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  • FIRST POST
    • rawr_
    • By rawr_ 31st Dec 17, 4:50 PM
    • 125Posts
    • 491Thanks
    rawr_
    Rawr_'s Saving Diary
    • #1
    • 31st Dec 17, 4:50 PM
    Rawr_'s Saving Diary 31st Dec 17 at 4:50 PM
    Tomorrow is the start of a new year, and I'm looking to save a lot of money over 2018!

    A bit about me... I live in a fairly rural area of Norfolk, currently living with my husband in his Mum & Dad's house (which they will be selling when we move out) whilst they are living in Scotland. This has been a big help for us while we save for our own house. We got married in October 2016, and have been saving for a house since then, and with a lot of scrimping and some extra help from family, we now have a deposit for our first home.

    Initially, I though "Yes! The scrimping is over!". Oh how I am wrong. My husband will be going back to Uni (won't be going until Sep 2019) part-time for 4 years, which means there will be some parts of it where we may be living on just my wage, as he will have to do some placements. I'm also 25 (DH is 29) and would like to start a family. I'm the higher wage earner of us both, so would like some money behind me before we start having a family so that I could have some decent maternity leave and not have to worry about going back to work too soon.

    I've started this thread to keep tracking of my spending, and hopefully make myself accountable for the things I do spend money on. I go through phases of splurging and having an "oh well you only live once" attitude, which I need to stop if I want to money proof for future plans!

    I'd also welcome any tips from anyone that may be going through a similar thing, with more than one thing that they need to save for!

    Happy saving!
    Debt as of August 2018: 11,035.57 | Current House Deposit: 18,932.02 | #77 Save 12K in 2018: 2561.81 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
Page 4
    • emincosi
    • By emincosi 19th Mar 18, 11:12 PM
    • 39 Posts
    • 171 Thanks
    emincosi
    What a great diary! Well done so far! I'll be following along if you don't mind
    Save 12k in 2018 challenge: 0/20k
    Save 100k by March 31st 2021: 22133/100k
    • rawr_
    • By rawr_ 20th Mar 18, 9:01 AM
    • 125 Posts
    • 491 Thanks
    rawr_
    Thanks emincosi I decided last night to move my diary across to the 'debt free diaries' area - as I didn't think it belonged here! http://forums.moneysavingexpert.com/showthread.php?p=74047454&utm_source=MSE_FS&utm_me dium=Email&utm_term=13-Mar-18
    Debt as of August 2018: 11,035.57 | Current House Deposit: 18,932.02 | #77 Save 12K in 2018: 2561.81 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 27th Jul 18, 1:09 PM
    • 125 Posts
    • 491 Thanks
    rawr_
    Reviving this thread!
    I'm reviving this thread as found the support really helpful before! So a little update on my savings diary...

    House
    We've still not found a house yet this year - we really thought this year was going to be the one but the housing market has been really quiet. I was getting a little worried as we are still living in my in-laws house rent free (they moved to Scotland and will be selling the house when we leave), but after speaking to them last week, they have signed a new rental agreement that leads them up to September 2019. This has put my mind at ease a bit, but I still feel under pressure, and to be honest we just want our own place now as feel like we are still living in someone else's house (they still have all of there stuff there).

    We're currently not touching the house fund, which includes adding anymore too it. Every month our transfer goes out for our Help to Buy ISA's so it matures 100 a month due to the bonus. Although I am thinking of rounding it up to a nice whole number to 19K this month but will see how my spending goes first!

    Budgets
    Budgets wise I think we have been doing ok-ish. I have a spreadsheet now every month that I set out my budgets, and any time I spend on my personal or joint account, I put it on the spreadsheet. I have no idea how I kept track of my money before this!! Last month went a little bit south, as we had an expensive vets bill, but all this meant was that we couldn't put as much into the savings account.

    Food
    Food shopping has gotten a bit ridiculous, theres only two of us and two cats which comes out of this too, so I want to get that back under control in August. I've been getting lots of quick meals and being lazy so this needs to be stopped. In my defence, part of that has been because I've been so busy at work - we are down a member of staff in my team so I've been taking on a lot more than usual, and the last thing I want to do it cook a meal from scratch (especially in this heat!!!).

    Savings
    So because of the vets bill our savings took a bit of a hit, but as of today I've hit 40% of my target with 2441.80 of 6k! Annoying that it would be nearly 3k if I hadn't had the bill but these things happen and the cats health is more important. I should however be up to 3K by the end of August, so that's something to look forward too.

    I hope you've all been enjoying the sun, it's been gorgeous here in Norfolk and it certainly makes up for us not going abroad this year
    Debt as of August 2018: 11,035.57 | Current House Deposit: 18,932.02 | #77 Save 12K in 2018: 2561.81 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 30th Jul 18, 1:20 PM
    • 125 Posts
    • 491 Thanks
    rawr_
    Week 35
    The weather has taken a bit of a turn, but I've been secretly grateful so that we could cool the house down over the weekend. We had a quiet one, lots of TV and laying around as I wasn't feeling too great, and a quick trip to The R*nge and Sainsbobs on Sunday. We needed a curtain rail for our bedroom as fed up of our blind that keeps breaking - I have some curtains under the bed from our previous place we can use, as didn't really want to buy anymore. Mr Rawr will hopefully do that this week, although will probably be the weekend now!

