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    • mumof3.12kindebt
    • By mumof3.12kindebt 23rd Oct 17, 9:38 PM
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    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 3
    • mumof3.12kindebt
    • By mumof3.12kindebt 6th Dec 17, 12:51 AM
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    mumof3.12kindebt
    Tahlullah

    Just read your diary. You clearly have a plan which is based on the needs of your family, and if you can get it to work, you should go for it.

    Hope the extra storage gives a bit more space until you can get enough saved for the deposit.


    Thankyou . Sorry if Ive came across abrupt on some of my replies to you guys. I really don't mean to and I really do take all advice on board.

    I'm in a Better frame of mind today than I was earlier in the week and silence101 your post about storage made me realise investing in some better /more storage until we can move so it's easier to live here made alot of sense. I'd been thinking about things and how we could make it work better for a while but was too scared to see my savings drop a little to take the plunge. I know when the delivery comes and I'm finally getting the place how I imagine it will begin to feel much more like home until the day we have to say good bye and move on to our next Chapter so Thankyou you helped me realize it's not a waste it's a way We can comfortably live better until we can afford bigger. (ie afford to move)
    getmore4less thankyou for your advice regarding my loan /savings.
    I've decided I'm going to see what we can save by the end of next year and if we are comfortable here and not in so much of a rush once we have made further improvements with our living space I'll pay off The loan next Dec and start to rebuild the savings account from there. Essentially if we can move before youngest starts school that will also be before my eldest son chooses what gcses he sits ready for year 9 (he's currently in ur 4). We ideally need to move by then at the latest so we don't disrupt my eldests gcse core studies as we would have to move him schools (assuming we wont be able to buy in our village) . My mum moved me schools towards the end of year 10 and it really messed up my gcses so I always said I'd never put my kids through the same.

    So in conclusion just under 3 and a half years Max to pay off the loan . Save a deposit . move. And get the kids settled. I think they pick their gcses the June of year 8. Unless it's changed.
    So we have until April /may of 2021 thats 3 years 3 months and 26 days or 1212 days (can you tell I Googled it I was intrigued )

    I'm off to get some sleep.
    Here is to a frugal fun and saving hard 2018 and beyond. Whatever it takes (I have boundaries ) to get to that finish. Best bit is if we hit that goal we will also achieve another of being debt free before 30 and another of being homeowners (ish) before 30 !

    Can you tell I'm feeling much more positive tonight.
    • Silence101
    • By Silence101 6th Dec 17, 7:47 AM
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    Silence101
    That!!!8217;s great! And the right storage should hopefully make a world of difference. I!!!8217;d look on Pinterest and IKEA website first, so you know exactly what will work, and not clutter up the space more.
    I was thinking, your son might need one of those bunk beds with a desk underneath, so he has space for homework. And they usually have wardrobe space too so save a fair bit of space. I saw a few on gumtree when we were thinking of buying one, so it doesn!!!8217;t have to be too expensive.
    09/17 Shared Ownership 50% share - Mortgage 77500 Original MFW 2052
    17/18 OP 7700
    • Tahlullah
    • By Tahlullah 6th Dec 17, 8:13 AM
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    Tahlullah
    1212 days. Hooe you get yourself a calendar/spreadsheet so you can track each day of saving whilst you count them off. Anyway, I am a bit sad as its the sort of thing I would do!

    You have a great plan with absolute deadlines with sound reasoning behind them. And with the careful planning of storage solutions within the home, you will be fine.

    I agree Ikea is the place to look. Allows you to picture small space living with effective storage solutions. Plus it isn't too expensive so won't eat away at your savings.

    Good luck, I will be watching and cheering you on to your new life.
    Striving to be mortgage free.
    2018 MFW #135

    600 of 2000
    • mumof3.12kindebt
    • By mumof3.12kindebt 6th Dec 17, 9:37 AM
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    mumof3.12kindebt
    Ikea was where I ordered from.

