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  • FIRST POST
    • patman99
    • By patman99 3rd Oct 14, 10:35 PM
    • 7,644Posts
    • 8,969Thanks
    patman99
    The 1,000 emergency fund challenge.
    • #1
    • 3rd Oct 14, 10:35 PM
    The 1,000 emergency fund challenge. 3rd Oct 14 at 10:35 PM
    Got the idea for this after listerning to the 'Dave Ramsey Show'.

    The idea is to accumulate an emergency fund of 1,000 sitting in a Bank account just in case of emergencies.

    You must not leave yourself short in order to reach your goal.

    Members-
    #1 Patman99 .................................................. ..#2 Hummingbird
    #3 GaLa15 .................................................. .....#4 Trixibell
    #5 Making_The_Best_of_it ............................#6 Dolly Rocker
    #7 Nintud .................................................. ......#8 Speakingofart
    #9 Calling14 .................................................. .#10 Aloofdragon
    #11 Eyebright .................................................. #12 Chrisfreelander54
    #13 DreamerHelen ........................................#14 mobo1980
    #15 sunshinegirl66 .........................................#16 MrsSave
    #17 rosieben .................................................# 18 peony40
    #19 Buffythedebtslayer .................................#20 October Starter
    #21 monz .................................................. .....#22 georgiebrown0
    #23 Jubilee76 ................................................#2 4 Debt Free Desires
    #25 abundant1972 ..........................................#26 Toomuchtodo
    #27 I-need-to-be-debtfree ............................#28 WantToBeSe
    #29 Bobarella ................................................#3 0 Muser1
    #31 twiggy86 ................................................#3 2 laurababs
    #33 Roundthebend .......................................#34 Kermit2601
    #35 StressedSteph ........................................#36 YoungBusinessman
    #37 redlaces .................................................# 38 stiltoncheese
    #39 Magsnoodle ...........................................#40 MessyBetty
    #41 ruby_eskimo ..........................................#42 IrishRose12
    #43 carbootcrazy ..........................................#44 Simply_Saving
    #45 Dobbibill ...............................................#46 grassgirl
    #47 Ms.Dita .................................................# 48 On my way
    #49 CountingPennies ................................#50 Tilly MFW in 6 YRS
    #51 Hoipolloi ...............................................#52 pozza_73
    #53 newroadahead .......................................#54 Pinksteps
    #55 kdalwayskint ........................................#56 So Very Confused
    #57 marleyboy .............................................#58 bmma
    #59 Vkz .................................................. ......#60 Ep007
    #61 sophieo16 ...............................................#62 tinks112
    #63 Stereochild .............................................#64 Laurag89
    #65 Nicki_Sue ...............................................#66 Inthedoghouse
    #67 Depth of field .........................................#68 happybunny86
    #69 R2B .................................................. ......#70 Toomuchdebt
    #71 Mbizi .................................................. ...#72 littleangels3
    #73 dida80 .................................................. .#74 Harleyquinn
    #75 BabyBetty ..............................................#76 Sallybunny
    #77 Meezel ...............................................#78 rising from the ashes
    #79 newpennypincher ................................#80 damondash
    #81 Jonesy88 ..............................................#82 clumsychaos
    #83 MrCrimeFiction ...................................#84 MrsR68
    #85 29Found ..............................................#86 Kelxx
    #87 January2015 ........................................#88 Jacko_amz
    #89 Kayalana99 ..........................................#90 Andyfromotley
    #91 Jon81 .................................................. ..#92 astrid35
    #93 LullaBelle .............................................#94 BuildingBricksOfGold
    #95 Hadalbm ...............................................#96 Meatloaf1981