    I forgot a few things shopping on Friday hence the trip to sainsbobs, I'm out of the swing of things at the moment. Hoping to be a bit better next week. No other news to report as of yet. I got a couple of orders for some Save The Dates so that will be my focus once the card I need has arrived. The 'side business' has been ticking over nicely, although would be nice to get a few more orders now and again. My mum got made redundant last month so would be really good to get the orders up so that this could support her full time, but sadly it's not an overnight thing! We're not taking money out of the business at the moment as wanting to build it up and still buying little things we need - but would be great if she could make a drawing if he needed it.
    Debt as of August 2018: 11,035.57 | Current House Deposit: 18,932.02 | #77 Save 12K in 2018: 2561.81 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 6th Aug 18, 11:57 AM
    • 125 Posts
    • 491 Thanks
    rawr_
    Week 36
    Current Savings: 2561.81 (42.70% of 6K)
    Current House Savings: 18,932.02
    Expendable Income left: 217.42
    Food Budget left: 110.08


    Hope you all had a fab weekend. It was another weekend spent in for us. We've been looking at holidays, as we are getting fed up of not having a proper holiday so are looking to go away in Feb for some Winter sun. It always gets to February time and we start getting fed up of the Winter dreariness, so are just looking to go to Fuertuventura for a week self catering. I'm not looking to dip into the savings to pay for this; instead 300 is coming from Mr Rawr which was money given to him from his mum, and I'll pay the other half out of my personal spending account. At the moment, I have 217 left of expendable income until 25 August, so the less I spend of that, the more can go towards the holiday.

    Savings are on track, another 100 of Mr Rawrs Standing order on Friday, and I got a nice energy cashback payment which I shoved in their too.

    I've over spent on food I think so far this month, so will have to reign it in to cover the last two weekly shops of the month, which should be easily done.

    It's my birthday this Wednesday, it'll be a quiet one as not a special number or anything. Will probably go shopping in Norwich on Saturday and get some lunch from somewhere.

    Have good weeks!
    Last edited by rawr_; 06-08-2018 at 11:59 AM.
    Debt as of August 2018: 11,035.57 | Current House Deposit: 18,932.02 | #77 Save 12K in 2018: 2561.81 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • Westie983
    • By Westie983 7th Aug 18, 10:01 AM
    • 4,495 Posts
    • 15,042 Thanks
    Westie983
    Hi,

    I have moved this thread to the DFW - Debt Free Diaries sub forum.

    Board guides move threads when they feel they will get better response or are better suited elsewhere, or easier for others to find..

    Westie983
    Save 12k in 2018 #10 Total (25,000)+13,000/12,000 = 108.33%
    Sealed Pot Challenge ~ 11 #97 Total (410) + 40/500 = 8.00% ( x 11)
    Xmas 2018 1 a Day #2 Total 62.59/365 = 17.14%
    Virtual Sealed Pot #1 Total 1200/1000 = 120.00%
    2 Savers Club 2018 #16 Total (1500)+-470/2000 = 51.50%

    Total 15,332.59/15,865 = 96.64%

    I'm a Board Guide on Budgeting & Bank Accounts, Debt-Free Wannabe, Disability Money Matters, and Savings & Investments. I'm a volunteer helping the boards run smoothly, but I'm not a moderator, and do not read all posts. If you see an inappropriate/illegal post then email forumteam@moneysavingexpert.com
    • rawr_
    • By rawr_ 7th Aug 18, 1:19 PM
    • 125 Posts
    • 491 Thanks
    rawr_
    Thanks Westie - I did wonder if this was in the right place - thanks for your help
    Debt as of August 2018: 11,035.57 | Current House Deposit: 18,932.02 | #77 Save 12K in 2018: 2561.81 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 9th Aug 18, 10:58 AM
    • 125 Posts
    • 491 Thanks
    rawr_
    Yesterday I celebrated my 26th Birthday

    I think birthdays are great for reflection and me and Mr Rawr had a really good chat about what we'd like to achieve in the next year. We're obviously hoping to find a house within the next year, but we're also hoping that we'll reach that 6K by Christmas and then we can start trying for a little Rawr! This is exciting for me. I've always wanted to start a family, and feel like I've waited a long time already!

    So the next few months focus will be saving as much as we can, and also me eating as well as I can and generally being a bit healthier. That's after we've finished the birthday cake...
    Debt as of August 2018: 11,035.57 | Current House Deposit: 18,932.02 | #77 Save 12K in 2018: 2561.81 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • ftbwannabe
    • By ftbwannabe 9th Aug 18, 11:21 AM
    • 61 Posts
    • 222 Thanks
    ftbwannabe
    Happy Birthday! And how exciting that mini-Rawr is getting closer! Hope you had a wonderful day.
    Debt Free Wannabe since 1st August 18
    CC1: 100.83/8,839.83 | CC2: 79.47/1079.23 | CC3: 182.92/182.92 | CC4 100/2446.33 CC5 0/4280
    Student Loan 1: 83.28/656.92 Student Loan 2: 25.51/808.60
    Total Repayments: 572.01/17,472 | Outstanding Debt: 1689.99
    • rawr_
    • By rawr_ 9th Aug 18, 11:31 AM
    • 125 Posts
    • 491 Thanks
    rawr_
    Thanks ftbwannabe it was an ok day, I was at work but looking forward to celebrating on the weekend! And I think the best present was knowing that I might not have to wait too much longer yes!
    Debt as of August 2018: 11,035.57 | Current House Deposit: 18,932.02 | #77 Save 12K in 2018: 2561.81 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
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