on my list of things i wrote i wanted to do this year was get a new flat, well today i did just that we went and viewed an awsome flat just across the road to where i live now it has 3 bedrooms and a huge frontroom the rent is 650 a month but its nice so we are going to go and put down the deposit and first months rent on tuesday and get the keys i know it was realy quick and we should probably have looked at a few other places first but i really liked it so we went for it as there is not alot around this area to rent at a reasonable price anymore.
this is gonig to screw up my whole budget and is going to mak paying off my debt and saving alot harder but i think i can do it i really need my own space now and so do the kids so its about time i made the jump and moved they will still be close to their nan and grandad so its not like there not going to see them anymore so all will be fine now ive just got to find the money to buy my furniture as i cant move tilll i have that.
Sunday 20 July 2008
london
so the trip to london wasnt as diffucult as i thought it would be we got to the hospital in good time and jon had all his tests pretty painlessly the hospital gave us a room to tay in which made the trip alot cheaper so after a rought nights sleep we went back to the hospital and jon went down to theater for his operation which went really well he was back on the ward drinkinghis milk an hour later by 5 we were being discharged and on our way home. we got back to where we live about half past 8 at night and put the kids to bed and i past out on the bed i was well tired.
the whole trip to london only cost us £100 instead of the £200 i thought it would so i was impressed even on a long trip like that i still managed to save some money.
the whole trip to london only cost us £100 instead of the £200 i thought it would so i was impressed even on a long trip like that i still managed to save some money.
Monday 14 July 2008
hospital today
so today is the day i take my youngest boy to the hospital for his catheter test operation in preperation for his big heart op next month this is going to be a big expence for me as i have to spend 3 days in london which certainly isnt a cheap place to eat or be in general for that matter im hoping that i wont spend anymore than £200 most of which will be on trainfare but if i can make it cheaper i certainly will as its an expence i can certainly do without at the moment but its an essential one so i will get over it i guess i will just have to try harder to save next week.
see you all in 3 days x
see you all in 3 days x
my finances
so today is the day i write about my financial situation its been at least a year since i last worked out how much i owe and im kind of dreading it but here goes.
provided £507 - paying weekely £10
egg credit card £700 - paying weekly £10
capital one credit card £610 - defaulted on 2 years ago has to be paid in full
vanquish credit card £1120 - defaulted on 2 years ago has to be paid in full
hsbc credit card £1700 - defaulted on 2 years ago has to be paid in full
i know it does not seem alot that i owe £4637 to be exact but 3 of these i have defaulted on and they have screwed up my credit report no end so i now need to save up to pay them off while i am also saving for the other things i need in my life like a new house and a car.
so now ive listed the debt here is my budget at the moment
i get paid weekly so my budget is on a weekly scale i get £550 a week and this is what i pay out
rent: £50
bills: £50
nursery :£90
shopping :£60
egg card :£10
provident:£10
total £270
this leaves me with £280 to save for all the things i need in the next year or so which are as follows....
my flat £4000 got £800
my car £1000 got £0
my debt £4637
a holiday £2000
total £10837
i could do thi in 40 weeks if i manage to save the whole £270 each week so i think i will set myself a target of 1st july 2009 to be totally out of debt and to have saved the money i need for the other things i want so i will be tracking my finances daily to see how i do with my spending and saving and hopefully finding a few money making ideas along the way to boost my income and make things a little easier for me and my family.
provided £507 - paying weekely £10
egg credit card £700 - paying weekly £10
capital one credit card £610 - defaulted on 2 years ago has to be paid in full
vanquish credit card £1120 - defaulted on 2 years ago has to be paid in full
hsbc credit card £1700 - defaulted on 2 years ago has to be paid in full
i know it does not seem alot that i owe £4637 to be exact but 3 of these i have defaulted on and they have screwed up my credit report no end so i now need to save up to pay them off while i am also saving for the other things i need in my life like a new house and a car.
so now ive listed the debt here is my budget at the moment
i get paid weekly so my budget is on a weekly scale i get £550 a week and this is what i pay out
rent: £50
bills: £50
nursery :£90
shopping :£60
egg card :£10
provident:£10
total £270
this leaves me with £280 to save for all the things i need in the next year or so which are as follows....
my flat £4000 got £800
my car £1000 got £0
my debt £4637
a holiday £2000
total £10837
i could do thi in 40 weeks if i manage to save the whole £270 each week so i think i will set myself a target of 1st july 2009 to be totally out of debt and to have saved the money i need for the other things i want so i will be tracking my finances daily to see how i do with my spending and saving and hopefully finding a few money making ideas along the way to boost my income and make things a little easier for me and my family.
Sunday 13 July 2008
Welcome
hi and welcome to my blog my name is julie and i decided after reading alot of american blogs about saving money and getting out of debt esspecially www.howisaveoney.net i would write my own from a british point of view as we have the same problems just in a differnt currency lol. im 21 and have 2 kids and have been thru the whole using credit to pay for things lark and now im in the process of trying to get out of debt save for a new flat and buy a car as well as saving an emergency fund for those rainy days iwould also like a holiday next year if i do really well but we will see i think thats just gonna be wishful thining tho.
later i will post about the type of debt i have and how much i owe and see what kind of financial state im in its kind of scary to think about as its something i ave not looked at for a couple of years now.
later i will post about the type of debt i have and how much i owe and see what kind of financial state im in its kind of scary to think about as its something i ave not looked at for a couple of years now.
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