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  • FIRST POST
    • rawr_
    • By rawr_ 31st Dec 17, 4:50 PM
    • 148Posts
    • 506Thanks
    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 September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 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
    • 148 Posts
    • 506 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 September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 27th Jul 18, 1:09 PM
    • 148 Posts
    • 506 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 September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 30th Jul 18, 1:20 PM
    • 148 Posts
    • 506 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 September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 6th Aug 18, 11:57 AM
    • 148 Posts
    • 506 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 September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • Westie983
    • By Westie983 7th Aug 18, 10:01 AM
    • 4,570 Posts
    • 15,090 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 (25000)+15300/12000 = 127.50%
    Sealed Pot Challenge ~ 11 #97 Total (410) + 40/500 = 8.00% ( x 11)
    Xmas 2018 1 a Day #2 Total 93.07/365 = 25.49%
    Virtual Sealed Pot #1 Total 1200/1000 = 120.00%
    2 Savers Club 2018 #16 Total (1500)+-470/2000 = 51.50%

    Total 17,663.07/15865 = 111.33%

    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
    • 148 Posts
    • 506 Thanks
    rawr_
    Thanks Westie - I did wonder if this was in the right place - thanks for your help
    Debt as of September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 9th Aug 18, 10:58 AM
    • 148 Posts
    • 506 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 September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • ftbwannabe
    • By ftbwannabe 9th Aug 18, 11:21 AM
    • 180 Posts
    • 605 Thanks
    ftbwannabe
    Happy Birthday! And how exciting that mini-Rawr is getting closer! Hope you had a wonderful day.
    saving for house-buying costs 1632
    emergency fund 150//1330
    debts 1229.6/17,483 | Outstanding Debt: 16,253.40
    • rawr_
    • By rawr_ 9th Aug 18, 11:31 AM
    • 148 Posts
    • 506 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 September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 15th Aug 18, 9:27 AM
    • 148 Posts
    • 506 Thanks
    rawr_
    Week 37
    Current Savings: 2661.81 (44.36% of 6K)
    Current House Savings: 19,032.02
    Expendable Income left: 197.97
    Food Budget left: 27.84


    Happy with how the savings are going so far - plus the house fund has hit the 19K mark We're off to see a house tonight, which is the first one we are looking at since around April time so we are quite excited and have got our hopes up far too high as usual!

    Expendable income wise I'm doing very well for me as I only have until 25th to payday - but the downside is I seem to have spent in the food budget instead will need to sort this out next month. I know exactly what it is - I did an online shop a a specialist store and it cost as much as a weeks shop but you don't get a lot. Won't be doing that again anytime soon. I think I'll have to get the shopping and cat food on Friday out of my money - which will hopefully make me not spend too much as it's out of my personal account. Anything left over will go into the savings, which at this rate should be over 100

    Who knows, we could be putting in an offer for a house come tomorrow!
    Debt as of September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • ChasingSunshine
    • By ChasingSunshine 15th Aug 18, 10:20 AM
    • 144 Posts
    • 1,043 Thanks
    ChasingSunshine
    Well done on the savings. Fingers crossed for the house tomorrow.
    • rawr_
    • By rawr_ 17th Aug 18, 12:43 PM
    • 148 Posts
    • 506 Thanks
    rawr_
    Thanks ChasingSunshine, we put in an offer and it got declined, but to be honest as it hasn't got central heating I don't think we want to pay anymore than offered as we'd have to save to do the work ourself when we could. Think it might be a good idea to let this one slip by, and we don't 'love it'.

    Mr Rawr's weekly 100 went in today so now at 2761.81 (46.03% of the way!). My accounts still looking good although I forgot the other day that it's Mr Rawr's 30th end of September, and I'm looking to spend more than what I usually would on him, which means the extra won't be going into savings after all - but I'm still happy with how we are doing. Also need to start putting a bit aside for the dreaded - wait for it - Christmas , so that it doesn't hit too hard when it comes. I don't need to buy for too many people, but it can still get costly.

