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  • FIRST POST
    • DreamerHelen
    • By DreamerHelen 20th Oct 15, 8:30 AM
    • 2,493Posts
    • 13,418Thanks
    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 75
    • Keeping Motivated
    • By Keeping Motivated 19th Apr 17, 10:19 AM
    • 3,536 Posts
    • 11,676 Thanks
    Keeping Motivated
    Hi Everyone hope you're all doing well and managing to keep on with your targets

    DreamHelen I am able to add £2000 to my total this month so my new total of the next target is £3150
    3-6 Mth EF #24 - £6000/£6000 Next Target £3790/£6000
    • Mooloo
    • By Mooloo 19th Apr 17, 6:30 PM
    • 9,000 Posts
    • 43,993 Thanks
    Mooloo
    My new total is £450
    I am getting there slowly
    When I die I will know that I have lived, loved, mattered and made a difference, even if in a small way.
    • DreamerHelen
    • By DreamerHelen 20th Apr 17, 6:47 AM
    • 2,493 Posts
    • 13,418 Thanks
    DreamerHelen
    Morning Everyone...

    I went to see the Doctor yesterday as I was still feeling a bit sick and dizzy everyday since the Weekend...she said that my tummy is inflamed and has given me some Medication to help with that...so fingers crossed I'll be fine for my Weekend down in Cornwall with my Family...

    I'm putting another Fiver into my Pot this morning....So I'm pleased with that...It's going slowly slowly....but there's nothing wrong with that...

    Here's to the Updates xXx

    wegle - I've Updated the First Page and you're doing AWESOME!! Keep on going.....I'm doing well thank you...I'm glad to hear that your Son is doing okay...that must have been really scary xXx

    Dogbooks - I'm doing much better thank you....Ooooh where in Yorkshire are you going to for the Hen Party? I'm being nosey but I know Yorkshire relatively well....I'm off to York for the day in May as it's such a beautiful City... xXx

    Keeping Motivated - I've Updated the First Page...You're doing AMAZING!! That's VERY impressive...£2000 in one go....Keep going... xXx

    Mooloo - I've Updated the First Page....You're doing BRILLIANTLY!! Keep on going 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
    • Dobbibill
    • By Dobbibill 20th Apr 17, 8:00 AM
    • 2,172 Posts
    • 3,305 Thanks
    Dobbibill
    Morning Everyone,

    I hope that medication kicks in in time for your weekend away Helen. Well done on adding to your EF too - little by little is good, we've always said it's not a race and something going in is better than something coming out, no matter how big

    #2 update - part 2/2
    £215.32 added making my new total £407.94 aka 8.16%

    Keep on keeping on Everyone

    Dobbi
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.


    A person who never made a mistake, never tried anything new.
    • carbootcrazy
    • By carbootcrazy 20th Apr 17, 8:04 AM
    • 3,733 Posts
    • 20,972 Thanks
    carbootcrazy
    Well done to everyone who has added anything to their savings recently. I've decided the best way for me is to sweep all the 'surplus' money from my current account and into my challenge savings pot at the very end of each month. Sometimes there isn't much as paying off my debts has to take precedence and I'm so determined not to touch this challenge money for any reason whatsoever. I don't want to put it into my savings account only to have to withdraw it days later. I'm not saving it for emergencies as such, it's for my 'new to me' car when my current old friend finally dies. I don't want to have to swap one old banger for another because of depleted savings. It will still be a used car but as 'young' as I can afford when the day comes. I live in a very rural area without any public transport nearer than 3 miles away (and that's only a 2-hourly bus at certain times of the day). Nearest tiny village shop is almost 5 miles away and facilities like Doctor and vet even further than that. As you can see, a reliable car is an absolute essential


    Helen, I'm so pleased you have been to the Doc and are now taking something to make you feel better in time to enjoy a lovely family weekend. Have a wonderful time


    Hugs to anyone else who has been having worries and setbacks recently. I hope all is well with you all now


    Congratulations to all the savers and commiserations to all who have had to spend
    Make £10 A Day Challenge 2017. Jan-June: £1811.59 July: £153.02
    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.
    • Dogbooks
    • By Dogbooks 20th Apr 17, 9:15 PM
    • 32 Posts
    • 80 Thanks
    Dogbooks
    This is such a lovely group, love hearing about everyone's updates! Hope the illness goes in time for you Dreamer Helen, fingers crossed!

