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  • FIRST POST
    • Dizzy Ditzy
    • By Dizzy Ditzy 1st Jun 18, 8:08 AM
    • 17,112Posts
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    Dizzy Ditzy
    Saving for my first bricks and mortar...
    • #1
    • 1st Jun 18, 8:08 AM
    Saving for my first bricks and mortar... 1st Jun 18 at 8:08 AM
    Hi everyone!

    I've been having a little read of other people's stories on here so thought I'd start my own, hoping it'll keep me on track

    About me. I'm early 40's and have been renting forever. We have been very lucky with the landlord and not had a rent increase for 10 years, until now. He wanted to increase our rent by half again I worked out how much rent we'd paid to him over the years and was , and I realised that I could be paying that on my own house. That's how I ended up here!

    I earn below the national average and live in one of the most expensive cities outside of London for house prices. I'm able to put away between £200-£250 a month at the mo but that should change in my favour in the next month or so, to put more away. I've a HTB ISA and "high" interest saving account and a pot at home for odd coins.

    I've a very long way to go on this so thought that keeping a diary here might help keep me focused when I find it difficult
    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
Page 1
    • savingwannabe
    • By savingwannabe 1st Jun 18, 8:15 AM
    • 14,216 Posts
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    savingwannabe
    • #2
    • 1st Jun 18, 8:15 AM
    • #2
    • 1st Jun 18, 8:15 AM
    Hello Dizzy, you will fit right in. We have the loveliest people on here so you are v welcome!!!! This diary is helping me to keep on track too. Knowing other people are in it with us is v inspiring and usually prevents me from being silly and overspending. Have a good day.
    Christmas Fund £248 No spend month?
    • Dizzy Ditzy
    • By Dizzy Ditzy 1st Jun 18, 11:58 AM
    • 17,112 Posts
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    Dizzy Ditzy
    • #3
    • 1st Jun 18, 11:58 AM
    • #3
    • 1st Jun 18, 11:58 AM
    Hello Dizzy, you will fit right in. We have the loveliest people on here so you are v welcome!!!! This diary is helping me to keep on track too. Knowing other people are in it with us is v inspiring and usually prevents me from being silly and overspending. Have a good day.
    Originally posted by savingwannabe
    Thanks! Itís good too to see other peopleís tips as well as hopefully pass on some of my own

    I did have a post typed up to give a bit more info but it lost connection and I lost my post. I will be back with more in a bit
    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
    • Dizzy Ditzy
    • By Dizzy Ditzy 1st Jun 18, 12:06 PM
    • 17,112 Posts
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    Dizzy Ditzy
    • #4
    • 1st Jun 18, 12:06 PM
    • #4
    • 1st Jun 18, 12:06 PM
    Right, hopefully I wont lose this one!

    I think my best, and probably only option is to go for shared ownership, for a number of reasons but mostly because I can;t see me getting a mortgage for £200K on my salary at my age. Also, going for SO means that by the end of next year or early the year after, I;d be in a position to buy whereas going for the full whack may mean that it would be another two or three years before I could look at buying.

    Where am I saving money?

    I haven;t bought lunch at work since 6th April. I haven;t bought a soft drink for work since 6th April. By doing this, I have saved about £100 in eight weeks.

    I;m using the food I have in my freezers. I should probably explain at this point that I!m mainly around on the Elite thread, which has taught me pretty much everything I know about saving money I do a weekly meal plan and do my weekly shop based around that, and my work lunches. My weekly shop at the moment is around £12-20, for two adults and a cat.

    I live in the clearance aisle at Sainsburys, waiting to pounce on the 20p items. This week was Fairy washing up liquid and now I have enough oblast me until Christmas and beyond

    I am in the process of sorting stuff out at home to sell.

    I have an allotment so grow all my fruit and veg where I can. I also have hens so dont need to buy eggs for most of the year

    I have been saving all my £2 coins and when there is a reasonable amount of those I will get them banked and transferred.

    I still have the odd ;treat; every now and again so that I don;t feel like I am depriving myself. Once a week it might be a pain au raisin or doughnut and once a month I will have a takeaway.