    Hope everyone is having good weeks!
    Debt as of September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 27th Aug 18, 8:33 AM
    • 148 Posts
    • 506 Thanks
    rawr_
    Week 39
    UPDATE
    Current Savings: 3096.58 (51.61% of 6K)
    Current House Savings: 18,693.83
    Expendable Income left: 298.71
    Food Budget left: 278.79


    Happy bank holiday Monday everyone

    I missed last weeks update as I wasn't very well and was off work for a couple of days. Nothing major, think half of it is being run down.

    Current Savings: Yay we're now just over half way!! I'm so happy to have hit 3K, feels like such an achievement.

    Current House Savings: I totally messed this up the other week when I was working it out, and turns out we have a little less than I thought! I must have just missed a number somewhere. We have the money split across three accounts (a normal savings account, and each have a help to buy ISA) and include the help to buy ISA bonus. We're still fine though with the number so not worried. Talking of house news, we think we've found one! We viewed a couple on Saturday, and have decided we're going to put an offer in on one of them. The estate agents aren't open until tomorrow so I'll be calling up then. But theres no chain either so we could be in before Christmas!

    Expendable income: So it was payday on Friday so it's all back to a nice big number I think I need two news tyres for the car this month, as think the treads a little too worn, and want to get it sorted before the Winter months arrive. Apart from that, have Mr Rawrs birthday end of September - but I have said that if we end up getting a house he may have to wait for his big gift until everything's gone through to be on the safe side.

    Food budget: Did the weekly food shop on Friday - manages to keep it quite low and sent 51.06 in Mr T's. That includes cat food! We have quite a few bits and pieces in the house, so I'm hoping this means a few cheaper shops this month. I keep meaning to go back to Ald! but I keep finishing work late on a Friday, and Mr T's is closer to where I need to pick up Mr Rawr from work!

    Everything else is ticking along really. There was a job vacancy I was really interested in, which is like the next step up to what I do now, but can't really go for it because of applying for a mortgage... so think I'm going to have to let this one go. Who knows, it could come back up in the future. I like my job, but we're one person down in our team at the moment, and have quite a big workload, with no immediate intention of getting anyone else in any time soon. So I'm stressed and a little annoyed with it all at the moment. Hopefully it will all calm down in the next couple of months!!

    Anyone else been cold? I keep getting tempted to put the heating on, but I'm one of those people that usually refuses to but the heating on any earlier than 1st November!
    Debt as of September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • Homegrown0
    • By Homegrown0 27th Aug 18, 10:35 AM
    • 228 Posts
    • 1,009 Thanks
    Homegrown0
    Just wanted to stop by and say hello. I read through your diary this morning, and looks like you're going great guns with the saving.

    I think it's a great idea getting these savings behind you before starting a family - I did before my first son but my second son was a surprise and we'd just moved house when he arrived (so spent most of our savings!) so that was a lean mat leave. Also worth considering (and I'm sure you have) what your childcare arrangements will be when you go back to work, or if you go part time then factoring in the drop in income.

    We could never have imagined the cost of having two kids in full time childcare for 20 months. I still feel ill at the thought...
    • rawr_
    • By rawr_ 27th Aug 18, 1:29 PM
    • 148 Posts
    • 506 Thanks
    rawr_
    Hi Homegrown thanks for stopping by!

    I'm the higher wage earner so having savings behind me is the only way for me to have a decent time off for maternity, and still be able to live the way we do. I'll obviously cut back as much as possible, but I still want to be able to meet my friends for coffee etc too!

    I kind of have my child arrangements sorted out. Me and the hubby are going to do the shared parental leave thing, so I'll have the first 6 months, and he'll take the rest. After that, my mums going to be a big help with childcare at least a couple of days a week (I realise how lucky I am with this!) and for the other days, I will have a work from home day, and maybe have one day a week childcare to socialise them a bit.