    Dogbooks - I'm doing much better thank you....Ooooh where in Yorkshire are you going to for the Hen Party? I'm being nosey but I know Yorkshire relatively well....I'm off to York for the day in May as it's such a beautiful City... xXx
    Well.. it's two events I'm going to- the hen party is in Bath for a friend I went to school with. Then the Yorkshire weekend is next month catching up with uni friends. My friend lives near Bingley but out in the country somewhere- it looks beautiful! It's lovely to catch up with friends but the trains and food/ drink is definitely my biggest expense!

    I've decided the best way for me is to sweep all the 'surplus' money from my current account and into my challenge savings pot at the very end of each month.
    Carbootcrazy- I am planning to do the same thing too! Just waiting for that payday at the end of the month I like your tactic about not touching it and I'm sure it will soon build up

    The good news is I have pretty much cleared my credit card (made a payment of £200 today!) and paid the bride's sister £80 as the final installment for the hen party... feels like an expensive day but paid off important things!
    Goals for 2017:
    • Complete purchase of house
    • Save emergency fund- £1200/ £9300
    • skye blue
    • By skye blue 21st Apr 17, 9:22 PM
    • 84 Posts
    • 400 Thanks
    skye blue
    HI guys

    hope you feeling better soon helen

    like everyone im waiting for payday ..... it sometime feels like i wish my life away

    carboot crazy can i ask if you buy or sell at the car boots - a friend told me she goes to sell at 4.00am!!
    • carbootcrazy
    • By carbootcrazy 21st Apr 17, 10:02 PM
    • 3,733 Posts
    • 20,972 Thanks
    carbootcrazy
    HI guys

    hope you feeling better soon helen

    like everyone im waiting for payday ..... it sometime feels like i wish my life away

    carboot crazy can i ask if you buy or sell at the car boots - a friend told me she goes to sell at 4.00am!!
    Originally posted by skye blue
    I just sell stuff that I've already got including loads of things passed on from my Mum and just general clutter hoarded over a lifetime. Nothing very exciting but one man's trash is another man's treasure as they say


    I don't buy in to sell on although I'm an avid reader and can't resist spending some of my takings on books for myself (which I do sell once I've read them). I only do this if the sellers nearest to my pitch have any, I do car boots on my own so can't leave my pitch to have a good wander round


    Most of the sales I go to start at the crack of dawn. Like your friend I'm there very early often when it's still dark. Not quite as early as 4 a.m. though. The one I use most lets sellers in from 5.30 and I have to leave home about 4.45 to get there. It's essential to go early to get a good pitch. Get there just before the start and you often get pushed into the last available spaces right at the extremities of the field where a lot of buyers can't be bothered to venture. It's good fun though, I really enjoy doing them.
    Make £10 A Day Challenge 2017. Jan-June: £1811.59 July: £153.02
    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 25th Apr 17, 1:00 PM
    • 541 Posts
    • 1,563 Thanks
    wegle
    Hello Everyone, Seems like everyone is doing really well.

    I've had a bit of luck here. Since I got a payrise at work I knew my tax credits and housing benefit would likely be stopped or at least dropped down so whilst they were sorting it all out I made sure to just put the payments they were still paying me to one side as I thought I would just have to pay it pack. As it turns out my Tax credits have reduced but they've taken into account what they have already paid me so I get to keep that and in a weird turn of events my housing benefit has gone up!

    The upshot of all that is I've managed to add £225.23 to my fund bringing my total so far to £687.85 .I should also from now on be able to save at least £90 a month towards my fund. I'll also be opening a JISA for my son and throwing £25 a month at that with a view to increasing it once I'm back working full time.

    Nearly payday and really hoping to be past the first £1000 mark soon.

    Hope everyone else is well!
    May NSD Challenge - 0/16
    3 Month Emergency Fund Challenge - £548.23/£6000
    Bring Lunch to Work Everyday - 1/17
    • Dragon Lily
    • By Dragon Lily 26th Apr 17, 6:44 PM
    • 208 Posts
    • 2,198 Thanks
    Dragon Lily
    Hi DreamerHelen


    Hope you enjoyed your weekend in lovely Cornwall


    I've another £25 to add to my EF taking the total to £1031 now. I'm a third of the way to my goal but will split it into £250/£500 mini targets, so it doesn't seem so far way


    Sig. updated
    DL x
    Star from Sue-UU

    SPC10 #105 (banked £100)
    3-6 EF #66 Target £3000 (£1206) 40%
    • DreamerHelen
    • By DreamerHelen 28th Apr 17, 12:41 PM
    • 2,493 Posts
    • 13,418 Thanks
    DreamerHelen
    Afternoon Everyone...I'm actually Posting at a decent time of the day!!

