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  • FIRST POST
    • DreamerHelen
    • By DreamerHelen 20th Oct 15, 8:30 AM
    • 2,498Posts
    • 13,430Thanks
    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: £0/£6000
    2) Dobbibill - GOAL: £9000 CURRENTLY: £0/£9000 - COMPLETE!!
    2) Dobbibill - NEW GOAL: £5000 CURRENTLY: £3102.34/£5000
    3) Patman99 - CURRENTLY: £240
    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: £2160/£4000
    10) crazy_cat_lady - GOAL: £6338 CURRENTLY: £346.92/£6338
    11) stormpassing - GOAL: £5400 CURRENTLY: £30/£5400
    12) carbootcrazy - GOAL: £5000 CURRENTLY: £3733/£5000
    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: £1750/£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: £5050 CURRENTLY: £800/£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: £1250/£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 £0/£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: £1105/£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: £4677/£5000
    71) indigowarrior - GOAL: £6000
    72) angelpye - GOAL: £4200
    73) HoneyBee83 - GOAL: £1000 CURRENTLY: £800/£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
    83) Moneybutterfly - GOAL: £1000 CURRENTLY: £270/£1000
    84) moneymanager - GOAL: £1500
    85) fruitloop04 - GOAL: £6000 CURRENTLY: £750/£6000
    86) peedie - GOAL: £6000

    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; 18-09-2017 at 1:33 AM.
    Pay ALL Your Debts Off By Xmas 2017 #13 £6000 Emergency Fund #1 £0/£6000 General £1000 Emergency Fund #13 £0/£1000 MSE Sealed Pot Challenge #089 - Stars From SueUU x23
Page 79
    • HoneyBee83
    • By HoneyBee83 28th Jun 17, 9:19 AM
    • 331 Posts
    • 3,474 Thanks
    HoneyBee83
    Morning all,
    Just here to report my EF is now at £300/£1000...Slowly getting there
    SPC #050 £250.00
    Emergency Savings #73 = £800.00/£1,000
    House Savings = £13,000/£15,000 + £250.00 Furniture
    Morrisons= £55.00/£100.00 Xmas 2017=£150/£200
    Holiday Fund, Greece = £0.00/£2,000
    • muppets
    • By muppets 1st Jul 17, 8:27 PM
    • 639 Posts
    • 4,688 Thanks
    muppets
    Evening all,
    Just stopping by to report my EF is now at €4,000/€15,000
    PAYDBX 2017 - #01 Pd £6,842.19 / £11,000 - 62.20%
    SPC10 #93
    MFiT-T4 #9
    3-6 mth EF
    €4,000 / 15,000 Wombles #24 = 540.20
    Mortgage - PD 82,672.19 / 271,495.07 29.17% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt
    • DreamerHelen
    • By DreamerHelen 2nd Jul 17, 1:40 AM
    • 2,498 Posts
    • 13,430 Thanks
    DreamerHelen
    Morning Everyone...

    Well things seem to (*Touch Wood*) be getting MUCH better....My Psychotherapy Business seems to be taking off, so long may it continue!!

    Nothing to Report moneywise for me in terms of the Emergency Fund....but I haven't completely sorted my Money out this Week so I may have a fiver to put in tomorrow when I hopefully will get it sorted....

    You're all doing AMAZING....Let's ALL keep on going...

    Here's to the Updates xXx

    LittleMissDetermined - I've Updated the First Page...You're doing AWESOME!! Dubrovnik sounds wonderful...I hope you have an amazing time!! xXx

    dfbefore30 - I've Updated the First Page...You're doing BRILLIANTLY!! Well Done on getting past the £3000-mark... xXx

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

    Dobbibill - I've Updated the First Page...You're doing AMAZING!! Great to see you....hope you are well hun xXx

    carbootcrazy - I've Updated the First Page...You're doing AWESOME!! Am I right in that your Total is now £1900? The re-think sounds great...it sounds like you are doing great, keep going... xXx

    benten69 - You will get there hun, do you have any Updates that you want me to put on the First Page? xXx

    stoplurking - I've Updated the First Page....You're doing BRILLIANTLY!! Good to see you...and thank you for your lovely words, you are more than welcome xXx

    HoneyBee83 - I've Updated the First Page...You're doing GREAT!! Keep on going and moving forwards xXx

    muppets - I've Updated the First Page....You're doing AMAZING!! Keep on going... good to see you, hope you are doing really well xXx
    Pay ALL Your Debts Off By Xmas 2017 #13 £6000 Emergency Fund #1 £0/£6000 General £1000 Emergency Fund #13 £0/£1000 MSE Sealed Pot Challenge #089 - Stars From SueUU x23
    • skye blue
    • By skye blue 2nd Jul 17, 2:28 PM
    • 95 Posts
    • 423 Thanks
    skye blue
    Hi all,

    glad things are looking up for you helen, you deserve good times

    Please add £20 to my total

    Enjoy your weekend everyone
    • LittleMissDetermined
    • By LittleMissDetermined 2nd Jul 17, 3:23 PM
    • 1,740 Posts
    • 7,216 Thanks
    LittleMissDetermined
    Hello everyone, so please things are going well for you Helen, it's about time you had a run of good luck

    Please add another £350 to my pot, taking it (temporarily) to £2364.14 - anything to stop me from holiday clothing temptation!

