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  • FIRST POST
    • DreamerHelen
    • By DreamerHelen 20th Oct 15, 8:30 AM
    • 2,493Posts
    • 13,419Thanks
    DreamerHelen
    3-6 Month Emergency Fund Challenge!!
    • #1
    • 20th Oct 15, 8:30 AM
    3-6 Month Emergency Fund Challenge!! 20th Oct 15 at 8:30 AM
    Morning Everyone....


    I have been wondering for MONTHS now about what would happen if there was some kind of Emergency....I am self-employed and also starting a new Business which will also be on a self-employed basis....so I will never get holiday pay or sick pay....although I AM hoping to maybe get an employed Job but that would only be for a couple of days a Week so it won't cover me completely if something were to happen....


    My health is not wonderful at the moment, and hasn't been for a while, but I'm going to start trying to lose Weight once I've moved Flats (which I'm doing this Weekend!!).


    So the point of this Challenge is to save up at least 3 month's worth of wages....that can be a different amount for each person....and some people might want to save up to 6 months if they are feeling ambitious!!


    Me personally, I want to save 3 months worth of wages which for me will be £6000.


    Now, there is ABSOLUTELY NO TIME LIMIT on this Challenge...in fact I suspect it could take me Years to get to the point of having 3 months wages as Savings....For now I can only afford £5 per week but as my new Business builds up (hopefully!!) then I should be able to afford more.


    This Thread is mainly for us all to encourage each other to keep on Saving and to celebrate when we reach milestones, however large or small they may be.....Like for me, when I get to having £500 I will be ecstatic!!


    I also wanted to say that if at any time an emergency crops up and you need to use your Fund and then start again then please don't worry about doing that.....It's what the Emergency Fund is there for after all....


    I don't like having Savings in the Bank as I get too tempted to spend them so I'm going to invest in a Terramundi to put my Savings into at least at first......but other's may choose to use their Bank Accounts or a Tin from Poundworld...or stuff it under your Mattress!!


