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  • FIRST POST
    • Dizzy Ditzy
    • By Dizzy Ditzy 1st Jun 18, 8:08 AM
    • 17,109Posts
    • 283,815Thanks
    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 6
    • savingwannabe
    • By savingwannabe 9th Jun 19, 6:23 PM
    • 14,149 Posts
    • 47,615 Thanks
    savingwannabe
    Hurrah for new job and walking- it will make you fit and hopefully you will have new work colleagues and a nicer environment. I am so sorry about your brother's illness. That is v hard news to deal with for all of you. I hope he is able to have good days where you can enjoy your time together.

    I am cross about your old employer and withholding your salary. It is horrid when they keep your hard earned money - that happened to one of my friends last year and she couldn't do anything about it. I would be in debt if it happened to me which is why it is good you have savings.

    Have a good week. The weather's going to be v wet.
    Christmas Fund 208 No spend month?
    • thrifty-hayley
    • By thrifty-hayley 9th Jun 19, 9:10 PM
    • 111 Posts
    • 400 Thanks
    thrifty-hayley
    Hi Dizzy

    You are doing so well! Yay for new job and you have managed to save so much, I'm a little jealous So sorry to hear about your brother, that's awful. Also can you not take action against your old employer if they've cheated you out of money?
    August Grocery challenge 60/50
    Emergency fund: 502/1000
    • archcherub
    • By archcherub 10th Jun 19, 6:14 AM
    • 11 Posts
    • 37 Thanks
    archcherub
    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
    Originally posted by Dizzy Ditzy
    a saving diary is good. thats what i am here for too.
    don't underestimate those "odd coins" i deposited my odd coins after a few months and got enough for a week of groceries lol
    • Skint yet Again
    • By Skint yet Again 10th Jun 19, 3:12 PM
    • 3,665 Posts
    • 19,324 Thanks
    Skint yet Again
    So sorry to hear the news about your brother. Difficult times for you all. Does he have a pension or union that will pay for/towards the inevitable costs ?

    Can ACAS help with old employer ?
    Balance 0% credit card 1360 748
    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 200
    • Dizzy Ditzy
    • By Dizzy Ditzy 10th Jun 19, 5:16 PM
    • 17,109 Posts
    • 283,815 Thanks
    Dizzy Ditzy
    a saving diary is good. thats what i am here for too.
    don't underestimate those "odd coins" i deposited my odd coins after a few months and got enough for a week of groceries lol
    Originally posted by archcherub
    Oh yes! I keep all my 2 coins and have deposited about 250 in the last 12 months or so I've got another 50 worth but with the change of job, it's more difficult to get to the bank
    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 10th Jun 19, 5:19 PM
    • 17,109 Posts
    • 283,815 Thanks
    Dizzy Ditzy
    Hurrah for new job and walking- it will make you fit and hopefully you will have new work colleagues and a nicer environment. I am so sorry about your brother's illness. That is v hard news to deal with for all of you. I hope he is able to have good days where you can enjoy your time together.

    I am cross about your old employer and withholding your salary. It is horrid when they keep your hard earned money - that happened to one of my friends last year and she couldn't do anything about it. I would be in debt if it happened to me which is why it is good you have savings.

    Have a good week. The weather's going to be v wet.
    Originally posted by savingwannabe
    Hi Dizzy

    You are doing so well! Yay for new job and you have managed to save so much, I'm a little jealous So sorry to hear about your brother, that's awful. Also can you not take action against your old employer if they've cheated you out of money?
    Originally posted by thrifty-hayley
    So sorry to hear the news about your brother. Difficult times for you all. Does he have a pension or union that will pay for/towards the inevitable costs ?

    Can ACAS help with old employer ?
    Originally posted by Skint yet Again
    Thank you all

    Re my old employer - I need to be able to prove that they've stitched me up and I can't. It's all to do with holiday pay for overtime. They've given it then taken it away and then given some of it back again before taking some more away again. it's almost too much hassle
    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 15th Jun 19, 7:27 PM
    • 14,149 Posts
    • 47,615 Thanks
    savingwannabe
    Bless you Dizzy, I hope you had a good week and your family is ok.
    Christmas Fund 208 No spend month?
    • NicTom80
    • By NicTom80 9th Jul 19, 7:18 PM
    • 3 Posts
    • 4 Thanks
    NicTom80
    I have been saving for five years now to buy a property. I am single, in a not well paid industry, living in an expensive area of the country. I got 50,000 inheritance money from my Uncle and have saved 27,000 myself on top of it. I am only just getting to the stage where this deposit and my salary = me being able to buy a property. Ridiculous!

    I have just done an updated AIP with my Bank, as had a small payrise confirmed last week and the amount its saying I could borrow is much higher than the last time I did an AIP. I am going to see a Mortgage Advisor as soon as I have made an appointment to check the accuracy of this as it is a huge difference. So fingers crossed. Scary and exciting but at the same time trying not to get my hopes up!
    Last edited by NicTom80; 09-07-2019 at 7:18 PM. Reason: spelling
    • pinknsparkly
    • By pinknsparkly 13th Jul 19, 8:57 PM
    • 411 Posts
    • 901 Thanks
    pinknsparkly
    I'm so sorry to hear about your brother Ditzy, big hugs to all your family. And although I know the savings were supposed to be for a house, it's amazing that having them can give you enough breathing room to be there for him!

    And it's infuriating about your employer - I sometimes wonder just how much money employers, utility companies, banks etc make out of us little people purely because the entire system is stacked against us with all the power on their side
    MFW 2019 challenge #99: 7707 / 6,000 (4723.32 is in "offset" pot)
    MFiT-T5 (Jan 2019 - Jan 2022) challenge #99: 7707 / 30,000
    Save 12k in 2019 challenge #99: 19,077 / 12,000
    2019 keep moving challenge: 403 / 1000 miles
    Last updated: 04/09/2019
    Initial MF date (18th Dec 2018): Jan 2054 Current MF date: Jul 2052
    • Dizzy Ditzy
    • By Dizzy Ditzy 4th Aug 19, 2:51 PM
    • 17,109 Posts
    • 283,815 Thanks
    Dizzy Ditzy
    5000
    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 5th Aug 19, 7:02 AM
    • 14,149 Posts
    • 47,615 Thanks
    savingwannabe
    Hello Dearest Dizzy, well done on the 5k that's wonderful. I hope you are ok and so is your brother.

    It's raining here.
    Christmas Fund 208 No spend month?
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