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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 7
    • mumof3.12kindebt
    • By mumof3.12kindebt 28th Feb 18, 1:45 PM
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    mumof3.12kindebt
    since November 2017 i've paid off nearly 2000 in debt and saved 2800

    this is why this diary was worth it . because on days when i think why am i bothering looking back and realizing how well we have done so far makes me want to continue
    • mumof3.12kindebt
    • By mumof3.12kindebt 28th Feb 18, 2:19 PM
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    mumof3.12kindebt
    The 52 things I aim to achieve / do are :
    1. Start nvq
    2. Finish nvq
    3. Start degree - health sciences
    4. Volunteer for Macmillan - interview done, position accepted , start my training in the next few weeks
    5. get teeth sorted
    6. Volunteer for acorns children's hospice
    7. Give blood - BOOKED FOR MAY
    8. Gain a stone in weight 2/3 lb so far
    9. Attend church at least 6 times / been once so far
    10. Do 30 online courses with openlearn / done 6
    11. Save 50% towards a house deposit (15k) 3200 so far
    12. Give 52 items to the food bank
    13. Current debt 10,020 by Feb 2019 6000
    14. Earn 2000 is overtime / 380 so far
    15. The one month water challenge
    16. Go to the beach
    17. Stand at the edge of a cliff and scream hello
    18. Go swimming
    19. Dance In the rain
    20. Jump in puddles
    21. Frame one each of the kids pictures
    22. Do a picture which all of us have taken part in and frame
    23. Bake 100 cupcakes
    24. Quit smoking
    25. Go for a walk in a wood
    26. middle child potty trained
    27. See middle child off on his first day at school
    28. Go to eldests class assembly
    29. Go to eldests sports day
    30. Write up about being a mum to a disabled child
    31. Kids christening - BOOKED FOR JUNE
    32. Write up about suffering with mental health illness
    33. Do something to help the homeless
    34. save. 1k towards internship overseas
    35. Visit London
    36. Attend all parents evenings - eldests DONE
    37. Finish the hall - STARTED
    38. Finish the boys room
    39. Finish the living room
    40. Finish the kitchen
    41. Finish the bathroom
    42. No alcohol all year
    43. Go to Butlins or camping
    44. Go to a pantomime
    45. Go skiing
    46. Go ice skating
    47. Teach eldest to roller skate
    48. Teach middle child to scoot a scooter
    49. Snorkel with sharks
    50. Feed sharks
    51. Water zorbing
    52. Fly over London in a helicopter with eldest
    EXTRA
    pay off catalogue
    pay family member what we owe them
    Last edited by mumof3.12kindebt; 03-03-2018 at 9:06 PM.
    • mumof3.12kindebt
    • By mumof3.12kindebt 28th Feb 18, 2:39 PM
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    mumof3.12kindebt
    Mission for March


    youngest turns one !
    have 4000 in house savings
    get 3 extra shifts at work / earn 150 in overtime
    complete Macmillan training
    start Nvq (providing funding is approved)
    finish online training for work
    cut down to 5 a day smoking
    cut down on my sugar in my cups of tea
    have a disney board game family night
    go to church at least once
    pay family member what i owe them
    paint bathroom
    take eldest to school on my days off instead of my partner
    send off form for funding for nvq



    Last edited by mumof3.12kindebt; 01-03-2018 at 12:10 AM.
    • mumof3.12kindebt
    • By mumof3.12kindebt 1st Mar 18, 9:04 PM
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    mumof3.12kindebt
    after this months payment has gone out ive paid 1000 off my loan thats around 400 extra paid off in 4 months.
    catalogue is also paid off now.
    and family member will be paid off this week
    which just leaves my loan at 10,800 or there abouts (its really confusing because it shows on my internet banking excluding the interest. which is 9000 after this months payment is deducted.

    ive completed 2 of my 6 online courses i needed to do

    4 more to go and i hope to finish them tonight.

    heating is on quite high but as always im feeling the cold so im in bed now all the kiddies have gone to bed.
    eldest looked fab for world book day.
    • mumof3.12kindebt
    • By mumof3.12kindebt 1st Mar 18, 9:48 PM
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    mumof3.12kindebt
    3 courses left off to find something to eat . before i continue. both boys are off tomorrow due to the snow
    • debtaghh
    • By debtaghh 1st Mar 18, 10:21 PM
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    debtaghh
    Well done, you're doing great.
    Debt 16th October 2017: Cc 49,987- family 37,561: total debt 87549

    Current debt: Cc 43,953 , Family 39,264 total debt 83,217

    Frugal living challenge # 10- 8000 presents/ food/ entertainment/clothes/shoes/haircuts
    • mumof3.12kindebt
    • By mumof3.12kindebt 2nd Mar 18, 8:41 AM
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    mumof3.12kindebt
    Eldest had his photo taken yesterday at school for his costume he was one of three out of the class of 35.
    Everyone commented on how good the outfit was and how amazing the make up was so points to the partner for doing amazing makeup/facepaint for him.

