husband has been sending me photographic updates for the past two hours. It's quite incredible how much they can get done with the proper power tools (as opposed to cutting down a tree with a handsaw as I did the summer before last!!). The cat looks fairly forlorn at losing his tree though (that's how he gets in and out of the garden) but he also runs vertically up and down the fences too so he'll figure it out! And you're right, it's absolutely worth the money for the rewards it will bring. The money we're using is part of an inheritance from my grandparents and I wanted to use the money on "something" as opposed to it being spent here and there on random little things. We still have more work to do to the house that we will use the inheritance for.

    I'm doing a little better pain-wise the past few days, but unfortunately it's not something that will go away without some sort of medical intervention
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • Skint yet Again
    • By Skint yet Again 30th Apr 19, 9:48 PM
    • 3,582 Posts
    • 19,238 Thanks
    Skint yet Again
    Well done on putting your inheritance to good use Pink, I'm sure your grandparents would be pleased and you will have a lovely garden. Hope you are feeling better and the docs can sort it for you.
    Balance 0% credit card to pay 1360 898
    Emergency fund 0/500
    • pinknsparkly
    • By pinknsparkly 2nd May 19, 8:59 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Thanks Skinty!

    This morning I made a teeny tiny mortgage OP of 13-odd from interest, tilly tidying and TopCashBack and it's knocked another month off our mortgage length, taking a total of 15 months off our mortgage. It's still got 33.5 years to run though which is longer than most people start with More excitingly, I calculated our LTV for when the fixed rate is up (Feb 2024), and if we make no further mortgage overpayments than the 12-odd we do through making a round 750 DD payment each month AND our house value stays exactly the same as Halifax valued it at when we took out the mortgage (so hopefully a worst case scenario), then we'll have just crossed the border into sub-60% LTV territory for the cheapest mortgages we can get our mitts on. I'm stupidly proud of us for managing to achieve this so soon! It's amazing how much difference small OPs make in terms of reducing the outstanding mortgage, but nevertheless whilst mortgage rates are so low I am still determined to invest the majority of our savings into S&Ss rather than mortgage OPs.
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
    • savingwannabe
    • By savingwannabe 4th May 19, 12:31 PM
    • 13,973 Posts
    • 47,479 Thanks
    savingwannabe
    Well done on being so smart. It is great that you are so switched on. I hope you are having a good weekend.
    Christmas Fund 148
    Reminder: June Spending on fleabay 6.99
    • pinknsparkly
    • By pinknsparkly 21st May 19, 4:57 PM
    • 350 Posts
    • 823 Thanks
    pinknsparkly
    Well this month has flown by since I last posted! I was abroad for the best part of a week for a meeting, and managed to badly sprain my ankle on the second to last day so have been limping around feeling sorry for myself ever since! Our garden has been done and looks lovely, if still a little bare (We've covered the flowerbeds with plastic sheeting for a few weeks while we persuade the cat to use his new plant pot toilet rather than the flowerbed, time will tell how successful that turns out to be but we figured it's worth a try!!). The artificial grass is way better than I was expecting and is so lovely and soft that we seem to end up sitting on that more often than the new garden chairs! We bought the chairs from tesco at the weekend and my husband was sat in one, trying it out for size, in the middle of the aisle while shoppers were wandering round buying their milk and bread I think we'll pop back for a couple more though as, with hindsight, we'd rather have six new ones and use dining chairs if we have LOADS of people round rather than four new ones and four rather grim looking white plastic ones.....

    I've opened us both our first S&S ISA (though we both have a S&S LISA already) this week and have put a grand total of 2 in each of them (they wouldn't let me only add 1!). My plan is to pay into one of them each month, alternating the one I pay into as I've opened a fixed fee account rather than % fee so this way we only pay one 5 fee each month.

    I had an appointment at the hospital last week and am being referred for surgery which is amazing news and exactly what I wanted - as my sister said "I don't think I've ever heard anyone be so excited to be cut open before". I can't wait to be pain-free again, or at least reduce the pain levels to a manageable one! I've got my new patient appointment with my new GP practice tomorrow too. I just know I'm going to forget to take a wee sample with me

    Hope everyone is good and enjoying the GORGEOUS weather we've got going on at the moment
    MFW 2019 challenge #99: 6,325.45 / 6,000
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 6,325.45 / 30,000
    Save 12k in 2019 challenge #99: 10,325.45 / 30,000
    2019 keep moving challenge: 232 / 1000 miles
    Last updated: 06/06/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Oct 2052
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