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    • Ladykernow
    • By Ladykernow 27th Nov 16, 7:31 PM
    • 276Posts
    • 1,156Thanks
    Ladykernow
    Lady K's savings diary
    • #1
    • 27th Nov 16, 7:31 PM
    Lady K's savings diary 27th Nov 16 at 7:31 PM
    I wanted to get my saving thoughts and ideas down somewhere and thought this would be the great place to do it. I hope you all don't mind!

    I'm 27, I moved out to live with my partner just over a year ago. I started a degree with the OU and I also changed jobs from being a carer to working in an opticians. Although the wage wasn't too bad where I worked, after 8 years in care I wanted to do something different and took the opportunity to try something different, even if it meant less money.

    My partner makes around 26,000, I make around 15,000 before tax.

    My partner showed me how to put together my own excel spreadsheet for this years money. I spent a whopping 12000 just this year. This does include all the things I have to spend money on, rent, bills, car, shopping.

    Today I found out I have 5 to last me until payday.

    So, I am stuck cash wise for a bit.

    The savings I will be making:
    I will be going to the bank and getting rid of the account where I pay 10 a month. 10
    As of October, I stopped buying contacts on the contact lens reward scheme. I wasn't wearing them that much and now wearing glasses in my new job was easier than working in care! 15.50

    My goal for 2017 is to save 2000. A small amount I know, but if I set little goals I might hit them quicker! I also have another small goal, which is to find a job where I earn slightly more. But I need some confidence before I do that!

    Lady K
    Last edited by Ladykernow; 27-11-2016 at 7:34 PM.
Page 4
    • Ladykernow
    • By Ladykernow 5th Jan 19, 9:09 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    I'm on day 5 of the no spend challenge. Although our kettle did die this morning.

    The no spend challenge isn't just about spending no money. I've decided to try and spend my time wisely too. Many a nights I've spent in front of the TV, when I could be doing something else. I'm also trying to limit social media, mainly because it's like falling down a rabbit hole.

    Last night I watched a documentary whilst exercising on the cross trainer.
    Tonight I watched one episode of family guy over tea, and then cracked on with my assignment.
    It feels so much better to just get on with something than spend it doing nothing.

    Have a good weekend!
    • pinknsparkly
    • By pinknsparkly 5th Jan 19, 9:38 PM
    • 433 Posts
    • 933 Thanks
    pinknsparkly
    That's fab news LadyK! I'm just as guilty at wasting sooooo many hours with nothing to show for then, particularly when I have something I know I need to be doing!! Like today..... I promised myself I'd be up at 8am and get a good amount of work done. I didn't sit down at my laptop until about 1pm and then proceeded to do anything BUT work on it However, tomorrow is another day!! Enjoy the rest of your weekend
    MFW 2019 challenge #99: 8174 / 6,000 (4671 is in "offset" pot)
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 7483 / 30,000
    Save 12k in 2019 challenge #99: 21,357 / 12,000
    2019 keep moving challenge: 469 / 1000 miles
    Last updated: 10/10/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Jun 2052
    • Skint yet Again
    • By Skint yet Again 6th Jan 19, 7:02 AM
    • 3,701 Posts
    • 19,371 Thanks
    Skint yet Again
    I had to get a new kettle this week and bought one in lidl for 15.99. Its light, not too noisy and not too long to boil, so good basic kettle for my needs. Have never bought electricals in lidl / aldi so time will tell I guess but am more than happy with it so far for the price
    Balance 0% credit card 1360 648
    0% Car Loan 7500 balance to pay 1/10/19 160 1/11/19 160 1/12/19 160 finishes 1/1/2020 140.
    Emergency fund 100
    • Dizzy Ditzy
    • By Dizzy Ditzy 6th Jan 19, 2:40 PM
    • 17,112 Posts
    • 283,824 Thanks
    Dizzy Ditzy
    I love the first drink from a new kettle! It tastes so fresh

    I wouldn't be without my kettle. It's a temperature control one so I make my tea at 85 degrees - means I can drink it quicker in the mornings when I'm rushing about trying to get ready for work

    I've never had any problems with electrical system I've bought in either aldi or lidl
    I'm a board guide on Quick Grabbit while you can, Marriage, Relationships and Families, Health & Beauty Moneysaving, Greenfingered Moneysaving, Praise, Vents and Warnings, Consumer Rights and Sports & Fitness Moneysaving boards.

    I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are purely my own and are not those of Moneysavingexpert.com. I am a board guide and not a moderator do not read every post. If you spot an iffy post please report it to forumteam@moneysavingexpert.com




    Biggest aim of this year - hope that my terminally ill brother sees Christmas and 2020
    • savingwannabe
    • By savingwannabe 6th Jan 19, 3:46 PM
    • 14,216 Posts
    • 47,680 Thanks
    savingwannabe
    Good luck with Kettle buying hopefully you can get one in the sales. My best kettle was the cheapest. All the fancy expensive ones I get don't seem to last the course. This reminds me I need a cup of tea
    Christmas Fund 248 No spend month?
    • Ladykernow
    • By Ladykernow 6th Jan 19, 7:00 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    Mr Kernow (We aren't married, it's just easier to put this) said it was about 20, so I owe him half for the new kettle.

