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AndyKent

Member

Registered: 3rd Sep 05
User status: Offline

31st Mar 10 at 18:41

Just being nosey really..........

How much do you currently have saved towards a house deposit, what is your target and when do you expect to reach it?

Saved : £20,000
Target : £25,000
Finish : Christmas this year

Pop

Member

Registered: 8th May 03
Location: Reading
User status: Offline

31st Mar 10 at 19:17

Out of interest have do you have other savings above and beyond your house deposit?

Pop

Member

Registered: 8th May 03
Location: Reading
User status: Offline

31st Mar 10 at 19:32

Oh and that's good saving so far, you'll be at your target before you know it.

AndyKent

Member

Registered: 3rd Sep 05
User status: Offline

31st Mar 10 at 19:39

Not really, only whatever the car is worth if I decided to downgrade. I guess when I say deposit I really mean "money saved for buying somewhere" that you can pay for fees/furniture/appliances out of.

Must add that a quarter of that came to me as an inheritance when my grandad died when I was a kid, so not all my savings.

dhanson08

Member

Registered: 29th Jan 09
Location: wakefield
User status: Offline

31st Mar 10 at 19:39

saved 23k
target 35k
19 at the minute hoping to reach my target by 21

[Edited on 31-03-2010 by dhanson08]

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

31st Mar 10 at 20:35

quote:
Originally posted by dhanson08
saved 23k
target 35k
19 at the minute hoping to reach my target by 21

[Edited on 31-03-2010 by dhanson08]

do you mind if I ask if you've had any help with that in terms of inheritance?

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

31st Mar 10 at 20:38

Target: £25k to include deposit, fees, initial furniture.
Saved: £250.
At my current rate of saving, it'll take me 8.3 years.

[Edited on 31-03-2010 by deano87]

dhanson08

Member

Registered: 29th Jan 09
Location: wakefield
User status: Offline

31st Mar 10 at 20:46

2.5k was from my mum at 17 since then i learnt the value of money and just saved it all.i dont drink or smoke.just a pretty borin 19 year old who banks his money.lol.

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

31st Mar 10 at 21:16

quote:
Originally posted by dhanson08
2.5k was from my mum at 17 since then i learnt the value of money and just saved it all.i dont drink or smoke.just a pretty borin 19 year old who banks his money.lol.

lol but I guess you've been working since 16? I've been at Uni so not had the chance really. I'm impressed - if everyone else was like you the world would be a better place!

dhanson08

Member

Registered: 29th Jan 09
Location: wakefield
User status: Offline

31st Mar 10 at 21:39

since 17.its not always a good thing being money motivated as when i lost a job before i suffered from depression as i wasnt earning money.lol.just set yourself a target and when you get to it set another one.but whereas im just a regular worker im guessin your studyin something good at uni and will earn a good income when your qualified.plenty of time to bank money yet m8

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

31st Mar 10 at 21:42

I'm working now mate. And no, Uni was a fucking waste of time. If I had gone into employment after A-Levels I'd be much further down the line in terms of finances.

dhanson08

Member

Registered: 29th Jan 09
Location: wakefield
User status: Offline

31st Mar 10 at 21:46

well better to make the mistakes now i guess.the main thing i want is a career instead of a job but cant be arsed with college/uni.

luciaadr

Member

Registered: 11th Aug 04
Location: Bexleyheath, Greater London
User status: Offline

1st Apr 10 at 12:42

Saved £30k towards my house. £2k help when I turned 18 i think.
Misses did the same, although she had £15k help. So £60k FTB deposit in total. BOOM. Turned a couple of mortgage adviser's heads.

I left uni with £6k so I saved for 3 years getting another £24K together.

Willays post in the "disposable income" thread basically summed it up. Its not what you earn, its how you spend it. We're no hermits, I'm just not flash.

Sidenote: I owe my lifestyle now to my degree, well worth it. Lifes what you make of it at the end of the day.

*Edited for clarity*

[Edited on 04-04-2010 by luciaadr]

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

1st Apr 10 at 15:04

i currently have 24k.

6k is my nans which i will pay back.
6k was from my girlfriends savings from when she was a child.

the house deposit is 17.6k
solicitors fees are 1.3k

dhanson08

Member

Registered: 29th Jan 09
Location: wakefield
User status: Offline

1st Apr 10 at 15:09

rest on furniture for your new place or have you been collecting stuff for a while.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

1st Apr 10 at 15:59

mrs parents are buying our sofa and a few other bits and my dad has given me 2k to spend on fridge/dinner table and other bits.

Tomnova16

Premium Member

Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
User status: Offline

1st Apr 10 at 16:07

that reminds me, need to buy a microwave

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter

Carl

Member

Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline

1st Apr 10 at 16:14

-10k, we owe her Dad for the deposit!

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

1st Apr 10 at 16:19

quote:
Originally posted by Tomnova16
that reminds me, need to buy a microwave

cheap in argos. got a nice breville stainles steel/black one for £53, bargains

ste_p23

Member

Registered: 29th Dec 08
Location: Hindley,Wigan
User status: Offline

1st Apr 10 at 16:23

I have £300

deano87

Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline

1st Apr 10 at 18:33

quote:
Originally posted by ste_p23
I have £300

May be we could chip in together. We'd be £550 closer

ste_p23

Member

Registered: 29th Dec 08
Location: Hindley,Wigan
User status: Offline

1st Apr 10 at 18:55

quote:
Originally posted by deano87

quote:
Originally posted by ste_p23
I have £300

May be we could chip in together. We'd be £550 closer

We have a deal my friend

Carl

Member

Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline

1st Apr 10 at 20:34

quote:
Originally posted by Ben G

quote:
Originally posted by Tomnova16
that reminds me, need to buy a microwave

cheap in argos. got a nice breville stainles steel/black one for £53, bargains

i got a nice 1 from argos. Cookworks stainless steel,half price at 45 quid.

Ben G

Member

Registered: 12th Jan 07
Location: Essex
User status: Offline

1st Apr 10 at 22:26

i was going to get that one carl but i bought a breville toaster and kettle and wanted it all matching. bit sad really but that's what i'm like

stuartmitchell

Member

Registered: 24th Apr 04
Location: Kirkliston, Edinburgh
User status: Offline

2nd Apr 10 at 15:57

Saved 38K so far, target is 50K by September, as a recruitment consultant and commission based I have to pray the placements dont f*ck up by the time I go back to work on Tuesday