    Wow that must have been a struggle with your second - especially with moving too! I don't know about you, but I get a little fed up of people telling me it doesn't matter and we'd find a way to make it through. I didn't want to be worrying about money as well as having my first baby where I'd have no idea what I was doing

    Any more tips I'd be hugely grateful!
    Debt as of September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • Homegrown0
    • By Homegrown0 27th Aug 18, 3:56 PM
    • 228 Posts
    • 1,009 Thanks
    Homegrown0
    Hi Homegrown thanks for stopping by!

    I'm the higher wage earner so having savings behind me is the only way for me to have a decent time off for maternity, and still be able to live the way we do. I'll obviously cut back as much as possible, but I still want to be able to meet my friends for coffee etc too!

    I kind of have my child arrangements sorted out. Me and the hubby are going to do the shared parental leave thing, so I'll have the first 6 months, and he'll take the rest. After that, my mums going to be a big help with childcare at least a couple of days a week (I realise how lucky I am with this!) and for the other days, I will have a work from home day, and maybe have one day a week childcare to socialise them a bit.

    Wow that must have been a struggle with your second - especially with moving too! I don't know about you, but I get a little fed up of people telling me it doesn't matter and we'd find a way to make it through. I didn't want to be worrying about money as well as having my first baby where I'd have no idea what I was doing

    Any more tips I'd be hugely grateful!
    Originally posted by rawr_
    Sounds like you've got some good strong plans in place

    You're right, it's irritating when people think they know it all. For what it's worth, yes it's likely that you'd make it work if you had a baby and were financially unprepared (many do!) but what's 6-12 months out of your life to prepare and save before the time comes? Do what's best for you!

    In terms of advice, I have no idea! haha I just stumbled my way through it all (and continue to do so 6 years on) but you'll find your own way with the help from others.

    Great news on the childcare front that you'll get some help from your mum. Both mine and my husband's parents both work full time still, so the decision was between me going back to work full time or not at all. I'm the higher earner in our household too (plus I love my job!) so it wasn't really a decision to be made. We make it work and we're all happy to that's all that matters. Skint, but happy! haha
    • rawr_
    • By rawr_ 28th Aug 18, 10:49 AM
    • 148 Posts
    • 506 Thanks
    rawr_
    Ahh that's really nice to hear that everything worked out for you

    And I agree, 6-12 months for my peace of mind is nothing and if it means I'm going to be stressing a little less, I'm all for it. I realise people can muddle through, and like you said I'm sure we would be able to if we were unprepared but I didn't want to if I could help it!
    Debt as of September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • rawr_
    • By rawr_ 30th Aug 18, 5:08 PM
    • 148 Posts
    • 506 Thanks
    rawr_
    So big news!

    We had an offer accepted on a house this week so we are going through the early painstaking motions of buying a house! The other day I'm sure I have never felt so stressed in my life. Now the solicitor has been sorted and we've done our mortgage application with the broker, I've calmed down a bit as I've pretty much done my bit. Theres no chain, so all being well we should be in by November latest - earlier if they pull their fingers out!

    This does mean it's put a hold on the baby plans for now - but this is fine. Will take me longer to save up the other half of the money we need now that we'll have a mortgage, but it will all be worth it in the end!

    I'm not looking forward to packing all our stuff and moving it, but I am looking forward to us having our first home and being able to do what we want with it. Plus the kitchen is to die for!!

    We'll be discussing over the next few days as to when we should stop Mr Rawr's payments into the savings account - will probably be when we get a completion date. I'll defo be having a drink this weekend to celebrate!
    Debt as of September 2018: 10,706.15 | Current House Deposit: 17,755.83 | #77 Save 12K in 2018: 3500.31 / 6000
    Comp Wins 2018: Easter Tote Bag & Egg
    • ftbwannabe
    • By ftbwannabe 30th Aug 18, 6:57 PM
    • 180 Posts
    • 605 Thanks
    ftbwannabe
    How exciting! Terrific news, congrats!
    saving for house-buying costs 1632
    emergency fund 150//1330
    debts 1229.6/17,483 | Outstanding Debt: 16,253.40
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