    Dizzy Ditzy gotta love the first cup!

    pinknsparkly It's all about switching the TV off and thinking 'if you don't do it today, there's more to do tomorrow'. Saying that, i've got a ton of housework that's to be done! But I did go to work today until 4 and finished my assignment and sent it off.
    • Ladykernow
    • By Ladykernow 7th Jan 19, 6:18 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    A little bit sad today. I've settled my finances for the last two months with Mr. Kernow. Now 231 out of pocket. We travel down to Cornwall/Devon to see family over xmas so that's why the spending is slightly higher. Plus bills. We always split everything, but recently i've been struggling to pay things back. Now I really need to stick to the no spend challenge. On a positive note, I didn't spend any money this week. I could have bought lunch, but i've been good.

    I've decided that i'll try and take over on the shopping this time, or go with him. He does take a list but I sometimes wonder what he has spent money on.

    I've found a very handy site if anyone is interested.
    https://www.moneyadviceservice.org.uk/en/tools/budget-planner

    Also, 89 days until our LISA matures!
    • pinknsparkly
    • By pinknsparkly 8th Jan 19, 2:36 PM
    • 433 Posts
    • 933 Thanks
    pinknsparkly
    I have a similar issue with my husband, LadyK - he's not really a spendthrift but somehow always manages to spend twice as much in a supermarket as I would manage, every single time!

    Might it be worth trying to figure out a mutual budget together? I've downloaded, but not got round to using, an app called GoodBudget - I chose this one in particular because you can have two users on one account so you can both have the app on your phone. The free version seems to have a fairly limited number of categories/pots that you can set up. My plan when I was searching for it was for the two of us to start using it but never got round to it..... I guess that's another thing to put on my to-do list to consider for 2019.

    Exciting times on the LISA - we had a similar situation of counting down the days until we could use it!! Also, in case you're not aware, Skipton require a 30 day notice period in advance of when you want the money. I'm not sure if Nottingham are the same. But when you do find a property, make sure that you send the completed forms to your solicitors right at the start (if, worst case scenario, the sale falls through then the money will either not be sent to your solicitors or, if it's already turned up there, sent back to your LISA). Also, find out if your solicitor will charge for processing the LISA. Our solicitors charged 250 for processing HTB ISAs (per ISA, so if you both had one it would be 500!!) but had never done a LISA before so didn't charge us. Other people I know haven't been charged a fee either, or have been charged a nominal fee.
    MFW 2019 challenge #99: 8174 / 6,000 (4671 is in "offset" pot)
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 7483 / 30,000
    Save 12k in 2019 challenge #99: 21,357 / 12,000
    2019 keep moving challenge: 469 / 1000 miles
    Last updated: 10/10/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Jun 2052
    • Ladykernow
    • By Ladykernow 26th Jan 19, 7:18 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    My partner and I are first time buyers and we went for an appointment to talk to a sales rep at one of the nearest to us. One of the sales reps said take a look around the show home (Not the one we were planning on). We went back in, and she didn't seem that interested in talking to us. We had looked at ones up to 300,000 and she then asked 'What can you actually afford?'. We said the price limit, and proceeded to tell us all the properties were 300k+. So we said, actually, one of them is 284k. She looked over to the other sales rep, I think the manager, and she replied 'Yes! We do.' She then came over and just mentioned the plots etc and told us there's a show home the next two towns over.

    We did go there and view it. We really liked the layout. The sales person there was lovely! A far cry from the other branch. I'm 29 and Mr Kernow is 25, we look young, and I kind of feel that was why she didn't seem that interested in helping us. Anyway, that's my moan for today!
    • savingwannabe
    • By savingwannabe 26th Jan 19, 9:14 PM
    • 14,216 Posts
    • 47,680 Thanks
    savingwannabe
    What a horrid sales rep. Well their rudeness will be affecting their commission and salary I am sure!
    Christmas Fund 248 No spend month?
    • Ladykernow
    • By Ladykernow 15th Feb 19, 5:58 PM
    • 276 Posts
    • 1,156 Thanks
    Ladykernow
    On the 2nd of February we did go back to that new building development as we can afford it with the help to buy loan, and put down a reservation fee. The first week we got everything together. We have found a mortgage and waiting on the solicitor. Much cheaper than what we pay for our rent. Although I know there is going to be so much more to pay!

    The house should be ready either May, June or July. We are hoping for July as we are kind of tied in at the moment with our rented place.

    But after all these years hoping, we will finally be on the property ladder!

    We are looking at the flooring options tomorrow. So looking forward to that!
    • Kittikins
    • By Kittikins 16th Feb 19, 4:11 PM
    • 5,179 Posts
    • 44,359 Thanks
    Kittikins
    Wow! Exciting times ahead, I hope it all goes smoothly for you Mortgages are so much cheaper than rent, in my experience; although KW and I are in a shared ownership house, so paying both, but only 25 a month more for a big 2 bedroom house with garden and 2 parking spaces than he was paying for a 1 bedroom dump of a flat!
    • truffy
    • By truffy 24th Feb 19, 5:28 PM
    • 8 Posts
    • 2 Thanks
    truffy
    Not ready to share saving goals, but maybe I will, there is definitely a fear in numbers people just never seem to want to look at them, writing them down means I can see them, and once they're in front of me maybe can start doing something about them, thanks folks,

    Jeremy
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