Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • mumof3.12kindebt
    • By mumof3.12kindebt 23rd Oct 17, 9:38 PM
    • 515Posts
    • 1,383Thanks
    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 21
    • Youthgonewild
    • By Youthgonewild 3rd Jan 19, 2:19 PM
    • 108 Posts
    • 193 Thanks
    Youthgonewild
    Well done, you are doing great! I might need to invest in one of those vape things.
    Mortgage balance October 2015: 99875
    Mortgage balance November 2017: 97583

    Mortgage balance November 2018: 90952.08
    Mortgage balance December 2018: 90470.65
    Mortgage balance January 2019: 88200.00
    • mumof3.12kindebt
    • By mumof3.12kindebt 3rd Jan 19, 4:57 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    Thank you

    Food shop done. Came.in under budget . We will need milk In a few days but should stay under budget .
    49 spent so far on food this week.

    60 transferred to the savings so another 1300 to go this month !
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 4th Jan 19, 6:23 AM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    50 transferred to savings
    1250 left to save this month
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 5th Jan 19, 10:42 AM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    Morning everyone.
    Yesterday was a no spend day

    I also was offered a permanent position where I go with the agency yesterday I turned it down as I am waiting to start at another Job. But I may consider their bank . I'd earn 21 more a shift than I do at the moment.
    If I went there permanently I'd also earn 21 more per shift than my current job. That's about 63 a week (3260 ISH a year for doing the same job .
    I want to speak to them though as I want to be able to have progression in my career . So I want to find out what qualifications they can offer and what progression opportunities they can offer.
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 5th Jan 19, 11:35 AM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    932 in LISA

    I've withdrew my savings from bricklane so that will also go into LISA once it's in my bank . (Around 200)
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 5th Jan 19, 11:45 AM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    What I'll be transferring the rest of Jan
    (So far)

    200 brick lane (once it's cleared)
    41 (7/1)
    229 (15 Jan)
    172 (11/1)
    258 (18/1)

    900 total.

    Plus one more agency pay in Jan and wages from new job if I've started
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 6th Jan 19, 5:52 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    So I have a confession.

    We went to the panto today that's not the confession.

    So although I have quit smoking. Partner has just cut down . And that's cool . I'm cool with that.
    So I rolled a fag and smoked it . Omg it was disgusting .... So I'll be sticking to my vape.


    Other than that we had a lovely afternoon. Eldest got a shout out for his birthday. And two of the three kids got a photo with one. Of the actors.

    Stopped at MacDonalds on the way home this was all budgeted for . It's an annual thing we do with all the family on my side .

    Other than that nothing spent today
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 7th Jan 19, 5:24 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    Evening all.
    No spend day today

    Start at my new job on the 14th with a two week induction .

    Boys are back at school tomorrow .

    I have 3 shifts this week

    I have 7 units left of my diploma.

    Oh and apart from last night's hiccup I've been smoke free for ten days ❤️
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 13th Jan 19, 12:15 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    I start my induction tomorrow at my new job. It's for two weeks. Unsure if I will be paid for this as nothing is stated in my contract. Also not sure if I'll be able to fit agency shifts in. I've transferred what I planned to above so far . Bricklane money hasn't yet gone into my account so including that and my wages that are due Friday and sons DLA we have a definite total of 733 to be transferred.
    This does not include if I am paid at the end of the month for my induction period and doesn't include if I can do a few agency shifts.
    So far we have 1200 in our house fund so I am hoping we can find another 67 by the end of the month to round it up to 2000 by the end of January.
    I have the money in my other account for next month's bills.

    Ill be going to go onto my laptop and undated my front page with how much is saved in the house fund at the end of each month so we can easily see our progress.
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 14th Jan 19, 5:48 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    Hello all.
    Did my first induction day today
    I'm paid for the hours of my induction but won't be until the end of Feb and then Feb shifts are paid in march etc.
    I'll get a pension at 3%
    I'm contracted to 24 hours which i was going to ask to increase to 36 at a later date. But overtime is paid at standard of time and a half so I'll just do overtime as it will pay better. Occasionally if they are desperate they will pay double time.
    I'm paid for all my hours I do training online even at home.
    And there is opertunity to work your way up.
    You also get a payrise with every completed nvq or diploma and there is always additional training you can take .
    There is also a discount app you can use with certain shops etc.
    They provide uniform and I get more holiday hours.
    Overall it's much better than my previous employer . Previously I was on minimum wage not paid for if I had to work late. And it was minimum wage for overtime and he didn't contribute to my pension. And we had to buy our own uniform