    2 years ago I invested in a set of wooden bunks with a trundle bed underneath effectively giving us 3 beds when the lowest is pulled out. It also has 3 small drawers where all the boys bedding and blankets are stored. We have recently put it back to a bunk as separately they had no room just a small gap between the beds to get in and out of bed. It's made a bit more space putting it back to a bunk bed. But as it separates if we move sooner and youngest isn't in a bed or is still in with us for whatever reason we won't need to buy the boys new beds.
    I reduced my Nanas small folding table as it was going to be taken to land fill it fits both boys on it with the one side up so we have managed to make space in the kitchen area for it for the boys to eat at and eldest to do his homework at. When we move eventually eldest will have the smallest room probably a box room size so I will look at getting him a loft or cabin bed with a desk and wardrobe or chest of drawers underneath.
    • mumof3.12kindebt
    • By mumof3.12kindebt 7th Dec 17, 8:02 PM
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    mumof3.12kindebt
    I've mentioned on previous post about my second son having global development delay. Today we recieved the letter off his peadiatricain regarding his last appointment. Why is it always more of a slap in the face reading something than being told.
    Basically they suspect he has a type of dwarfism so he is going to have to have further investigations for that now too. (he has the classic symptoms) ... There's always something isn't there. It's it wrong to feel sad. I also wonder if I feel like this now how the hell am I going to cope with them telling me that it is definitely that
    • Tahlullah
    • By Tahlullah 7th Dec 17, 8:16 PM
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    Tahlullah
    No its not wrong to feel sad. I am sorry to hear that about your son and they really should have told you face to face rather than rely on a letter. Doesn't give you an opportunity to ask questions.

    But on the other side, you can ask for a meeting and by the time you get to meet, you will have had the opportunity to think through all the questions you want to ask and wouldn't have thought of at the time.
    Striving to be mortgage free.
    2018 MFW #135

    600 of 2000
    • mumof3.12kindebt
    • By mumof3.12kindebt 9th Dec 17, 4:56 PM
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    mumof3.12kindebt
    Today has been spent decluttering the hall.
    We each have one coat. One bag 2 winter hats one summer hat scarf and gloves. I have an everyday pair of shoes. Snow boots and wellies same for partner kids have school / nursery shoes. Trainers and wellies and snow boots. Baby has a snowsuit and a quilted coat.

    I want to tackle our bedroom on my days off next week. The kids room has nearly been sorted. Ready for the new storage unit to arrive
    • mumof3.12kindebt
    • By mumof3.12kindebt 10th Dec 17, 10:19 AM
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    mumof3.12kindebt
    We have had quiet abit of snow here. Luckily no work today but will have to drive home at 10pm tomorrow and back in work at 7am on Tuesday. They have an empty room there and I'm half tempted to ask my manager if I can sleep in there instead of having to drive home on what will probably be icy roads in the dark.
    Anyway stay safe everyone x
    • mumof3.12kindebt
    • By mumof3.12kindebt 13th Dec 17, 12:33 PM
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    mumof3.12kindebt
    The roads were worse yesterday at 3pm driving home than Monday night or Tuesday morning.
    Anyway made it home in one piece.

    Kids back to school today after having Monday and Tuesday off due to the snow.
    Partner took eldesr to school. It's so icy I couldn't walk in it it's also raining so Christmas shopping has been put off for a few days.
    So today is a day at home relaxing. We put the Christmas tree up yesterday. And got rid of one of the units in the lounge to give us more space.

