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  • FIRST POST
    • patman99
    • By patman99 3rd Oct 14, 10:35 PM
    • 8,083Posts
    • 9,504Thanks
    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
    For 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
    #215 2sonmum ....................................#216 theresamum2
    #217 luvabargain ................................#218 missy83
    #219 willkeepontrying ......................#220 mumto2girlsandaboy
    #221 Bluelala ........................................#222 LianneH
    #223 Treasurequeen ..............................#224 Whoknowskt89
    #225 Foxyloxy11 .................................#226 Bird.Heart.Mouse
    #227 Stb ...............................................#22 8 Macey1510
    #229 Dreamtruce ..............................#230 IndigoWarrior
    #231 ploppy57 ....................................#232 Claremylove
    #233 foxyloxy11 ...................................#234 Muser1
    #235 XSpender .....................................#236 PlaysNicely
    #237 DancingUnicorn ..............................#238 thoragunnr
    #239 Jessop64 .........................................#240 quintwins
    #241 Mummy_bear .................................#242 BachFlower
    #243 mixmir ...........................................#244 Moneybutterfly
    #245 catralense ......................................#246 Narola1976
    #247 Farmeress ......................................#248 Billy12345
    #249. Cozicup ...........................................#250 SamSam17
    #251 ej22 ................................................#2 52 Nicnak
    #253. Florence J .......,............................#254 Arrietty
    #255 IrisViolet ........................................#256 lcc86
    #257 Adventureofmemories ..............
    This list is correct as of 19/1/17.
    Last edited by patman99; 15-11-2017 at 5:24 PM. Reason: List got 'lost'.
    Never Knowingly Understood.

    Member #1 of £1,000 challenge - £494.94/ £1000 (that's 49.49%)

    3-6 month EF £240.61/£3600 (that's 4 days worth)

    Do you/your spouse earn less than £197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
Page 3
    • Dolly Rocker
    • By Dolly Rocker 14th Oct 14, 9:53 AM
    • 3,414 Posts
    • 9,764 Thanks
    Dolly Rocker
    I am hoping to have even a couple of spare ££'s left at the end of the month to put into my emergency fund, every little helps right!!

    I have debt aswell its seems to go u p & down with me.

    Determined that it will be all gone forever next year at some stage.

    I am gonna just hang about the DFW boards though everyone in here is lovely I sometime hate venturing onto the other parts of this forum LOL

    Havent had many bad experiences myself but defo have seen other people have them!

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • Calling14
    • By Calling14 14th Oct 14, 12:15 PM
    • 2,506 Posts
    • 18,596 Thanks
    Calling14
    Thanks for the number Patman, will try and plan to get off the starting line on Thursday. Race you Dolly Rocker !!!

    Aloofdragon yeah I feel guilty with debt even thinking of saving, but having some cash to fall back on would be wickedly good.
    Last edited by Calling14; 14-10-2014 at 12:20 PM.
    LBM 13039 1.1.13 NOW £1040
    PAYDBX 2017 #16 £3260 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1161.71/2000 ends 29/12/17


    • Dolly Rocker
    • By Dolly Rocker 14th Oct 14, 1:12 PM
    • 3,414 Posts
    • 9,764 Thanks
    Dolly Rocker
    You are on Calling14!

    Dxxx
    Starting Debt - £15,000
    Remaining Debt - £1,980

    Starting Weight - 16st 7lbs
    Current Weight - 15st 3lbs
    • Calling14
    • By Calling14 14th Oct 14, 2:31 PM
    • 2,506 Posts
    • 18,596 Thanks
    Calling14
    Ready Steady oh wait till pay day x
    LBM 13039 1.1.13 NOW £1040
    PAYDBX 2017 #16 £3260 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1161.71/2000 ends 29/12/17


    • sunshinegirl66
    • By sunshinegirl66 14th Oct 14, 2:56 PM
    • 27 Posts
    • 57 Thanks
    sunshinegirl66
    want to join the £1000 challenge.
    Please can I join this,thanks.
    • Eyebright
    • By Eyebright 14th Oct 14, 9:33 PM
    • 860 Posts
    • 4,682 Thanks
    Eyebright
    Please can I join this,thanks.
    Originally posted by sunshinegirl66
    Welcome sunshinegirl66! Patman will be along soon to assign you a number I'm sure!

