Motivation Monday: Saving For A House

For the month of April I have decided to turn every Monday into Motivation Monday, that’s 4 opportunities to spread a bit of positivity and motivation around. Monday is by far the least favourite day of the week, it’s the first day of a long working week where no one is really feeling inspired, which means it’s the best day to share with you guys how I keep motivated for different things. Also, Motivation Monday sounds far better than Motivation Wednesday.
Today’s motivation is about saving money and the end goal which I hope to have, a house. Paying off our Wedding and saving for a house is what our lives revolve around at the moment and keeping motivated is so important. This is how I do it…

Creating a spreadsheet
Having a spreadsheet of figures may seen daunting but once you see it build and build, it’s incredibly rewarding. Decide how much you need to save, decide on a time frame and divide those by eachother to see how much you’ll need to put away each month. Record your progress down on a spreadsheet so that you can see the money growing not only in your bank account, but in a space where it’s clearly laid out showing how far away you are from your goal. Remember to make your goals achievable, save what you can afford to save and don’t put the pressure on yourself to do it quickly. It will grow over time and the more it does the more motivated you’ll feel to keep going. All things take time.


Be smart with your money
Deciding between a need and a want is how you’ll get to your goal quicker. It’s such a feel good feeling to decide to save £30 by not having a take out pizza but having something home cooked. That £30 will be going into your spreadsheet helping you get closer to your goal. I’m not at all saying don’t have a take away ever again, but it’s good to think about those wants and needs and turning your weekly take away night into a monthly one.
Get a hobby
Finding a hobby to keep busy with distracts you from the want to go shopping to fill up your Saturday afternoon. Avoid Topshop and Superdrug, why not go for a work out or do a little bit of home DIY. Sometimes money can be spent purely out of boredom, so distract yourself from boredom with a hobby, a list of tasks or something fun that costs next to nothing (or nothing!). The satisfaction of a money spending free weekend is great.
Reward yourself
Saving money and keeping motivated to do it can be hard so why not treat yourself once a month. Spend £20 on getting your nails done, or £10 on a new top. A little reward never hurt anyone and it gives you a little boost every now and again. Eventually you may even get to the point of not wanting to reward yourself, I however, am not at the stage yet. A treat now and again keeps me going strong!

Let the bank reward you
Look into getting a ‘Help To Buy ISA’, you can read about it here. But it’s an ideal way to gain a little more money on top of what you’re saving. Might get your that house a little bit quicker…
Remind yourself what you’re doing it for
If I ever feel demotivated and in a state of missing having a nice amount of disposable income I remind myself why it’s all locked away in a bank account and not hanging in my wardrobe. I like to remind myself that one day I can own my own house, paint the walls, hang up picture frames where ever I like and put nice wooden flooring down. All things you cannot do in a rented property. I also remind myself that I am setting up a future for when I am married and having children with Brendan, it makes the saving worth it. Forward thinking is my favourite past time.
If you have any tips on saving or any ways that you stay motivated when it comes to saving money, let me know in the comments!
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14 Comments

    • April 4, 2016 / 7:40 am

      I'm glad it was helpful! A spreadsheet is so good, you watch it grow and there's no temptation! However when I see it grow in my bank account the temptation to go to Topshop is real haha good luck with your saving lovely 🙂 xxx

  1. April 4, 2016 / 7:52 am

    This is a great blog post Hun , I'm also at the age where I feel like I need to definitely start saving for a house but it can be hard especially in England ! Will take these tips on board

    Lorraine
    Lorrainewhitney.com xx

  2. April 4, 2016 / 8:09 am

    It is difficult but so worth it! Good luck saving 🙂 xxx

  3. April 4, 2016 / 12:15 pm

    Ahh Hayley I absolutely love this post so much .. It was such a good read on my lunch break hehe!! I am in the process of saving for a house .. And have the Help To Buy ISA set up… It will definitely help!!! You have some fab tips girly!! I definitely agree with treating yourself every now and again too… I have been so good with my saving .. But I had put some money aside this month that I bought some new makeup with as a treat!! Yay!!

    Saira
    http://www.throughtheglitterglass.wordpress.com
    Xxx

    • April 5, 2016 / 4:05 pm

      Glad you enjoyed it! 🙂 treating yourself is so important! It's rewarding and no one can truly go a long time without buying a cheeky bit of make up 🙂 xxx

  4. April 5, 2016 / 1:16 pm

    I love this new blog series idea Hayley!! I always keep a spreadsheet with my in-comings & out-goings on so I can see them clearly. I have the house but I now have the challenge of learning how to manage my money with a mortgage and bills. It's definitely going to be a lifestyle change once I move in but one I am excited about.

    Good luck lovely!

    Talisa xo.
    wwww.talisatells.co.uk

    • April 5, 2016 / 4:07 pm

      Thanks so much! 🙂 make sure you're back Monday at 8am for round 2! I'll definitely need my spreadsheet more so when I have a house. You need to be careful with what you spend when you finally get the mortgage 🙂 good luck with moving in! I am excited for you 🙂 can't wait for that excitement when we find somewhere 🙂 xxx

  5. April 5, 2016 / 1:20 pm

    This was such a helpful and inspiring post! I don't live in the UK but these tips can definitely help 🙂 Thanks so much for sharing what you and your husband do!
    Xx, Maegan
    http://www.maeganmariee.com

    • April 5, 2016 / 4:07 pm

      You can adapt them into any saving situation 🙂 they're generally just good saving tips! I'll keep it up even when I finally buy a house 🙂 xxx

  6. April 5, 2016 / 1:51 pm

    Really helpful post. I like the idea of a spreadsheet, but I would worry I would focus too much on figures. I have decided to start taking cash out and having an allowance each week almost, as my over spend comes in when money hasnt come out of the bank yet and I think I am rich still. I am looking in to those ISAs at the moment, it is a long way off until I buy a place but thought it was a sensible idea to start saving what I can each month. Good luck with yours. KBxx

    http://www.beautybykaris.com

    • April 5, 2016 / 4:08 pm

      That's actually what my mum told me I should do but I'm not a cash carrying kind of person. I bet it works wonders though 🙂 thanks for sharing lovely! Xxx

    • April 7, 2016 / 7:21 am

      You're welcome! You're totally right with that, saving can takes ages and you forget what it's all for! I have a look at houses online to keep me going haha xx

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