    Sooooo.....Here we go.....I'll add the names below as people Join....xXx




    CHALLENGERS
    1) DreamerHelen - GOAL: £6000 CURRENTLY: £30/£6000
    2) Dobbibill - GOAL: £9000 CURRENTLY: £9000/£9000 - COMPLETE!!
    2) Dobbibill - NEW GOAL: £5000 CURRENTLY: £2883.51/£5000
    3) Patman99 - CURRENTLY: £213
    4) LittleMissDetermined - GOAL: £7129 CURRENTLY: £2364.14/£7129
    5) Sophieo16 - GOAL: £3000 CURRENTLY: £3000/£3000 - COMPLETE!!
    5) Sophieo16 - NEW GOAL: £4000 CURRENTLY: £2862.51/£5000
    6) Crv1963 - INITIAL GOAL: £7800 CURRENTLY: £10/£7800
    7) Mothernerd - INITIAL GOAL: £1000 CURRENTLY: £1000/£1000 COMPLETE!!
    8) Stewby - GOAL: £2000 CURRENTLY: £230.76/£2000
    9) stoplurking - GOAL: £4000 CURRENTLY: £2000/£4000
    10) crazy_cat_lady - GOAL: £6338 CURRENTLY: £17.66/£6338
    11) stormpassing - GOAL: £5400 CURRENTLY: £30/£5400
    12) carbootcrazy - GOAL: £3000 CURRENTLY: £1900/£3000
    13) Munchin - GOAL: £6000 CURRENTLY: £1300/£6000
    14) traveller - INITIAL GOAL: £1000
    15) Freysmum - GOAL: £8500 CURRENTLY: £8500/£8500 - COMPLETE!!
    16) The Only Girl - GOAL: £12,000 CURRENTLY: £9425.89/£12,000
    17) Southern-girl - GOAL: £5000 CURRENTLY: £437/£5000
    18) dubsteppenguin - GOAL: £5000 CURRENTLY: £250/£5000
    19) DuranGirl - GOAL: £6000 CURRENTLY: £5000/£6000
    20) WantToBeSE - GOAL: £5000 CURRENTLY: £1000/£5000
    21) black cat - GOAL: £6000 CURRENTLY: £6000/£6000 - COMPLETE!!
    22) lexbubbles - GOAL: £4600 CURRENTLY: £2158.63/£4600
    23) ani*fan - GOAL: £3000 CURRENTLY: £40.29/£3000
    24) Keeping Motivated - GOAL: £6000 CURRENTLY: £6000/£6000 - COMPLETE!!
    24) Keeping Motivated - NEW GOAL: £6000 CURRENTLY: £3790/£6000
    25) rylee12 - GOAL: £6000
    26) Rosylee - GOAL: £8850 CURRENTLY: £60/£8850
    27) BlackFrosting - GOAL: £2700 CURRENTLY: £69.37/£2700
    28) Westbeef - GOAL: £5000
    29) skye blue - GOAL: £3000 CURRENTLY: £1660/£3000
    30) MrsSave - GOAL: £5000 CURRENTLY: £1241.36/£5000
    31) crimson.addict - GOAL: £10,000 CURRENTLY: £350/£10,000
    32) linc1205 - GOAL: £20,000 CURRENTLY: £20/£20,000
    33) Brass_Triumphant - GOAL: £5000 CURRENTLY: £450/£5000
    34) Christa27 - GOAL: £3000
    35) Wishfullthinking2 - GOAL: £4500
    36) x_raphael_xx - GOAL: £4000 CURRENTLY: £1400/£4000
    37) moneymakestheworldgoround - GOAL: £3000
    38) georgiebrown0 - GOAL: £6000
    39) Sharon87 - GOAL: £1500 CURRENTLY: £330/£1500
    40) BabyBetty - GOAL: £5000 CURRENTLY: £276/£5000
    41) -Selene - GOAL: £5000 CURRENTLY: £691.69/£5000
    42) Thistlewhistle - GOAL: £5000 CURRENTLY: £2500/£5000
    43) abundant1972 - GOAL: £4500 CURRENTLY: £750/£4500
    44) castlelough - GOAL: €3000 CURRENTLY: €86/€3000
    45) MLAB - INITIAL GOAL: £450
    46) milasavesmoney - GOAL: $15000 CURRENTLY: $11,273/$15000
    47) WatWing - GOAL: £3900 CURRENTLY: £250/£3900
    48) happytails - GOAL: £8400
    49) Grandad's Offspring - GOAL: £5000 CURRENTLY: £80/£5000
    50) Smodlet - GOAL: £3000 CURRENTLY: £325/£3000
    51) JCUK - GOAL: £6000 CURRENTLY: £1250/£6000
    52) Mooloo - GOAL: £4000 CURRENTLY £600/£4000
    53) aphill24 - GOAL: £5000 CURRENTLY: £1100/£5000
    54) evo5819 - GOAL: £3000
    55) mum-to-many - GOAL: £3000 CURRENTLY: £306/£3000
    56) oh2bdebtfree - GOAL: £6000
    57) Keedie
    58) AnxiousHomemaker - INITIAL GOAL: £500 CURRENTLY: £15/£500
    59) PoorGuyNextDoor - GOAL: £5300
    60) angelicious - GOAL: £7200 CURRENTLY: £270/£7200
    61) misselvis - GOAL: £6000
    62) benten69 - GOAL: £10,750 CURRENTLY: £230/£10,750
    63) TopsyMum - GOAL: £1000
    64) Poor_Single_lady - GOAL: £5000 CURRENTLY: £80/£5000
    65) swimminginaseaofdebt - GOAL: £9000 CURRENTLY: £15.71/£9000
    66) Dragon Lily - GOAL: £3000 CURRENTLY: £1206/£3000
    67) FrugalinShropshire - GOAL: £7200
    68) Determined diva - GOAL: £2000 CURRENTLY: £1050/£2000
    69) muppets - GOAL: Euro 15,000 CURRENTLY: Euro 4000/15,000
    70) dfbefore30 - GOAL: £5000 CURRENTLY: £3036/£5000
    71) indigowarrior - GOAL: £6000
    72) angelpye - GOAL: £4200
    73) HoneyBee83 - GOAL: £1000 CURRENTLY: £300/£1000
    74) wegle - GOAL: £6000 CURRENTLY: £548.23/£6000
    75) Hillwalker17 - GOAL: £6000 CURRENTLY: £1000/£6000
    76) Doglover - GOAL: £7500
    77) NewMeNewLife - GOAL: £5000 CURRENTLY: £300/£5000
    78) Bumblebear - GOAL: £5670
    79) lilyflower7 - GOAL: £3000 CURRENTLY: £519.23/£3000
    80) Dogbooks - GOAL: £9300 CURRENTLT: £950/£9300
    81) kazt2006 - GOAL: £10,000 CURRENTLY: £7900/£10,000
    82) Jellybeans&FF - GOAL: £9000 CURRENTLY: £20/£9000