    Dolly & Calling...ON YOUR MARKS...GET SET...GOOOOOOOO lol

    I'm currently having a money dilemma over whether the £20ish I've made so far on ebay should go on paying extra to my CC, being put towards Christmas presents, or shoved into my emergency fund! Will just leave it in Paypal until I figure it out

    Dolly I agree, everyone on the DFW boards has been lovely and helpful. xx
    DFD Feb 2018 Total debt now £12672.13 £6919.63
    EFC #11 £150/£1000 = 15% achieved
    • Calling14
    • By Calling14 15th Oct 14, 1:18 PM
    • 2,506 Posts
    • 18,596 Thanks
    Calling14
    Well I am off the starting block 40.00 transferred today. From little acorns mighty oaks grow
    LBM 13039 1.1.13 NOW £1040
    PAYDBX 2017 #16 £3260 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1161.71/2000 ends 29/12/17


    • Aloofdragon
    • By Aloofdragon 15th Oct 14, 3:04 PM
    • 336 Posts
    • 1,357 Thanks
    Aloofdragon
    OOOO Eyebright its a toughy isn't it a 3 way split maybe ?? xx
    Weightloss -36.5lb/64lb.
    Christmas savings £200/£800.
    Hol savings £300 /£500.
    Birthday savings £50 /£100.
    100 days #20 Credit union £40/£1150
    • DreamerHelen
    • By DreamerHelen 16th Oct 14, 5:09 AM
    • 2,537 Posts
    • 13,605 Thanks
    DreamerHelen
    I made it over the £10 mark....Put another £6 into my Emergency Fund Account....
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • Eyebright
    • By Eyebright 16th Oct 14, 7:16 AM
    • 860 Posts
    • 4,682 Thanks
    Eyebright
    Well I am off the starting block 40.00 transferred today. From little acorns mighty oaks grow
    Originally posted by Calling14
    Yay! Off to a great start Calling! Bet you will soon overtake me

    OOOO Eyebright its a toughy isn't it a 3 way split maybe ?? xx
    Originally posted by Aloofdragon
    I did think that, but £6.66 to each pot doesn't seem worth it! I've got another 4 items I listed at the weekend, ending this week, so I will see what that takes the total up to then try and decide. By the time I make my mind up, I will probably have the £1000 in Paypal...

    I made it over the £10 mark....Put another £6 into my Emergency Fund Account....
    Originally posted by DreamerHelen
    Whoop! Well done you

    I still haven't put anything more into mine, just limping to payday. Will see what's left come payday, and hopefully if there is something left I can put some more into mine.
    DFD Feb 2018 Total debt now £12672.13 £6919.63
    EFC #11 £150/£1000 = 15% achieved
    • mobo1980
    • By mobo1980 16th Oct 14, 5:13 PM
    • 335 Posts
    • 1,772 Thanks
    mobo1980
    Hello !

    My emergency fund is at .......... £5.74

    Mobo xx
    CC1-£1729.53
    CC2-£4323.00
    LOAN-£14,519.05
    TOTAL DEBT £20,571.58
    Then there's the mortgage
    • chrisfreelander54
    • By chrisfreelander54 17th Oct 14, 9:27 AM
    • 437 Posts
    • 934 Thanks
    chrisfreelander54
    Well i have been paid this morning, and as all the bills have either been budgeted for or paid already, then this means I have another £200 to add to the EF.