    Today we are just going to have a chill out day mainly . I'll get some stuff done around the house but we won't be going anywhere it's too cold at most we may go for a quick walk in the snow.

    I sent an item back for a refund but hadn't heard anything so emailed the company they are trying to track it down. Failing that I'll have to contact royal mail.

    Today I need to hoover. Do laundry etc.

    I'm also going to right a list of everything we want in our new house or everything we want to do to it. I think seeing it all and knowing what we want and hoping we will get a house and do everything to it to make it our dream home may help spur us on with saving .
    One thing I definitely want to put in is fitted wardrobe In all the bedrooms. I'd like to fit a whirl pool bath in the bathroom as the jets will really help with my muscles. And I'd like a kitchen / dining room or do an open plan conversion so we have a kitchen and dining area in one room. I'd eventually like to add a utility room and downstairs toilet and eventually possibly a loft conversion. those are the main things. And that would be a perfect family home for us.

    So ultimately once we have brought we need to continue to save for another 4/5 years for the extensions / conversions as I won't do them unless we have the money in the back to pay for it. I will not be remorgaging or taking out loans etc. I hope to move before eldest turns 14 (which would be in line with our 5 year plan) and then do the loft conversion by the time he's 18 youngest will be 8 and middle child 12 . Other than a loft conversion the other option would be to use the savings towards a bigger property. Either way by the time eldest is 18 I'd like 4 bedrooms so the children have a bedroom each.
    Ultimately the quicker we move the quicker we will be paying off a mortgage instead of renting and the quicker we can save to do whatever option we choose regarding the aim for 4 bedrooms. This is providing we don't go for a part buy and one of the reasons I don't want to go down the part buy route.

    Also another positive. I've been on my medication for my bipolar for the longest amount of time without stopping or missing any since being prescribed it 12 months ago. I'm in week 5 now and Im feeling better already.

    I want to look for full time employment next year depending on what I'm studing and how much time I have. I Have considered staying where I am and signing up with an agency to get some extra hours. Or doing some cleaning or registering as a child minder. I'll just see how I feel nearer the time.
    • mumof3.12kindebt
    • By mumof3.12kindebt 2nd Mar 18, 10:08 AM
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    mumof3.12kindebt
    we have done away with a TV in the lounge for a few months now. We have a projector. And use it for about an hour a day or too watch films as a family or me and my partner watch a film once the kids have gone to bed occasionally. I don't think id ever have a TV in the lounge again. We have one in our bedroom but again it's rarely used. Since getting rid of the telle. The kids are playing more eldest will willingly read each night and sometimes during the day at weekends. In the summer they will spend much more time outdoors. And we are spending alot more time as a family. Playing board games has become a regular thing.

    I'm currently sat under a blanket about to read my book. I hope to finish it before the end of the month. Baby is asleep. Two boys are playing together nicely in their room.
    Life has changed so much in the last 12 months. And everything has been for the better. We no longer go to town every weekend wasting money on stuff that we don't really need. We no longer spend more than we have coming in each month. We actually have Savings and on average since December we have paid off 500 a month off our debts. We no longer have contract phones or subscription tv and we don't miss it.

    Life is good. And I'm enjoying our journey for the most part.

    That reminds me I still have the money in our box to order a national trust pass. I must do that soon.
    • mumof3.12kindebt
    • By mumof3.12kindebt 2nd Mar 18, 1:09 PM
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    mumof3.12kindebt
    Well done, you're doing great.
    Originally posted by debtaghh
    thank-you
    • mumof3.12kindebt
    • By mumof3.12kindebt 2nd Mar 18, 1:16 PM
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    mumof3.12kindebt
    we spent 70 in sainsburys yesterday on books for the eldest - he loves reading ... and junk food. this isnt a common occurance so much anymore but even so it needs to stop!

    apart from that slip up this month will be essential spends only

    once eldest has read the books we have brought him ill be taking a trip to the library with him and getting him a library card. he can take upto 12 books out at a time for 3 weeks and can renew online. he can read a book in a month (averaging 200-300 pages) so i think using the library is a must from now on.

    ill also be telling my partner about the ebook rental they do. we are very fortunate too have 2 libraries in our nearest city so we really have no excuse not to use their services, you can also rent dvds from their so this is really something i want to look into this month if possible . it will secretly save us a small fortune in the long run.

    ive also set up a social media page documenting our savings journey, which ive also found helpful
    • mumof3.12kindebt
    • By mumof3.12kindebt 2nd Mar 18, 2:41 PM
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    mumof3.12kindebt
    Work have just phoned they have got someone who lives more local to work to cover my shift as I'm the other side of town and my manager and deputy are worried about me driving back home late tomorrow night. It means I will loose a day pay but I really don't care. At least I'm not risking my life trying to get home from work.
    Tonight I have 3 more study things to do.
    I'm going to do at least one and then have a bath and an early night as the baby has been really unsettled the last few nights.


    Today has gone really slow. It been nice. I haven't got much done and I'm still trying to chase my parcel that seems to have gone missing

    Tonights plan.
    Tea and tidy up.
    Bath kids
    Do my course
    Have a bath.
    Snuggle in bed and watch a Film.