    If you haven’t already, join the forum to reply!
    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by DreamerHelen; 21-07-2017 at 6:32 AM.
    Pay ALL Your Debts Off By Xmas 2017 #13 £6000 Emergency Fund #1 £30/£6000 General £1000 Emergency Fund #13 £0/£1000 MSE Sealed Pot Challenge #089 - Stars From SueUU x23
Page 71
    • wegle
    • By wegle 8th Mar 17, 9:52 AM
    • 541 Posts
    • 1,563 Thanks
    wegle
    Hello Everyone! I've been looking round the boards for a suitable challenge to join and this one is perfect for me, so I'd love to join if that's ok. I'm very nearly debt free (owe £75 on Next Directory and £200 to Very Catalogue) and really want to get a solid emergency fund. I did have a good emergency fund but I recently split from my Husband so that was completely swallowed up trying to move house and get me and my son settled, but hey that's what it was for I guess.

    I'd like to build up 3 months of expenses as my goal so that would be £5803.40 so I'll round that up to £6000 to make it a nice even number. I have goals beyond this for long term investing for my son and myself but really need to get the emergency buffer in place before we look into that.

    I work part time and the budget is definitely very tight so not much room for savings. I usually manage to put £30 a month away but I want to push myself to be at least achieving £50 a month.

    Currently my emergency fund sits at £493.81. So even if I do put away £50 a month it's still going to take 9 years but I think better it take 9 years than it never exist and hopefully this challenge will push me to build it faster.

    Anyway, thanks for having me along!
    • wegle
    • By wegle 8th Mar 17, 9:53 AM
    • 541 Posts
    • 1,563 Thanks
    wegle
    Sorry me again! Just done some quick fiddling with the budget and have managed to find £6.19 to move to the emergency fund, to give me a nice round starting figure of £500.
    Last edited by wegle; 08-03-2017 at 9:56 AM.
    • Mooloo
    • By Mooloo 8th Mar 17, 10:21 AM
    • 9,001 Posts
    • 44,001 Thanks
    Mooloo
    Sorry me again! Just done some quick fiddling with the budget and have managed to find £6.19 to move to the emergency fund, to give me a nice round starting figure of £500.
    Originally posted by wegle
    Welcome! Helen will be along no doubt to update things, but I thought I would say hello rather than read and run.
    I wouldn't think about it taking 9 years.
    I would celebrate every £100 achieved. Even if it is only a little dance around the kitchen when nobody is looking.
    I have found that if I put 10% of every little income in before I do my bills, so paying myself first, I see huge changes ( even if my family has emergencies more than I do.
    So when my £20.70 child benefit goes in, I put £2.07 into the pot.
    I am lucky that my money is weekly so it doesn't seem like a huge amount to save.
    Then I will jiggle a payment out of the budget if I am close to a big number, a bit like you did today.
    When I followed my plans I would also meal plan for 8 days a week, incase we didn't fancy a certain meal one day. That would mean that occasionally I would be able to either miss a week shopping occasionally or that I could eat from the stores I had and use the weekly shopping money either for savings, bulk buying or treats for a day out. But I confess I have fallen off the bandwagon there a bit, and my mission today is to relight my fire, ramp up my positive vibes and resurrect the various methods again, so I can rebuild my funds after family has drained it.
    Good luck
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • carbootcrazy
    • By carbootcrazy 8th Mar 17, 10:23 AM
    • 3,751 Posts
    • 21,039 Thanks
    carbootcrazy
    wegle and welcome to the challenge. Helen will be along when she can to give you a member number. If there's anything you'd like to know please just ask. We're a friendly and supportive bunch on here and know just how hard it can be to scrape together any emergency savings. However little you manage to put by is more than you had before and, as Mr T was forever telling us, every penny counts