    The aim is to work 36 hours a week either topping up with my employer or with the agency more when I can but I need to remember as much as we want to save as much as possible as quick as possible I must look after myself.
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • the cross rabbit
    • By the cross rabbit 14th Jan 19, 7:42 PM
    • 406 Posts
    • 2,464 Thanks
    the cross rabbit
    Glad you had a good first day.
    CRx
    Mortgage 82,000, due to end July 2036. 18/1/2019 Mortgage 79,150.55
    #67 mortgage free wannabe 2019 157.48/800
    • mumof3.12kindebt
    • By mumof3.12kindebt 15th Jan 19, 7:52 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    Thankyou

    Another bonus I'm on a two week rolling rota so other than when I do overtime I'll always know what days I'm working
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 15th Jan 19, 7:53 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    1680 in house fund so far.
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 17th Jan 19, 6:30 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    Shifts
    Hello beautiful diary world.

    So I do my Shadow shifts next week
    After that I start my rota.

    Unless I do overtime which i do plan to do regularly. I'll have a 7 day break between the one week and the next.
    I'll explain so one week I do sat and sun
    The next I do weds and Friday
    Then it goes back to my sat shift the following week.

    Means I can take one week holiday and actually have 12 days off. (If I'm wise with my holidays)

    I have e learning at home to do tomorrow which I'm paid for the time taken to do it

    I can already see the advantages to this job vs my old one. Also I'm on more pay for less responsibility but I do plan to work my way up the ladder there but as I work my way up and complete qualifications my pay will Rise.

    Anyway I'm hoping I can update tomorrow with our savings
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 18th Jan 19, 12:53 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    We hit 2000
    Hello everyone .

    So today we hit 2000 in our LISA

    Actual amount in there 2060 !

    14,940 left to go by December

    That's 1360 a month to hit our target

    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • the cross rabbit
    • By the cross rabbit 18th Jan 19, 1:10 PM
    • 406 Posts
    • 2,464 Thanks
    the cross rabbit
    well done
    CRx
    Mortgage 82,000, due to end July 2036. 18/1/2019 Mortgage 79,150.55
    #67 mortgage free wannabe 2019 157.48/800
    • mumof3.12kindebt
    • By mumof3.12kindebt 19th Jan 19, 1:44 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    Thank you CR

    Targets for this weekend
    Complete online training for work.
    Complete deploma work set

    Targets for next week
    Do Shadow shifts at work
    Complete two pieces of work for my diploma

    Targets before the end of the month
    Only spend what is left in the spends account.
    Pay music lessons
    Have 3 units left of diploma or less

    Try to get some agency shifts or overtime for February (at least 4 12 hour shifts)
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 25th Jan 19, 10:59 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    Hi Everyone !

    I went for my colonoscopy today. Was giggling before due to nerves. . giggling and talking all the way through it due to gas and air. (didn't have anything else) . And still smiling giggling and laughing after.

    They took 4 biopsies. I have to go back on the 7th of Feb as they couldn't continue after so far due to a blockage in my bowel. (stools) so I have to take other stuff (think it's stronger) . And stick to a certain diet for a week before (fun... ). I need to speak to work as I will have to have time off as next time they want me to have the stuff that makes me drowsy. Overall it wasn't a bad or even unpleasant experience to be honest. (then again I work in healthcare so ... ) I'm just gutted I can't just have gas and air next time. Hoping I won't be waiting too long for my biopsy results.

    Hope everyone is well.

    Take care x
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • mumof3.12kindebt
    • By mumof3.12kindebt 28th Jan 19, 4:51 PM
    • 515 Posts
    • 1,383 Thanks
    mumof3.12kindebt
    2100 in house fund 😃
    June 2017 16000 debt / no savings
    Nov 2017 13000 debt / no savings
    Sept 2018 Loan paid off
    Oct 2018 2400 debt / 2000 savings
    Nov 2018 DEBT FREE / 5000 savings
    **Nov 18 started house fund - 760 / 32k**
    • Hazelnutty
    • By Hazelnutty 28th Jan 19, 6:58 PM
    • 200 Posts
    • 1,053 Thanks
    Hazelnutty
    Fingers crossed for you x
    Choose kind
    MFW 2019 #103
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,012Posts Today

5,380Users online

Martin's Twitter