    The few days rest have done me good (how I was rota'd this week) but I cant wait to get back into work.
    I've decided to leave studying my degree for a while. I'm going to get all my nvqs providing I qualify for funding / 24+ loan. And once youngest is at school I'm going to do my access to higher education and then apply for mental health nursing. This is something I need to talk to DP about though because if I'm to go and d OK nursing he will need to be working full time.

    Today is a no spend day! First one in March. Hopefully the first of many.
    I'm going to take some time to read the frugal living thread and a few others to get some more tips on how we can cut back so we can save more.
    • mumof3.12kindebt
    • By mumof3.12kindebt 2nd Mar 18, 8:37 PM
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    mumof3.12kindebt
    myself and my partner were happy to discover what we should be able to afford regarding buying a house, especially if we are prepared to move a half hour drive away, and depending on the deposit amount as early as the end of next year. it really was refreshing and just what i needed to spur me on to keep going.
    • mumof3.12kindebt
    • By mumof3.12kindebt 3rd Mar 18, 4:05 PM
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    mumof3.12kindebt
    having today and tomorrow off due to the snow. If I've worked it out right I'll be 1 shift down in wages, so hopefully I can get an extra shift at somepoint this month to break even.
    I've started a spreadsheet for this year's finances.
    Yesterday was a NSD today will be a NSD and hopefully tomorrow.
    I'll need to get fuel and electric Monday. I also need to look at switching my electric to a direct debit. Like the rest of my bills.
    I'm in work 4 days out of 7 this week.
    We have a had a chilled day. And I haven't really done anything other than play a board game with the eldest and do Lego with the two boys. and seen to the kids and ran a bath for myself.
    • mumof3.12kindebt
    • By mumof3.12kindebt 3rd Mar 18, 8:13 PM
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    mumof3.12kindebt
    just watched some of mrs doubtfire with the kids.

    ive just joined the 10 a day challenge. i am to make 200 in march . most of this will be overtime 180 would be one extra shift a week . im really starting to consider signing up with an agency to get some extra hours .
    • mumof3.12kindebt
    • By mumof3.12kindebt 3rd Mar 18, 8:55 PM
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    mumof3.12kindebt
    ive done a spreadsheet and worked out if i want to hit 16k saved by the end of the year how much i need to save. and to do it i need to make an extra 310 a month. i think i may be able to make around half in overtime between now and September and then once middle son is at school i think im going to try and and get some extra hours / get a second job, im really hoping to move sooner than later so the more we can save the better.
    • mumof3.12kindebt
    • By mumof3.12kindebt 3rd Mar 18, 9:11 PM
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    mumof3.12kindebt
    11. Save 50% towards a house deposit (15k) 3200 so far


    well i think ive worked out to achieve this one i need to up my income by 310 a month ... so i don't think that will happen but we will get as close to it as we can.
    • mumof3.12kindebt
    • By mumof3.12kindebt 4th Mar 18, 2:07 PM
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    mumof3.12kindebt
    This morning I've tided all the rooms. Cleaned the kitchen. Made flapjacks. Seem to the kids needs. Done 1 load of laundry. Made all the beds. Should be another NSD today. Hoping to get as many of those as possible this month
    • mumof3.12kindebt
    • By mumof3.12kindebt 4th Mar 18, 3:38 PM
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    mumof3.12kindebt
    tomorrow I need to
    Get petrol and electric
    Bread and formula and cereal
    And a present for my grandma as its her birthday on Friday.
    All budgeted for.
    • mumof3.12kindebt
    • By mumof3.12kindebt 4th Mar 18, 9:53 PM
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    mumof3.12kindebt
    Finished the day bathing all the kids and played Jenga with the eldest.

    Spent 40 on Amazon for two lots of ear defenders and the storage bags etc so need to update my spreadsheet tomorrow as I'm off to bed now.
    • mumof3.12kindebt
    • By mumof3.12kindebt 7th Mar 18, 9:05 PM
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    mumof3.12kindebt
    kept up with updating my spreadsheet

    done some more baking tonight after work. done 3 of 4 shifts this week.

    tomorrow i have off so im going to try and finish the hall, i need to get my grandmas birthday present. visit my nanna and take little one to nursery and pick him up,

    struggling on what to get the youngest for her birthday , think we will try and pop into town this weekend and see if we can find something.

    im still trying hard. i have had a refund for an item i returned , it was credited to my credit card which is what i originally paid off which has put my credit card in the plus, im going to wait till next week incase ive used it at any point and then ask for the money to be credited to my account and put the money in savings.

    i have no additional shifts next week. so i'm not banking on any overtime this month. but on the flip side i get to spend plenty of time with the kids and get to pick my eldest up from school which is rare these days.

    we are off to church again this weekend, and probably next weekend too.
    we have some more items to donate to the food bank too. i really want to hit 5k before the end of April. but its not looking very likely. on the flip side at least i only have my loan to pay off now regarding debt. swings and roundabouts i suppose
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