    Second son has his X-ray tomorrow on his legs as part of his investigations into if he has a type of dwarfism. We should see his consultant hopefully before March or sooner to discuss the results. I also need to mention his growth chart. He was bang on the 2nd percentile from birth to 16 months. Then between 16 months and 30 months dropped to less than 0.4 percentile (he's actually 2 squares below the 0.4 percentile and that is where he has stayed and it still at age 48 months (4 years old) . His head is on the 75th percentile. And weight 25th percentile.
    The pediatrician at the last appointment did mention because I'm not tall he could follow me. Which may be the case as going by his growth chart as long as he grows at a normal rate he will be about my height previously before the drop in height he would of been around 6 inches taller than me. The pediatrician took my measurements and mine are all in accordance to each other. Which raised his concerns because sons weight and head aren't in accordance with his height. He also mentioned about his having shorter upper arms and legs. It's was his arms legs and head that made me raise concerns not so much his height. Anyway it's just a waiting game now to see what they say. Either way he will be brought up that the only boundaries he has in life are the ones he sets himself just like the rest of my kids. Due to his gdd he isn't like other children his age anyway but you know like all kids he's taking it at his own pace. Since having his diagnosis of gdd 15 months ago we have put lots of implements and additional support in place. He has got a ehcp for nursery which is being reviewed in January ready for the additional support he may need at school.
    He currently attends a mainstream and sen nursery and we will find out next year if he will be going to the sen school or mainstream with additional support. Its what is best for him and help him to achieve his full potential thata important if he needs to continue at a sen setting thats where he will go. He's done well in the last 15 months. Learning and using sign language with him has been a massive help . I look forward to the day he can come out of school and tell me what he did and if he had a good day . The day he can tell me why he feels poorly instead of having to try and work it out with little communication. The day he rides a bike or scooter. The day he doesn't have daily meltdowns because he's frustrated or because there's been a change to what's happening that day.
    But most importantly through all the hard times that I've never had to deal with with my eldest I'm thankful that he's happy. He loves life and the amazing things he's taught me. Ive found strength In me I didn't know existed patience that is more than I ever knew possible. And an understanding and pure Pride for all parents especially those with sen children I salute you mums and dads it's hard being a parent it's even harder when your journey has extra bumps in the road. We are near the beginning the last 15 months have been filled with heartache tears anger. But more so and more importantly love pride and joy .
    • Tahlullah
    • By Tahlullah 13th Dec 17, 9:50 PM
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    Tahlullah
    Fantastic heartfelt post MO3. Sending you and your family best wishes

    Tx
    Striving to be mortgage free.
    2018 MFW #135

    600 of 2000
    • mumof3.12kindebt
    • By mumof3.12kindebt 14th Dec 17, 12:40 PM
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    mumof3.12kindebt
    thank you.

    First of the possibly many investigations today. X-ray on second borns legs.

    I'm full of hope and smiles love and strength. Either way we will be okay with it. Could be months before the doctors can give us a final decision on if he does or doesn't have a type of skeletal dysplasia. Maybe longer.
    • mumof3.12kindebt
    • By mumof3.12kindebt 14th Dec 17, 4:45 PM
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    mumof3.12kindebt
    We went to the appointment. The consultant at the X-ray dept requested more than just his legs being X-rayed for acurate diagnosis. In the end his whole body was basically xrayed. (head. Torso legs arm hand hips and lower spine) he has enough for his report to the pediatrician so hopefully the next time we see the pediatrician they will be able to tell us if he does or doesn't have a type of skeletal dysplasia. All we can do now is wait.. Now today is done I feel alot more relaxed about it all. The pediatric radiographer and her team were amazing. Really I'm so greatful for the nhs when it comes to stuff like this. Fantastic staff and no huge medical bills or insurance to have to worry about on top. We really are extremely lucky
    • mumof3.12kindebt
    • By mumof3.12kindebt 15th Dec 17, 6:46 PM
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    mumof3.12kindebt
    Pediatrician phoned me earlier.
    Sons bone growth is at 2 year old. He turned 4 last Month. They will take more measurements when they next see him and if he has slow growth will do further investigations
    • mumof3.12kindebt
    • By mumof3.12kindebt 21st Dec 17, 7:05 PM
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    mumof3.12kindebt
    went to see Santa today with the kids. 15 spent
    Did skip runs on Tuesday before work.
    Travelled to Wales to see family yesterday and went out with some work colleagues for a few Xmas drinks last night 2.80 spent.
    We have been given some money for Xmas already. It's gone into the house money box. We don't need or want anything so rather it go In there than we waste it on "stuff". Done my budget for next year. Hope to have at least 15k saved by December 2018 not including the 2k which will be the total of our savings the end of this year.