    Good Luck
    Make £10 A Day Challenge 2017. Jan-June: £1811.59 July: £346.57
    3-6 Months Emergency Fund Challenge #12: £1900.00/£3000. This is such hard going but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Paid : £32316. Balance: £24488
    . These figures are completely out of date, must get them organised.
    • carbootcrazy
    • By carbootcrazy 8th Mar 17, 10:27 AM
    • 3,751 Posts
    • 21,039 Thanks
    carbootcrazy
    What a lovely welcoming and motivating post, Mooloo


    Wishing you every success in getting your own EF built up again
    Make £10 A Day Challenge 2017. Jan-June: £1811.59 July: £346.57
    3-6 Months Emergency Fund Challenge #12: £1900.00/£3000. This is such hard going but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Paid : £32316. Balance: £24488
    . These figures are completely out of date, must get them organised.
    • wegle
    • By wegle 8th Mar 17, 10:38 AM
    • 541 Posts
    • 1,563 Thanks
    wegle
    Thank you Mooloo and Carbootcrazy. I really like you're 10% idea Mooloo. I get some weekly income as well, as I get Child Tax Credits, Child Benefit and housing benefit. 10% is probably a bit high for me that would be £190 a month. What's been working for me so far is as soon as I get my salary moving the £30 straight into my savings and treating it pretty much like any other bill payment. Once it's out of my account it's gone.

    I use YNAB and have been using the weekly income I get for things like childcare, grocery shopping, entertainment and I'm currently working at cutting these costs down or building up a small category balance for them so then I can put what I would usually allocated weekly to them straight to savings.
    • Hillwalker17
    • By Hillwalker17 8th Mar 17, 12:47 PM
    • 59 Posts
    • 127 Thanks
    Hillwalker17
    Hi everyone. I'm new to all of this.

    My plan hopefully includes initially saving together £500 for an emergency fund, topping this all the way up to £6000 (3 months wages). It won't be quick as I just took out a 2 year loan to consolidate other debts, but once i'm on the right track with paying everything off, this is my target. It will be a mix of saving for this and paying off the loan early.

    I'm away to have a good read of the thread and see how everyone is doing. You all seem so friendly!
    • Mooloo
    • By Mooloo 8th Mar 17, 1:24 PM
    • 9,001 Posts
    • 44,001 Thanks
    Mooloo
    When I first started it seemed very daunting but now I am better at it, when I stay focused!
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • Dobbibill
    • By Dobbibill 8th Mar 17, 5:54 PM
    • 2,181 Posts
    • 3,313 Thanks
    Dobbibill
    Welcome wegle and Hillwalker17 - Good observation Hillwalker, we are a friendly group and the more the merrier.

    We all share our successes and challenges however big or small.

    Helen will be along soon to pop your name, number & target on the first page. All you need to do then is plod along at your own pace. There's no time frame, no pressure and plenty of support and motivation along the way from us all.

    Dobbi
    • abundant1972
    • By abundant1972 8th Mar 17, 8:54 PM
    • 1,171 Posts
    • 8,547 Thanks
    abundant1972
    Evening folks!

    Welcome to HoneyBee83, Wegle and Hillwalker17

    So I have a dilemma. I ran up the CCs a little at the end of last year and currently owe £1575.00. They are interest free until September, but am saving for a Mortgage. Am I better - using my EF fund to just clear/close them, and just keep the CC I have had for ages, and use/clear every month for shopping to keep my credit file looking healthy? By the time I apply for my mortgage later in the year they'll no doubt do a check...

    It will free up £200 + repayments I am making each month, and that can go to my EF in addition to the £250 I already pay each month. It'll soon add up I'm sure... Did I just answer my own question? Lol


    Repay Car : Phase 2 : £0/£500 by 13/09
    Follow your heart & be true to yourself always
    Help To Buy ISA = £4283.65. EF = £750/£4500
    NST July : NSD=16/16 : Food £100.00/£100 : Spends £100/£100
    365 Day 1p Challenge = £408.57/£667.95. £1.00 a Day = £212.00/£365.00
    Spiritual Practice =14/31. Exercise Sessions 21/14. Cash Bonus = £26/£150 + £234/£399
    • Dobbibill
    • By Dobbibill 8th Mar 17, 10:40 PM
    • 2,181 Posts
    • 3,313 Thanks
    Dobbibill
    If it's possible to clear ahead of the mortgage then that's always a positive from an affordability point.

