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I can see the light at the end of the tunnel, now my saving journey begins!
I am nearing the end of my debt free journey with just 48 days to go before I reach financial freedom! Its been a long time coming and I have hit many bumps on the road to get here. As I am close to paying off the last part of my debt I have been thinking about what to do and how I can get there in terms of my goals when I…
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How much have you saved???
Just a quick comment about this section of the forum. I visit here from time to time interested in how people save, sometimes from lower incomes. However, people rarely seem to talk abut figures, amounts saved and how they achieve them. Maybe I am missing the point of this part of the forum. Many of the posters write…
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Cosy blanket
I just wanted to introduce myself and tell you a bit about my thoughts and goals. I normally spend time on the MFW bored and have been putting money towards overpayments on my mortgage but I have in the last few weeks come to the realisation that before I continue I need to ensure we have a nice cosy security blanket and a…
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Living life on my terms..
Over recent years I've come to realise that I need to start living life on my own terms and to stop trying to meet other peoples/societies expectations. For a while, I was constantly putting myself under unnecessary pressure in many areas of my life, thus creating extra additional stress that then started to affect my own…
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Magazine subscriptions
My first post, sorry if I don't know the conventions. If you took advantage of a very attractive introductory magazine postal sub (70% or more off) and were annoyed to be kicked off the reduced run-on price, when far better offers were still being offered to new subscribers, you could try this. Let the sub lapse, buy the…
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2023 Challenge!
Hello savers! As a forum ambassador for this board I thought it would be a good idea to have ourselves a little saving challenge. Everyone here is so supportive and encouraging and I’d like to keep that going with a little added competitiveness 😀 there won’t be a physical prize as such but there will be a monthly…
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Get a grip !
.....25/11/2018 ...... I have decided to update as its been ages since I started this thread and so much has changed including my priorities..... We gained a puppy after starting this thread and although she is a handful she has given me something to focus on and to get up for each day. DS split from one long-term gf and…
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Many may not see this RAC cover part of car insurance...
My renewal was due with LV. I haggled that RAC were nearly £100 cheaper. They would not budge much. When I went to RAC I noticed they let you add RAC recovery really cheaply (even free sometimes) then I realized that I pay £13.00 a month for my RAC cover already. By joining RAC Insurance I saved around £80 for the policy.…
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18 months later - help!
I am in such a pickle of entirely my own doing. Myself & my boyfriend moved in with his parents at the start of the pandemic - one so we could all be together throughout the craziness but two so we could save for our first house. 18 months later and we’ve foolishly saved then spent, saved then spent. We had an idea that…
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ADT discount
I have just received notice that ADT want to put up my monthly fee from £31.47 to £36.66 (or £377.64 to £439.92 p.a.). I called to say I wasn’t happy with that and that another firm is offering a similar service at £26 a month (£312 p.a.) and was happy to cancel my contract. Got put through to customer retentions and they…
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PinknSparkly's Mortgage Wannabe savings dairy
So this is a savings diary with the intention of getting my husband and I into debt (i.e. a mortgage) as soon as possible :) I am currently finishing up a PhD and as such we won't be in a position to apply for a mortgage until I have been employed for at least 6 months. In addition, I am now at the fun stage of my PhD…
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Christmas is covered
By saving 1p today, 2p tomorrow, 3p the following day and so on. I now have Christmas covered. I work from Nov 1 to 31 Oct and I now have in excess of £500! I've still a little over a month to go but now I'm into £3.00 plus today it's getting difficult 😓
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Homemade Cake
How To Make Homemade Cake?
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Focus
Hiya, another newbie.. I've been casually saving for a long time now, little bits here and there - but it's time to put some proper effort in! It seems these days I take more money out of my savings than I put in :| Two simple goals to start: * Learn how to properly track my spending (or potentially find an app?) * Get to…
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Ready for the next stage!
Hi everyone :) Things have been a bit stressful around here lately (as they have been for everyone!)- I'm in my second year of an msc and I'm juggling placements, assignments and a research project, as well as a lovely 2 year old- and we've let spending get a bit out of hand. I've started using Emma to track our spending,…
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Hold me accountable
Hi, I'm new here... Well that's not true I have lurked for many many years whilst promising myself I will get my sh*t together. Well I never have im addicted to spending and no matter how much myself and my husband earn we always seem to live outside our means. Well enough is enough, we want to buy our beautiful house and…
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Head out of the sand. Saving for a shiny future
I’ve decided to do a shiny savings diary. I always considered myself good with money and relatively frugal... until I actually analysed my spending... oh boy 😬 I was NOT. Turns out I spent at least £500 a month on “stuff” and over £250 a month on food (for a single person!). I’d been buying anything I wanted as soon as I…
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CyclistDreams - House deposit diary
Morning all! Hoping this is the best place to keep a copy of my road to a house deposit! Thought If i posted here and keep it updated, it will help motivate me to hopefully save more. I'm currently saving for my first house. I found one that i really loved last year, but after speaking to a broker I didn't have enough of a…
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Gifting of my Tax Allowance to Husband
Thank you for the prompt Martin. Today I contacted the Inland Revenue and asked for my tax allowance to be passed to my husband. What a result as it was backdated to 2018 and we should receive a tax rebate of £496.50 in a few days. Thank you Martin as now hopefully hubby wont pay so much tax on his Army Pension each month.
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Saving to take son away. Camping/caravan this year :) plus legoland florid when hes 15/16 I hope
I've always tried to save. It's how I was brought up. I have been saving up for Disney for years.... my sons now 8...so it's been slow BUT with my birthday/Christmas and have around £1200-1400 I think :) I reckon I need £6k plus spending money maybe 4k??? So £10k I want to take him to legoland next year. It's my 40th too.…