    I have cut our budget as far back as I possibly can so now it's just about staying on track.
    Youngest two should be settled soon. So I'm going to finish my meds course. Have a bath read my book and get some sleep.
    Food shop and work tomorrow.
    • newgirly
    • By newgirly 22nd Dec 17, 8:05 AM
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    newgirly
    So sorry to hear of the worrying times you have had lately waiting for a diagnosis for your son, but it was lovely to read your earlier positive post and how happy your boy is, I hope you all have a great Christmas
    MFW 21
    Target for 2018 40k/11,092 paid so far

    Mortgage 38,275 4yrs 1mth left. Total owed 50,898 plan to clear in 14 months
    • Kittenkirst
    • By Kittenkirst 22nd Dec 17, 8:16 AM
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    Kittenkirst
    Wow you have loads of goals- I always find recording them somewhere and then reviewing them throughout the month really helps to push me on.

    You!!!8217;ve got this!
    2018 MFW #20 - OP 1799.61/ 3000 60%
    Mar: 218 Apr: 528.91 May: 361.07

    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • mumof3.12kindebt
    • By mumof3.12kindebt 22nd Dec 17, 10:44 AM
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    mumof3.12kindebt
    Thankyou both. It is a worrying time. I think thats why I'm trying to keep busy. I finished my course last night so need to send that today. Need to do a good shop and have family visiting. Work later. And tomorrow off Christmas Eve. Working Xmas day. And off boxing day. Will update later
    • mumof3.12kindebt
    • By mumof3.12kindebt 22nd Dec 17, 1:15 PM
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    mumof3.12kindebt
    Food shop done. What we haven't got now is tough
    We will be payed early due to Christmas so I need to look out for that and transfer it to the bills account for February.
    I need to see if i can open a help to buy isa. I'm sure I opened another isa this tax year so need to have a look and find out if I need to wait till April or not.
    Looking at our budget we should be able to transfer 1000 to savings on the first of January will update when I do
    • mumof3.12kindebt
    • By mumof3.12kindebt 23rd Dec 17, 10:27 AM
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    mumof3.12kindebt
    washing machine came up with a fault last night so stopped working . We Googled what was wrong at it turned out to be the filter. Shows it pays to check before Calling an engineer or insurance. Anyway it's sorted now. I had a slight panic last night thinking it was something more wrong .

    I need to get milk today as was unable to when shopping as there was non left.

    I'm going to have a shower in a minute and then get ready for work as I need to pop to town before work. Parking is going to be horrendous. I'm dreading it already. But I need some new leggings as all of mine have stains on them. And a Christmas jumper for work.

    I'm going to leave midday which will give me about two hours before I'll need to head to work.

    Tomorrow the boys are going to their dad / nan as normal. Then we are visiting my Nana and then going to the christingle with extended family and my grandma. Then we will chill out with a film and sort the presents ready for Xmas day. Xmas day I will be with the family in the morning. Then the boys are going to there dad/nan and I'm off to work. Boxing Day we will continue the Christmas celebrations with our Christmas dinner and games and films and a family walk.

    I don't know if I've mentioned before but the whole of next year we are doing a no spend year. Just bills and essential spends are allowed. To try and hit our savings goal by December.
    Family are buying us a family annual national trust pass so that's some days out sorted. We have an experience day of water zorbing which was mine and my partners Xmas present. I have allocated a set amount each month for Xmas and birthday gifts etc and the same for car costs. Everything has been budgeted for and we have a misc amount each month for things like clothes shoes uniform etc.

    At an absolute push sticking to the budget providing our income doesn't change too much I think we should be able to save 17k if partner can transfer the amount I've requested off him each month. Plus we should have 2k saved from this year and I'm hoping to raise an extra 1k in overtime etc to round the savings figure to 20k .

    My first aim is 10k then 15k and if I reach that I'll aim for the 20k .
    If we could have the 20k saved by the end of December 2018 we will be in a good position to buy the following year. Although we are still considering the part buy in our village i we can afford it without stretching ourselves.

    In September once second born is at school I'm also considering getting a second job but we will see.
    • mumof3.12kindebt
    • By mumof3.12kindebt 23rd Dec 17, 11:15 AM
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    mumof3.12kindebt
    I've done all my accounts ready for January.
    We shouldn't need anything between now and the new year except electric and milk.

    House fund 2000
    House box 120
    Emergancy fund 100
    Xmas/bdays 50

    Will also add this month's overtime when I get paid.

    I need to save 1666 a Month to hit our 20k target.
    I think we will be looking at saving 1k + overtime more realistically but we will see
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