    Cornwall was really lovely...It was nice to get a break and to see my Brother and his Family...We went to a lovely Wildlife Park on the Saturday and that was really nice..

    I've put another Fiver in both my £6000 Emergency Fund and my general £1000 Emergency Fund...so I'm pleased about that...

    Here's to the Updates...Hope everyone is well and staying warm in this dreadful weather!! xXx

    Dobbibill - I've Updated the First Page...You're doing AWESOME!! Keep on going...and you're right, it is most definitely not a race and at least I'm putting in money that I can afford to put in...Cornwall was lovely thank you xXx

    carbootcrazy - Thank you for your lovely words, I am feeling much better, much more like myself again...the Weekend was great and helped me to recuperate....I like the idea of your Saving Goals, go for it hun xXx

    Dogbooks - You're right, this is a really friendly Thread and I'm very grateful that it is as no one is perfect and we all make mistakes, the thing is to learn from it not to get criticised for it so I'm glad that we don't do that....I'm glad that you have paid off some of your things, that's a great thing to do and must make you feel better about taking the time to do them now and enjoy yourself xXx

    skye blue - I am feeling better now thanks hun...It took a while but hopefully I won't have anything like that again anytime soon....How are you getting on? xXx

    wegle - I've Updated the First Page...You're doing AMAZING!! Keep on moving forwards...And that's great news on the Tax Credits....are you going to treat yourself or save some of it or a mixture of both? xXx

    Dragon Lily - I've Updated the First Page...You're doing INCREDIBLE!! Keep going hun....Cornwall was great thank you 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
    • Keeping Motivated
    • By Keeping Motivated 28th Apr 17, 3:53 PM
    • 3,536 Posts
    • 11,676 Thanks
    Keeping Motivated
    Hi Helen I am glad you had a good time and feeling better

    I am adding £600 today so can you update my total please to £3750 of the new target. I will update my signature now
    3-6 Mth EF #24 - £6000/£6000 Next Target £3790/£6000
    • stoplurking
    • By stoplurking 30th Apr 17, 8:36 AM
    • 322 Posts
    • 2,055 Thanks
    stoplurking
    Hi everyone
    Glad you're feeling better Helen. Thanks for keeping us all updated.

    My new total is £1840/4000. Thanks and good luck for May everyone.
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £2000/4000 50%
    • x_raphael_xx
    • By x_raphael_xx 30th Apr 17, 9:33 AM
    • 3,356 Posts
    • 16,521 Thanks
    x_raphael_xx
    Hi all, I'm back.
    Disappeared for a while as laptop and internet was starting to take over my life, so I took a break from it to try and wean myself off.
    Successful little venture, I've balanced out my the other aspects of my life a little and can trust myself not to sit like a slobby blob infront of the computer for hours at a time.

    In my absence I have slowly added £526.76 to my savings pot, bringing my total up to £951.76
    Debt Free as of 17/01/2009 Turtle Power!!
    July NSD's 13/20
    EF Challenger #36 £1400/£4000
    / Lose weight 17.6 / 20lbs
    • skye blue
    • By skye blue 30th Apr 17, 6:55 PM
    • 84 Posts
    • 400 Thanks
    skye blue
    Hi helen and everyone

    Glad things are looking up for you helen, long may it continue

    Please add £20 to my total, just keeping that going as well as putting any extra into my mortgage pot

    Got up at 4.00 to do a carboot (are you proud of me carbootcrazy i managed it) !!

    Ive been putting it off due to the bad weather but it was cold, windy and really really quiet. I only made £37.50 after paying my car fee/ I know its extra but this is the lowest amount ive ever made previously £50's. I planned on doing one at the end of the month but im really not sure now

    Anyway its in the mortgage pot now

    Enjoy the bank holiday
    • Dogbooks
    • By Dogbooks 1st May 17, 3:47 PM
    • 32 Posts
    • 80 Thanks
    Dogbooks
    Hi all, hope everyone is having a fab bank holiday! I came back from the Hen Party in Bath- it was so beautiful there and we all had a great time!
    I've been looking at the savings spreadsheet and found out after the deposit and legal fees come out we currently have £1900 extra!! So OH and I have decided half is for the emergency fund and half is for house things when we move in. Please can my total be updated to £950?