    I am sure that there are people who would tell me that I can save more money by doing this and doing that but for the moment, I am happy with my efforts.

    I am looking forward to putting my thoughts, successes and struggles into black and white and seeing/sharing everyone elses
    Last edited by Dizzy Ditzy; 01-06-2018 at 12:14 PM. Reason: Taking out all the numbers. My grammar is really not that bad!
    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 1st Jun 18, 5:58 PM
    • 14,216 Posts
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    savingwannabe
    • #5
    • 1st Jun 18, 5:58 PM
    • #5
    • 1st Jun 18, 5:58 PM
    OMG this is brilliant. My friend 3 dogs (who visits regularly) lives on the elite thread.


    This is so inspiring already. It's great that you grow your own veg and have chickens. You sound v healthy.

    Your grocery bill is amazing and I would definitely learn from that. I will try to buy more whoopsies when I am on off work in the summer as I will have more time. I don't drive so visiting the supermarket is rather expensive for me. I can only go once a week unless I walk which is hard work.

    I sold stuff on ebay and made some money but carboots and gumtree are good too. Have you thought of switching current accounts as that brings in a lot of money quickly but it might affect your credit score.

    SO is good, I know some people at work who have done it.
    Christmas Fund £248 No spend month?
    • mylastpound
    • By mylastpound 1st Jun 18, 6:40 PM
    • 118 Posts
    • 346 Thanks
    mylastpound
    • #6
    • 1st Jun 18, 6:40 PM
    • #6
    • 1st Jun 18, 6:40 PM

    My weekly shop at the moment is around £12-20, for two adults and a cat.



    Originally posted by Dizzy Ditzy

    Impressive! How? ive just done mine on the supermarket comparison site and it was £43
    3-6 Emergency Fund, No96: £1,000 / £2,000 - House Deposit: £11,000 / £11,000 - Holiday Fund: £100 / £1,300 -
    June 2018 Grocery Challenge £61.59 / £250
    • Dizzy Ditzy
    • By Dizzy Ditzy 1st Jun 18, 7:57 PM
    • 17,112 Posts
    • 283,824 Thanks
    Dizzy Ditzy
    • #7
    • 1st Jun 18, 7:57 PM
    • #7
    • 1st Jun 18, 7:57 PM
    OMG this is brilliant. My friend 3 dogs (who visits regularly) lives on the elite thread.


    This is so inspiring already. It's great that you grow your own veg and have chickens. You sound v healthy.

    Your grocery bill is amazing and I would definitely learn from that. I will try to buy more whoopsies when I am on off work in the summer as I will have more time. I don't drive so visiting the supermarket is rather expensive for me. I can only go once a week unless I walk which is hard work.

    I sold stuff on ebay and made some money but carboots and gumtree are good too. Have you thought of switching current accounts as that brings in a lot of money quickly but it might affect your credit score.

    SO is good, I know some people at work who have done it.
    Originally posted by savingwannabe
    We haven't seen 3Dogs around for a while, hope she's ok I thought about switching bank accounts but I'm not brave enough for that yet


    Impressive! How? ive just done mine on the supermarket comparison site and it was £43
    Originally posted by mylastpound

    Re my shopping bill - it helped massively that they were full when I started this, I was able to list the contents and work out weekly menus from that. Weekly shop is for stuff to go with it, like veg during the off season, yogurt and lunch bits, 45p for a loaf of bread, 79p ish for milk and so on. I'm very lucky that I have Aldi, Lidl and Iceland on my doorstep and a fab butcher who does lots of offers and delivers . I can get 30+ meals from one of his meat boxes

    Also, as mentioned above, I do very well from Sainsburys 20p items. I've had multipacks of tomatoes, washing up liquid, stuffing, shampoo/conditioner, kilo packs of raisins/sultanas and all sorts of other stuff. All comes in handy!
    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
    • Skint yet Again
    • By Skint yet Again 2nd Jun 18, 5:52 AM
    • 3,701 Posts
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    Skint yet Again
    • #8
    • 2nd Jun 18, 5:52 AM
    • #8
    • 2nd Jun 18, 5:52 AM
    Hi Dizzy good luck on your savings & house buying. You sound like you are really organised with your food budget I'm hoping for some tips as mine has got out of hand recently
    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
    • savingwannabe
    • By savingwannabe 2nd Jun 18, 8:02 AM
    • 14,216 Posts
    • 47,680 Thanks
    savingwannabe
    • #9
    • 2nd Jun 18, 8:02 AM
    • #9
    • 2nd Jun 18, 8:02 AM
    It's fab that you live close to the shops and that you have chosen to post on this forum. We feel honoured as you are vvvv smart.