    #97 Daisychain1 ........................................#98 bestfootforward
    #99 *DramaQueen* ...................................#100 eveie189
    #101 Casper123 ..........................................#102 Lazer-zxr
    #103 DeafLeopard ......................................#104 nicing
    #105 joee .................................................. ..#106 Mrs Toast
    #107 RaspberryJiuce .................................#108 takingcontrolatlast
    #109 parsniphead .......................................#110 NoLifeWithoutYou
    #111 PollyPrissypants ................................#112 amber03
    #113 teeni .................................................. .#114 bogbrsh250
    #115 thegreenone .......................................#116 inamin
    #117 Hope78 ..............................................#118 Bored
    #119 King_Slayer .......................................#120 BettyBoof
    #121 Cat Girl ..............................................#122 Triangle
    #123 nannygladys ......................................#124 myamyamoo
    #125 nows the time ....................................#126 milky1991
    #127 Lina T ................................................#1 28 sugar123
    #129 evo5819 .............................................#130 *snow*white*
    #131 Digging ..............................................#132 belleandthebudget
    #133 Aphidgirl ............................................#134 Grabs39
    #135 Tinkerbelle2000 ................................#136 cybertortoise
    #137 Blue_Bird .........................................#138 Snorkypants
    #139 B17c .................................................# 140 lincs1205
    #141 stormpassing .................................#142 LittleMissDetermined
    #143 The Only Girl .....................................#144 nellis10
    #145 Swash .................................................# 146 Justforme
    #147 crv1963 ...............................................#14 8 mossy
    #149 Ellieseleven ........................................#150 bilbodreams
    #151 Claire1a ..............................................#152 mrs motivated
    #153 fairyclicks ..........................................#154 12 month challenge
    #155 chasingdreams ...................................#156 lexbubbles
    #157 Moonbean ......................#158 MadCoderWhatCodesAtMidnig
    #159 rylee12 ...............................................#16 0 JHiggins91
    #161 Dandytf ..............................................#162 5erge
    #163 nextyeartina ........................................#164 sarahm0rris
    #165 NeedToBeDebtFree ............................#166 moneytree1
    #167 strandedinaber .....................................#168 Heartland
    #169 Cutcostsandsave ..................................#170 Kim_13
    #171 PinkWhisk ..........................................#172 debbie_debt
    #173 Jo3y83 .......................................#174 Havecourageandbekind
    #175 Effyb4 .................................................# 176 Monks
    #177 doingitanyway ....................................#178 lcc86
    #179 Positivelypunked ...............................#180 evuka
    #181 BelleBelles19 ..................................#182 little library lady
    #183 Anna-marie3363 ............................#184 Meezel
    #185 LABMUM ........................................ #186 -Selene
    #187 PositiveBalance ..............................#188 Grandad's Offspring
    #189 Kimplus8 ........................................#190 Hanliam
    #191 Chazz.Collins .................................#192 TrushTush
    #193 swimminginaseaofdebt .....................#194 BlackFrosting
    #195 evo5819 ...........................................#196 Hermionesaver
    #197 cheesedoffwithdebt ........................#198 PennyJar
    #199 Julie67 ...............................................#20 0 Angelicious
    #201 Pinkwhisk .....................................#202 tibbles209
    #203 Lauralozzle ..................................#204 ButterflyBee
    #205 Smolly .........................................#206 Dobs
    #207 Treasurequeen ..............................#208 ab_saver
    #209 BeTheChange ..............................#210 Anita55
    #211 primalmother ................................#212 Kawaii corgi
    #213 Thora ...........................................#214 PoorGuyNextDoor