    Also just booked my travel to Yorkshire for the end of the month- by going by coach instead of train saved half the money wahoo! Looking forward to putting that money in the fund at the end of May
    Last edited by Dogbooks; 01-05-2017 at 5:19 PM.
    Goals for 2017:
    • Complete purchase of house
    • Save emergency fund- £1200/ £9300
    • Determined diva
    • By Determined diva 1st May 17, 7:33 PM
    • 584 Posts
    • 2,723 Thanks
    Determined diva
    Hi dreamer Helen,

    Sorry I've been MIA lately, I've been busy with so,e bar work as an extra job to help with my emergency fund and debt!

    I'm pleased to say that I am up to £1,050 now (goal is £2k). Will keep going to get to that £2k goal of mine ��������

    #68 determined diva

    DDx
    Last edited by Determined diva; 01-05-2017 at 7:37 PM.
    3-6 Month Emergency Fund Challenge!! #68 (£1,050/£2,000)
    Pay ALL your debt off by Xmas 2017 #92 (£0.00/£7.000)
    The "Save 12k in 2017" Thread! #TBC (£1,050/£2,000)

    • carbootcrazy
    • By carbootcrazy 2nd May 17, 8:40 AM
    • 3,733 Posts
    • 20,972 Thanks
    carbootcrazy
    Got up at 4.00 to do a carboot (are you proud of me carbootcrazy i managed it) !!

    Ive been putting it off due to the bad weather but it was cold, windy and really really quiet. I only made £37.50 after paying my car fee/ I know its extra but this is the lowest amount ive ever made previously £50's. I planned on doing one at the end of the month but im really not sure now
    Originally posted by skye blue
    Yes, skye blue, I'm very proud indeed

    There are lots of reasons why sellers and buyers stay away, poor weather being a major factor. Buyers aren't used to getting up and going out so early in the mornings whilst it's still really chilly. This early in the year before the outdoor car boot season really gets into full swing people aren't used to discovering when they're on. Also, a busy weekend like a Bank Holiday one often means there are so many other events on and people have too much choice about how to spend their time. There are plenty of factors that can contribute to a poor sale but please don't let it put you off. By the end of May you'll probably find weather conditions and interest from buyers much improved

    I did a car boot sale yesterday instead of a regular early Sunday morning one. OH had to drive past the Sunday one on his way home from somewhere and he said it looked very thin on the ground. Normally, that one is heaving. The one I did on the Monday afternoon was part of a May Day Fun Day and attracted lots of families and probably people who wouldn't go to car boot sales normally. There were a lot of sellers though so lots of competition. Managed to make £131 after fees but I know that was a 'one off'.

    Good Luck and well done on what you did make
    Make £10 A Day Challenge 2017. Jan-June: £1811.59 July: £153.02
    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 2nd May 17, 11:56 AM
    • 541 Posts
    • 1,563 Thanks
    wegle
    Happy May everyone! Hope you all had a lovely bank holiday weekend. It managed to rain the whole weekend here so we had lots of indoor playtime which my son was most upset about!

    My emergency fund has taken another dive, but ultimately it's for a good reason. I had £261 of catalogue debt hanging around that was on 0% but I just thought sod it! Get rid of it, so I used my emergency fund to get it paid off. So I'm down to £548.23 at the moment but I'm confident it will be going back up soon as I have nothing else coming up that should dent it. The only thing that might is when I get the car serviced in July as I might not have enough saved in my car maintenance fund by then.

    Today I also opened my son's Junior ISA and have selected his investment fund. I'm going to be putting £25 a month into there for the time being and hoping to up it over the years.
    May NSD Challenge - 0/16
    3 Month Emergency Fund Challenge - £548.23/£6000
    Bring Lunch to Work Everyday - 1/17
    • HoneyBee83
    • By HoneyBee83 2nd May 17, 12:14 PM
    • 329 Posts
    • 3,462 Thanks
    HoneyBee83
    Morning all,
    Still stuck at £135.00 due to vet bills!
    Hoping to add a little come pay day this week.
    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
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