This time last year I was walking into the estate agents to collect the keys to our house. After years of saving and months of paperwork, the moment I collected the keys was actually a huge anticlimax. There were no party poppers or anyone ringing a bell, not even a shake of a hand… the lady simply handed me an envelope containing a key. Despite the lack of ceremony, I was elated that the wait was finally over.
Suddenly that year has flashed by and we have made the house our home. Looking back at the whole process has made me realise that I learnt a lot, so here are my tips for anyone saving to buy, or buying, their first house…
As you know, I’m currently saving to buy my first house and my money saving ways are helping me to save as much as I possibly can. This month I hit one of my targets a month ahead of schedule and I paid off my car meaning I AM DEBT FREE! For the first time in ten years I am back in the black! I am incredibly proud that I’ve been able to do this whilst renting a house and saving money. It’s not been easy but I’m sure it’ll be worth it when it comes to buying a house.
The money that was going towards my car each month will now go into the house fund. I have also stumbled across a clever way to save even more money. At the start of September I stopped taking my purse to work with me, It’s such a small change that has made a big change. It’s prevented me from making impromptu trips to the sandwich shop at lunch time and stopped me nipping to Asda on my way home. Amazingly, it’s saved me an extra £100 in just one month. It just goes to show how easy it is to spend £5 here or £10 there on impulse purchases. I am amazed how much money I must have wasted in the last by buying rubbish I didn’t actually need.
Although I am being quite strict with my savings, I am of course still allowing myself to have treats here and there. I don’t think I’d cope without any treats so things like Groupon, Clubcard vouchers and Meerkat Movies all help me to still have a good social life without it costing a fortune. My clever spending also means I can still have a night out every now and again. If it’s a friends birthday and there’s a night out planned then I know I can go, I just won’t go mad and get a tan and new outfit like I used to. It’s great because I’m not having to make too many compromises and I’m still able to enjoy myself.
I’m excited that years of hard work are finally paying off and hopefully another six months of sensible saving will give us some extra funds. My goal is to be a homeowner before I turn 30 in June and I’ve already got a bottle of pink Veuve Clicqout ready and waiting. I’m hoping I get to open it before my birthday so between now and then I’ll keep you posted on how my savings are coming along and when we finally start looking at houses. I will of course continue to share all of my bargain deals and money-saving tips as well. Let me know if you have any money saving tips in the comments below.
Thrifty Clair x
June was an extremely busy month for me. I spent a lot of time celebrating my twenty-ninth birthday with family and friends; I enjoyed meals out, days out, and drank far too much prosecco! It was a brilliant, but also very expensive, month. I did get to enjoy lots of fabulous birthday freebies too so it wasn’t a total bank balance buster.
Continue reading “Countdown to owning a home & being 30!”