    EF now @ £600.
    YNAB is my new best friend.
    • MrsSave
    • By MrsSave 17th Oct 14, 11:08 AM
    • 1,304 Posts
    • 4,154 Thanks
    MrsSave
    Hi, can I join please? I currently have £151 in my emergency fund account. Aiming to put in £50 a month, and if there is any money left over from wages (varies each month), will add a little extra!
    YNAB - one of my favourite money saving tools
    Check out my debt free diary 'Mrs S, family life and debt' below:
    • Calling14
    • By Calling14 17th Oct 14, 11:26 AM
    • 2,506 Posts
    • 18,596 Thanks
    Calling14
    Yay! Off to a great start Calling! Bet you will soon overtake me
    Originally posted by Eyebright
    Not a chance focused on clearing some of my debt by xmas
    plus need to buy xmas pressies

    Keep plodding away guys
    LBM 13039 1.1.13 NOW £1040
    PAYDBX 2017 #16 £3260 /£4300 DFD 12/17
    E
    Fund #9 £100/£1,000
    1 x 100 days challenge £1161.71/2000 ends 29/12/17


  • rosieben
    Please can I join this challenge?

    I've always hung out on the OS board but followed a link here and discovered some great threads and inspirational diaries


    .
    ... don't throw the string away. You always need string!

    C.R.A.P.R.O.L.L.Z Head Sharpener
    • peony40
    • By peony40 17th Oct 14, 12:20 PM
    • 455 Posts
    • 5,871 Thanks
    peony40
    Hello,

    I'd like to join you all, if possible?

    At the moment we no longer have an emergency fund, and this makes me feel very uneasy.

    It will take a while for me to get up to a £1000 especially since I had to give up work over three years ago due to health issues. But anything in the pot will be good!
    July Grocery Challenge £000.00/£200.00
    • Aloofdragon
    • By Aloofdragon 17th Oct 14, 5:45 PM
    • 336 Posts
    • 1,357 Thanks
    Aloofdragon
    Popping another £12 into mine today so now have an amazeballs £22 just incase money x Have a lovely Friday all x
    Weightloss -36.5lb/64lb.
    Christmas savings £200/£800.
    Hol savings £300 /£500.
    Birthday savings £50 /£100.
    100 days #20 Credit union £40/£1150
    • Nintud
    • By Nintud 17th Oct 14, 8:56 PM
    • 182 Posts
    • 548 Thanks
    Nintud
    I've taken out the cash for new ceiling and skip hire (ouch!) so can 'proudly' announce that my emergency fund now stands at £8.87

    Best start building it back up again before the next emergency hits.
    MBNA 0/2320. Sant 0/5115 Windows: 186/2050 GC 0/170
    0/21lb for . £ Per day 31/365. Emergency Fund #7: 650/1000
    - - - -
    What matters is how we live and love and how we spend our dash. (L Ellis)
    • DreamerHelen
    • By DreamerHelen 18th Oct 14, 7:39 AM
    • 2,537 Posts
    • 13,605 Thanks
    DreamerHelen
    Apologies for not replying before now Eyebright....thank you for your encouragement....I'm really pleased to have a little money saved up.....feels really good!!


    How is everyone getting on with their Emergency Fund?


    I'm up to £17 and some change.....so I'm really pleased with that...Hopefully can put a little extra in next Week...
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £100/£6000
    General £1000 Emergency Fund #13 £55/£1000
    MSE Sealed Pot Challenge #089 - Stars from SueUU x25
    • Nintud
    • By Nintud 18th Oct 14, 3:18 PM
    • 182 Posts
    • 548 Thanks
    Nintud
    the next emergency has hit.

    Pulling down the ceiling revealed that it wasn't just the shower grout letting out water. The toilet also has a leak (not soil pipe thankfully). En suite toilet is now out of use until I can afford a plumber to take the toilet out, check where leak is coming from and fix (May just require a seal redoing).

    It never just rains here

    This is why we all need an emergency fund folks!!
    MBNA 0/2320. Sant 0/5115 Windows: 186/2050 GC 0/170
    0/21lb for . £ Per day 31/365. Emergency Fund #7: 650/1000
    - - - -
    What matters is how we live and love and how we spend our dash. (L Ellis)
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