    3Dogs is okish. We are a bit concerned too as she hasn't been too well recently and she is coming next week to stay for a while so we can check she is ok.

    Switching accounts is vvv simple now. They do it all for you. All you have to do is tell your employer your new account details and also ring the dd you have switched too. In all the switches I have done only two minor mistakes happened (two dd's didn't switch properly) but when I rang the companies to explain they were fine. I must have made £600 at least in the last few years from this.
    Last edited by savingwannabe; 02-06-2018 at 8:10 AM.
    Christmas Fund £248 No spend month?
    • Dizzy Ditzy
    • By Dizzy Ditzy 3rd Jun 18, 8:55 AM
    • 17,112 Posts
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    Dizzy Ditzy
    This weeks shopping went a bit over budget at £26 but it's payday weekend so there were a few treats to see me through the month. Also, having a week off work was a bit tricky but back to work tomorrow so back to planning lunch and snacks and being back on track again. I've got £16 in my purse so that will see me through the week easily
    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 3rd Jun 18, 9:45 AM
    • 14,216 Posts
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    savingwannabe
    Morning, £16 is a quite a bit. Well done on good food shop.

    I hope you have good weather near you.
    Christmas Fund £248 No spend month?
    • Dizzy Ditzy
    • By Dizzy Ditzy 9th Jun 18, 11:24 AM
    • 17,112 Posts
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    Dizzy Ditzy
    This weeks food bill was just short of £16

    I started the week with £16 in my purse, ended with £2.79. This week hasn't been a cheap one thanks to bills that needed paying but I they were budgeted for anyway. I've got £16 in my purse for this week too - what is it with 16 this week?!

    I worked out yesterday that in the 8 weeks that I've been doing this, I've not spent £120 in the work canteen or shop on the way to work
    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 9th Jun 18, 12:32 PM
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    savingwannabe
    Well done on saving so much money!!!! You inspired me to save on my grocery shop last week too.


    Enjoy your £16!!!!!
    Christmas Fund £248 No spend month?
    • Dizzy Ditzy
    • By Dizzy Ditzy 9th Jun 18, 3:03 PM
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    Dizzy Ditzy
    Mr Butcher had an offer on chicken breasts this weeks, £25 for 5kg and they are amazing - none of this injecting them with water to plump them up Misery Guts bought those this week so I'm not counting them in this weeks costs . There were 23 huge pieces and probably about as many little fillets. We can quite often get a meal for two out of one breast so there are loads of meals there for us

    We've also started bring stuff home from the allotment today was garlic, mint and gooseberries. I'll make some rhubarb and gooseberry crumbles to freeze. I quite like having a dessert as my evening meal I'm still using just years garlic so I'm saving a few quid not having to buy any. Not long until I won't have to buy potatoes
    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 9th Jun 18, 5:49 PM
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    savingwannabe
    This is so healthy and really good for the budget. I wish I had known all this when I was younger. I dread to think how much I wasted on meals out and convenience foods. I could have retired by now!!!!

    Weather is lovely here. Hope it is nice by you too.

    If you aren't a queen you can be the Princess of the thread.
    Christmas Fund £248 No spend month?
    • Dizzy Ditzy
    • By Dizzy Ditzy 9th Jun 18, 6:29 PM
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    Dizzy Ditzy
    This is so healthy and really good for the budget. I wish I had known all this when I was younger. I dread to think how much I wasted on meals out and convenience foods. I could have retired by now!!!!

    Weather is lovely here. Hope it is nice by you too.