    This list is correct as of 21/08/16.
    Last edited by patman99; 05-12-2016 at 9:07 PM. Reason: List got 'lost'.
    Never Knowingly Understood.

    Member #1 of 1,000 challenge - 617.00 / 1000 (that's 61.7%)

    3-6 month EF 194/3600

    Do you/your spouse earn less than 197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
Page 115
    • Lauralozzle
    • By Lauralozzle 28th Sep 16, 5:40 PM
    • 131 Posts
    • 908 Thanks
    Lauralozzle
    Emergency fund now at 399.44/1000
    October grocery challenge 115.50/250 | Emergency 1,000 challenge - 399.44/1,000 | NSD 5/15
    Credit Card: 209 (0% APR) | Car Finance: 10,674 (7.9% APR) | Mortgage: 113,243 (3.99% APR)
    Wedding Fund: 1,457.04
    • Dobbibill
    • By Dobbibill 3rd Oct 16, 8:33 AM
    • 1,726 Posts
    • 2,862 Thanks
    Dobbibill
    #45 checking in.

    usual SO gone over so new total is 1200 aka 120%

    keep up the good work everyone.
    If you always do what you've always done,
    you will always get what you've always got!

    1000 EF #45 = 130%
    3-6 mnth EF #2 = 88.55%
    Christmas savings 2016 = 100.66% & 2017 = 7.6%
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 3rd Oct 16, 9:07 AM
    • 248 Posts
    • 1,525 Thanks
    swimminginaseaofdebt
    #193 reporting in to update my EF total to 814.86.
    1 debt vs 100 days part 24 - Target: 20/600
    Pay all debt off by Christmas 2016 #150 - 1113.89/1264.05 (87%)
    6 month challenge #65 - 0.71/9000
    SPC10 #564
    • BeTheChange
    • By BeTheChange 3rd Oct 16, 7:43 PM
    • 89 Posts
    • 437 Thanks
    BeTheChange
    Hi please can I join in this challenge? I am looking to get my 1000 emergency fund by the end of the year.

    I currently have 250 but want to get there as quickly as possible so I can then focus on paying off my debts.

    Thanks BTC
    Debt @ Sept '16 = 51804 Oct '16= 51,095 1.37% paid off
    Oct grocery challenge = 229.05/250
    Oct AFD challenge = 20/31
    Oct NSD = 13/18
    Emergency Fund member #209 = 376/1000
    • hermionesaver
    • By hermionesaver 5th Oct 16, 6:50 AM
    • 61 Posts
    • 387 Thanks
    hermionesaver
    Number 196 with another 40 to add. Taking my total up to 540. Had a bit of an emergency this month in that our washing machine is dying and our tumble dryer has died We decided to just order a new wash dryer because dryer cannot be fixed and washer will cost a lot to fix. We have put it on a 0% card but will pay it off 100 a month so that's going to make things a bit tight...didn't use the emergency fund because I think we may need it for car insurance. Hopefully when car insuracne is paid we can build up the emergency fund for proper unforseen emergencies!
    House Deposit: 2,800/16,000
    1000 Emergency Fund #196: 620/1000
    10 a day in October 165.93/310
    September 382.51/300 August 247.28/310 July 232.91/310
    • patman99
    • By patman99 6th Oct 16, 4:34 PM
    • 7,644 Posts
    • 8,969 Thanks
    patman99
    Welcome to BeTheChange, who is member #209.

    Nothing much to report of late, other than the microwave failing, so had to spend on a new one.
    Never Knowingly Understood.

    Member #1 of 1,000 challenge - 617.00 / 1000 (that's 61.7%)

    3-6 month EF 194/3600

    Do you/your spouse earn less than 197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
    • anita55
    • By anita55 6th Oct 16, 9:06 PM
    • 134 Posts
    • 292 Thanks
    anita55
    can I join I have 48 in my OH bank which goes in every month, always try to save it but never do. Will try from now and add extra
    as and when, noticed in my payslip I got some overtime so will put that in when I get paid Monday.
    • anita55
    • By anita55 6th Oct 16, 9:12 PM
    • 134 Posts
    • 292 Thanks
    anita55
    can I join please?
    • anita55
    • By anita55 6th Oct 16, 9:13 PM
    • 134 Posts
    • 292 Thanks
    anita55
    oops seem to loose the first one then as if by magic it came back
    total so far 06/10/16 - 48.69 - 1000.00
    • BeTheChange
    • By BeTheChange 6th Oct 16, 9:45 PM
    • 89 Posts
    • 437 Thanks
    BeTheChange
    Ooh I have a number . Thankyou Patman99

    I have had a couple of payments originally planned for this month that don't have to be made so I have put the money straight to the Emergency Fund. It now stands at 350 which is so exciting
    Debt @ Sept '16 = 51804 Oct '16= 51,095 1.37% paid off
    Oct grocery challenge = 229.05/250
    Oct AFD challenge = 20/31
    Oct NSD = 13/18
    Emergency Fund member #209 = 376/1000
    • ButterflyBee
    • By ButterflyBee 8th Oct 16, 12:41 PM
    • 302 Posts
    • 1,778 Thanks
    ButterflyBee
    Little by Little
    Hi Patman99...another 25.00 to my emergency fund this month....Not much but DD No1 passed her practical this month and Car Ins costs a bomb! and DD No2 started Uni this month...Phew! hope thats it for a while...
    Return and Restart August 2016
    22 Months to be debt free Aug2016 12971.00 By Jun2018
    PAYDBX2016 #155 = 2268.93/3414.93 00% paid
    UK Debt #00 = 9857.23/13039 6% paid
    EmSavFund #204 = 85.00/1000 6% paid
    Mortgage #00 = 183084/183093 00% paid
    • BeTheChange
    • By BeTheChange 8th Oct 16, 5:53 PM
    • 89 Posts
    • 437 Thanks
    BeTheChange
    #209 reporting in and another 26 added to the fund so now standing at 376
    Debt @ Sept '16 = 51804 Oct '16= 51,095 1.37% paid off
    Oct grocery challenge = 229.05/250
    Oct AFD challenge = 20/31
    Oct NSD = 13/18
    Emergency Fund member #209 = 376/1000
    • patman99
    • By patman99 9th Oct 16, 12:17 PM
    • 7,644 Posts
    • 8,969 Thanks
    patman99
    Welcome Anita55, who is member #210.
    Never Knowingly Understood.