    Close - well I'm not so sure - all your CR will show is that it's been closed, not that it was a choice - how long have you had the card? it may be worth hanging on to it to evidence your long standing relationship with said credit card company......it's always a tricky one
    • HoneyBee83
    • By HoneyBee83 14th Mar 17, 3:57 PM
    • 329 Posts
    • 3,462 Thanks
    HoneyBee83
    Afternoon all,

    Potted £50 to my emergency savings today, so that takes me to £115/£1000.
    SPC #050 £200.00
    Emergency Savings #73 = £300.00/£1,000
    House Savings = £12,700/£15,000 + £250.00 Furniture
    Morrisons= £46.00/£100.00 Xmas 2017=£20/£200
    Holiday Fund = £0.00/£1000 School Fund =£0.00/£200
    • skye blue
    • By skye blue 14th Mar 17, 6:42 PM
    • 84 Posts
    • 400 Thanks
    skye blue
    hi everyone

    how are you doing helen?

    please add £20 to my pot im sticking to the £10 a week (2 wks worth, didn't want to queue up ln bank last week and still managed to keep hold of it)! wow thats a 1st

    keep going guys
    • DreamerHelen
    • By DreamerHelen 15th Mar 17, 3:27 AM
    • 2,493 Posts
    • 13,419 Thanks
    DreamerHelen
    Morning Everyone...

    Well things have been very up and down as per usual in my Life...but I think I'm finally getting back on track...at least I hope so!!

    So FINALLY I've managed to add some Money to my Emergency Fund (it's been far too long coming!!).....So I've added £100 today (or at least I will do when I get up LoL)...and that makes my EF £125 Overall...I'll get there slowly...

    I can't believe we're now up to 75 members...I want to say a HUGE Thank You to each and every one of you for being there for each other and for me....for making this a lovely Thread where none of us criticise each other and where we all encourage each other to meet our Goals, whatever they may be....Let's keep this going!! xXx

    In other news...In about 2 hours I'm leaving for another Trip to Paris....Just for today and tomorrow...I get back home late tomorrow Evening...but I cannot wait to have some "me time" and concentrate on feeling happy....So I shall see you all at the Weekend for the next Update... xXx

    Here's to the Updates for today...

    HoneyBee83 - I've Updated the First Page...You're doing AWESOME!! Keep on going xXx

    Dobbibill - I've Updated the First Page...You're doing AMAZING...And no worries regarding the Signature..not a problem at all xXx

    sophieo16 - I've Updated the First Page...You're doing INCREDIBLE!! Keep on moving forwards xXx

    lippy1923 - Thank you for your advice for sophie xXx

    carbootcrazy - I've Updated the First Page...WELL DONE for getting to £1000...that's BRILLIANT!! And thank you for your good vibes and your lovely words...they are really appreciated xXx

    LittleMissDetermined - I've Updated the First Page...You're doing BRILLIANTLY!! Keep on going xXx

    The Only Girl - I've Updated the First Page...You're doing AWESOME!! Keep moving forwards and don't worry about dipping in, you do what you have to and it can always be topped back up xXx

    Mooloo - I've Updated the First Page...You're doing AMAZING!! Don't worry, you will get there...I have faith xXx

    wegle - WELCOME WELCOME WELCOME, apologies for not welcoming you before now...I've added your name to the First Page...You are more than welcome here...please do let us know how you're getting on xXx

    Hillwalker17 - WELCOME WELCOME WELCOME to you too!! It's lovely to have you here...As I said before, please do let us know how you're getting on...and you are also on our Members List on the First Page xXx

    abundant1972 - I hope you manage to make a decision hun but it sounds like you already know what you want to do...whatever it is you know we will support you and you are always welcome here xXx

