• Blog title graphic with two images either side of a white box. Image on the left is a person handing some keys over to another, as though they have just completed on a house, the image on the right is a person crunching numbers on a calculator. Text in the white box reads Saving uo fir our 5% house deposit making life easier with mortgage calculator uk
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    Saving up for our 5% house deposit – Making life easy by forecasting for payments

    A few years ago I mentioned that we had both started saving in a help to buy ISA. We wanted to buy a house local to us, and stop renting the house that we lived in as it was cold and damp. We were planing on putting up with it until we saved enough to buy, saving our house deposit quickly. But the year after I wrote about it, Spike started school and we didn’t want to put her through breakfast and after school club daily. So we moved to Lancaster, to be closer to work and have a better work-life balance. Clearing our debts and saving more When we…

  • Managing money and savings when you have a family. Image is blog title with money in jar with a plant growing out of it and a screenshot from the app MoneyWiz 3
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    Managing money and starting to save – top tips for forecasting your spend and stop living month by month

    If you had mentioned the idea of doing a post about money on my blog just a couple of years ago, I probably would have laughed in your face. Me and T have never been overly careful with money. We lived month by month and had credit cards and store cards. A few years ago, just after we had Spike in fact, we started talking about saving for a house. But it seemed so unrealistic at the time. Managing money wasn’t even in our vocabulary! Our situation when we started saving Renting our house, paying off old debt and spending more than we made. They are all traps that get…

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    Jumping into action – kickstarting our house savings with a Help to Buy ISA

    In January I wrote a post about the year ahead and things I wanted from it. In that post, I mentioned I had started a Help to Buy ISA and I wanted to write more about what that means for those who may not know. Essentially, the most important thing when it comes to buying out own home is money. We could save a tiny bit each month ourselves, buy a run down terrace house and spend the net ten years rebuilding it. But I would probably hate the work involved and it would cost loads. I know what state our previous rental was in, and the current one isn’t…