    Member #1 of 1,000 challenge - 617.00 / 1000 (that's 61.7%)

    3-6 month EF 194/3600

    Do you/your spouse earn less than 197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
    • carbootcrazy
    • By carbootcrazy 9th Oct 16, 3:05 PM
    • 3,057 Posts
    • 17,660 Thanks
    carbootcrazy
    Just dropping in to say . Nice to see lots of new members too

    My EF still remains intact at 1000 and keeping everything crossed that it remains that way. I'm confident that should I have a run of bad luck like I had at the end of last year and the start of this one I'll have the funds to cover whatever needs doing. It's a very reassuring feeling, all thanks to patman for setting up the challenge


    I'm saving anything else I can in another 'pot', that one being my 'new' car fund for when the current one finally gives up. Still going strong thank goodness so I may have a decent amount to fund another good second hand one when the time comes. Lots of bargains to be had if you're savvy, there's no need to pay through the nose for a reliable car
    Make 10 A Day Challenge 2016: Jan-Nov:2787.65: Dec:61.27
    3-6 Months Emergency Fund Challenge #12: 620.00/3000

    Original Debt: 56804 (@ LBM 02/13). Paid (on DMP): 29917. Balance: 26887
    Over halfway
    • -Selene
    • By -Selene 12th Oct 16, 1:03 AM
    • 158 Posts
    • 933 Thanks
    -Selene
    Just popping into the thread to update my EF total which now stands at 190.44 - so close to that 20% mark
    SPC - #483 [banked 134.15] - gold stars from Sue-UU!
    VSP - #33 [29.8%] | 3-6 Month EF - #41 [12.6%] | 1,000 EF - #186 [4%] | Save 6k in 2016 - #180 [24.6%]
    • patman99
    • By patman99 12th Oct 16, 12:33 PM
    • 7,644 Posts
    • 8,969 Thanks
    patman99
    Not much to report here, other than that my EF is still intact.

    Still have no job, but not overly worried as might be able to pick up some odd jobs to help boost the household income.

    On the plus side, I have been busy at my mums and managed to get hold of a job lot of turf to turf a small area (needed 5 rolls). I bought 23 rolls and listed the 17 I didn't need on FB. Got a buyer within 10 minutes and at a nice profit as well.
    Never Knowingly Understood.

    Member #1 of 1,000 challenge - 617.00 / 1000 (that's 61.7%)

    3-6 month EF 194/3600

    Do you/your spouse earn less than 197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
    • primalmother
    • By primalmother 15th Oct 16, 8:08 PM
    • 14 Posts
    • 13 Thanks
    primalmother
    Me please- can I join, I lovvvvvve Dave Ramsey and fpu
    • patman99
    • By patman99 16th Oct 16, 8:07 PM
    • 7,644 Posts
    • 8,969 Thanks
    patman99
    Welcome primalmaother. You are #211.
    Never Knowingly Understood.

    Member #1 of 1,000 challenge - 617.00 / 1000 (that's 61.7%)

    3-6 month EF 194/3600

    Do you/your spouse earn less than 197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
    • LABMUM
    • By LABMUM 18th Oct 16, 3:19 PM
    • 68 Posts
    • 181 Thanks
    LABMUM
    My emergency fund is up to 220.00 now slowly moving upwards.
    EFC #185 - 220.00/1000
    2.00 Savers #95
    50p Savers Club #8
    • PennyJar
    • By PennyJar 18th Oct 16, 9:26 PM
    • 114 Posts
    • 293 Thanks
    PennyJar
    Hi all

    #198 checking in - had all my emergency fund wiped out...hence the lack of updates recently. But pleased to be back on track now and be back in work on full pay...

    500 in emergency pot - will update my signature hooray!!!!
    Debt Free - 2011 (15, 000) | MFiT - T4 #78 0/20,000 (Mortgage reduction target)
    Mortgage Free Goal - 2026 (101, 062) | #198 Emergency Fund Challenge 500/1000
    Massive fan - thank you for changing the game!
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