    skye blue - I've Updated the First Page...You're doing AMAZING!! Keep on going hun xXx
    Pay ALL Your Debts Off By Xmas 2017 #13 £6000 Emergency Fund #1 £30/£6000 General £1000 Emergency Fund #13 £0/£1000 MSE Sealed Pot Challenge #089 - Stars From SueUU x23
    • Mooloo
    • By Mooloo 15th Mar 17, 7:03 AM
    • 9,001 Posts
    • 44,001 Thanks
    Mooloo
    I have managed to put away bits and pieces over the last few days and now have £189 in the fund.
    Slowly slowly as I am still trying to support my son as he has lost his job now, his GF has found work in a school However the pay will be monthly.
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • carbootcrazy
    • By carbootcrazy 15th Mar 17, 12:56 PM
    • 3,751 Posts
    • 21,039 Thanks
    carbootcrazy
    Paris in the Spring, what could be nicer? I'm green with envy, Helen, but you deserve the break more than anyone I know after all you've been through. Enjoy every minute


    Sorry I didn't see your post and reply before you left but, unlike you, I wasn't up and about in the middle of the night


    I agree with you, it's really great to have so many supportive and non-judgemental members. Here's to us all
    Make £10 A Day Challenge 2017. Jan-June: £1811.59 July: £346.57
    3-6 Months Emergency Fund Challenge #12: £1900.00/£3000. This is such hard going but I will do it.

    Original Debt: £56804 (@ LBM 02/13). Paid : £32316. Balance: £24488
    . These figures are completely out of date, must get them organised.
    • Hillwalker17
    • By Hillwalker17 15th Mar 17, 2:00 PM
    • 59 Posts
    • 127 Thanks
    Hillwalker17
    That's me up to £900 in my fund. Although this will go up and down in the coming months but it's a good start. At some stage I might use it for my debt repayments as I've been stupid recently (see sig) in spending money I don't have...

    Well done everyone else.
    Ex Gambling Addict - Last bet made on 15/03/2017 - 29 Days
    Slowly building an emergency fund - £1000/£6000
    • Dragon Lily
    • By Dragon Lily 17th Mar 17, 5:53 PM
    • 208 Posts
    • 2,198 Thanks
    Dragon Lily
    Hi DreamerHelen - hope you have a great time in Paris - lovely city

    Things are tight with having changed jobs to less hours and less money - but having extra time and less stress is worth it. I feel lucky to be able to do it.

    I've added £30 to my fund taking the total to = £906. Slowly creeping up to that first £1,000

    Can you update my total fig. Thanks
    Star from Sue-UU

    SPC10 #105 (banked £100)
    3-6 EF #66 Target £3000 (£1206) 40%
    • DreamerHelen
    • By DreamerHelen 18th Mar 17, 3:07 AM
    • 2,493 Posts
    • 13,419 Thanks
    DreamerHelen
    Morning Everyone

    So Paris was AMAZING!! Although it could very easily have ended badly as the local Train that I was on getting back to catch the Eurostar broke down so I had to frantically find a Taxi and get to Gare du Nord...luckily my Taxi Driver drove like the clappers and got me there in time...I even came back with just over 35 Euro's which I'll put towards my next Trip in July....Thank you everyone for your well-wishes...These little Trips help keep me going...

    Nothing to Report moneywise for me today....but I'll keep on keeping on....

    Here's to the Updates... xXx

    Mooloo - I've Updated the First Page...You're doing INCREDIBLE!! Keep on going....I'm so sorry to hear that you're having family stuff going on, hopefully it will sort itself out... xXx

    carbootcrazy - Thank you for what you said, it was lovely...Paris was amazing as always....And LoL I know, I'm always up at weird times, look at today for example!! And yes, I agree, we have a lovely Thread here with lovely people xXx

    Hillwalker17 - I've Updated the First Page...You're doing AWESOME!! Keep moving forwards and take one day at a time... xXx

    Dragon Lily - I've Updated the First Page...You're doing BRILLIANTLY!! I know you can do it...and Thank You, Paris was wonderful xXx
    Pay ALL Your Debts Off By Xmas 2017 #13 £6000 Emergency Fund #1 £30/£6000 General £1000 Emergency Fund #13 £0/£1000 MSE Sealed Pot Challenge #089 - Stars From SueUU x23
    • Munchin
    • By Munchin 18th Mar 17, 6:09 AM
    • 1,995 Posts
    • 5,747 Thanks
    Munchin
    Morning Helen

    Could you drop my total fund down to £1300 #13 please - I took money out to pay my car insurance.

    Thank you
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