    If you aren't a queen you can be the Princess of the thread.
    Originally posted by savingwannabe
    That's really lovely of you to say, thank you title of thread princess gratefully accepted

    i wish I'd known all this too. So much I'd tell my 18 year old self!
    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
    • Kittikins
    • By Kittikins 12th Jun 18, 4:45 AM
    • 5,179 Posts
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    Kittikins
    Hi Dizzy, nice to meet you - I'm inspired by your budgeting skills

    Re - shared ownership - mortgages etc. I'm 47 (and proud) and if it wasn't for the fact I have, shock horror, a teenager and a fabulously well paid (not) teaching job, I would have been able to take out a 'proper' mortgage until my retirement age (67 I think). So, you might be able to have a mortgage on a non shared ownership place.

    Also, if you do go down the shared ownership route (which my beloved KW and I are doing in just 18 days from today ), mortgage companies offer you LESS than a mortgage on a 'real' house!

    It was a bit of a shock to find that out, I can tell you - my diary is full of my woes and worries over the months, then my elation when it was finally all agreed!

    I'm going to subscribe and keep finding out tips on keeping on the straight and narrow

    KW and I want try and keep saving after moving, even though we're going to be living to a fabulous town with my DD, and will have lots of spendy temptations. We want to get a few months' worth of bills saved up and an emergency fund for things breaking.
    • Dizzy Ditzy
    • By Dizzy Ditzy 12th Jun 18, 11:54 AM
    • 17,112 Posts
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    Dizzy Ditzy
    Hi Dizzy, nice to meet you - I'm inspired by your budgeting skills

    Re - shared ownership - mortgages etc. I'm 47 (and proud) and if it wasn't for the fact I have, shock horror, a teenager and a fabulously well paid (not) teaching job, I would have been able to take out a 'proper' mortgage until my retirement age (67 I think). So, you might be able to have a mortgage on a non shared ownership place.

    Also, if you do go down the shared ownership route (which my beloved KW and I are doing in just 18 days from today ), mortgage companies offer you LESS than a mortgage on a 'real' house!

    It was a bit of a shock to find that out, I can tell you - my diary is full of my woes and worries over the months, then my elation when it was finally all agreed!

    I'm going to subscribe and keep finding out tips on keeping on the straight and narrow

    KW and I want try and keep saving after moving, even though we're going to be living to a fabulous town with my DD, and will have lots of spendy temptations. We want to get a few months' worth of bills saved up and an emergency fund for things breaking.
    Originally posted by Kittikins
    Hi Kittikins

    I have been slowly reading through your diary and it makes for interesting reading! There is always hope that I will be able to get a mortgage on a "proper" house but as its just my salary I think it unlikely. I have tried to speak to a mortgage adviser but they have chosen to ignore me Thats fine though because when the time comes, I know who not to go to!



    I am still a very very long way off, but I am hoping to hit the magic £1000 mark by the end of June rather than the end of July as projected. I have a few quid due to come in from other sources this month so fingers crossed for me! Added to the total by £1 last night found on the pavement. I have been selling allotment produce in work too and at the mo, thats going in the seed fund for next year, although we already have enough seeds to last for another few years yet
    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
    • Kittikins
    • By Kittikins 12th Jun 18, 6:23 PM
    • 5,179 Posts
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    Kittikins
    Ooooh, an allotment, what are you growing? KW and I have one (well, he does it all as it's in his town, miles away from me, but we like to call it our allotment) and it's our first year doing it. Our radishes were woody and yuk but looks like we'll have lots of yummy strawberries soon!

    Keep picking up the pavement cash, I call them Reverbe's after a poster on here, who always seemed to find lots of coins. (Haven't seen her around for a long time, but she'll always be in my mind when I see a penny or more on the floor!)


    I'm a bit of a waffler I know....my diary may take a while to digest, lol
    • savingwannabe
    • By savingwannabe 12th Jun 18, 6:40 PM
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    savingwannabe
    I don't think you waffle at all. I like your posts. ps my dad found a pound yesterday and put it into charity box. Love my dad.
    Christmas Fund £248 No spend month?
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