    LMD x
    Target Debt Free Day 27th Jun 2019
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1276.77/£1000 ... 3-6Mth Wages Challenge #4 £1704.14/£7129...
    24 months of Debt-busting to go...
    • abundant1972
    • By abundant1972 3rd Jul 17, 9:35 PM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Evening all

    New month means another payment...

    Amount added = £250
    3-6 Month EF = £750/£4500


    Congratulations Helen on the business success - I'm really happy for you. You have worked hard for your success - it's well deserved for sure!

    Keep up the awesome work everyone!!!


    Repay Car : Phase 2 : £0/£500 by 13/09
    Follow your heart & be true to yourself always
    Help To Buy ISA = £4683.65. EF = £1250/£4500
    NST Sept : NSD=1/16 : Food £25/£100 : Spends £25/£100
    365 Day 1p Challenge = £556.80/£667.95. £1.00 a Day = £273.00/£365.00
    Spiritual Practice =0/31. Exercise Sessions 1/14. Cash Bonus = £26/£150 + £267/£399
    • Dobbibill
    • By Dobbibill 4th Jul 17, 7:21 AM
    • 2,282 Posts
    • 3,411 Thanks
    Dobbibill
    #2 checking in with another small addition

    £14.04 added - new total £825.13 aka 16.50%

    keep on keeping on

    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 4th Jul 17, 8:48 AM
    • 4,077 Posts
    • 22,881 Thanks
    carbootcrazy
    carbootcrazy - I've Updated the First Page...You're doing AWESOME!! Am I right in that your Total is now £1900? The re-think sounds great...it sounds like you are doing great, keep going... xXx
    Originally posted by DreamerHelen
    Sorry if I confused you, Helen. Yes, my total is now £1900. Never thought I'd ever reach that amount so it's all systems go to find ways of making/saving the rest.


    Challenges like this are really addictive, thanks to all the lovely support and encouragement from everyone who joins in


    You're all doing so well


    As Dobbi always encourages us to do, let's all 'keep on keeping on' eh?
    Make £10 A Day Challenge 2017. Jan-Aug: £4112.05 Sept: £124.86
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there
    • sophieo16
    • By sophieo16 5th Jul 17, 7:54 PM
    • 151 Posts
    • 784 Thanks
    sophieo16
    Hello everyone,

    Monthly update for me. Car fund total:

    #5 £2862.51 (57.25%)

    A family member is actually looking at trading in her 09 Toyota Yaris against a new car and she has offered to sell me the Toyota for £100 less than the part ex the garage is offering her.

    Ive thought about it but i feel like I'm better off continuing to save to my £5000 aim and buying in that price range, this way ill end up with a better car which will be worth more when i come to sell in years to come. I think if i took the deal she is offering id be stepping sideways rather than upwards....

    But any advice would be appreciated if possible!
    DEBT FREE 08/2015 EF #60: £1000/£1000 3-6 EF #5 £3000/£3000

    Next Steps:
    1. Car Fund: £2862.51 / £5000 (57.25%)
    2. House Deposit Savings:£0/£35,000 (0%)
    • Jellybeans&FF
    • By Jellybeans&FF 6th Jul 17, 8:58 AM
    • 2 Posts
    • 10 Thanks
    Jellybeans&FF
    Morning everyone,
    I'm new to the forum messaging so apologies if it seems a bit messy.

    I would like to have a goal of £9000 for my emergency fund. I only have £20 in there but hope to have a bit more by the end of the month

    I love reading all your comments on the board and its great because it pushes me to be better at savings :-)
    • Dobbibill
    • By Dobbibill 6th Jul 17, 9:12 AM
    • 2,282 Posts
    • 3,411 Thanks
    Dobbibill
    Morning everyone,
    I'm new to the forum messaging so apologies if it seems a bit messy.

    I would like to have a goal of £9000 for my emergency fund. I only have £20 in there but hope to have a bit more by the end of the month

    I love reading all your comments on the board and its great because it pushes me to be better at savings :-)
    Originally posted by Jellybeans&FF
    Hi Jellybeans - welcome to the forum & the challenge.

    Helen will be along shortly and will add you to the first page along with your goal, keep us updated with your progress and challenges along the way.

    It has to start to reach your goal and you've made a start - that's a bigger amount than last week so you've made the first step.

    Good luck, all the best and keep at it.

    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 6th Jul 17, 10:35 AM
    • 4,077 Posts
    • 22,881 Thanks
    carbootcrazy
    Hello everyone,

    Monthly update for me. Car fund total:

    #5 £2862.51 (57.25%)

    A family member is actually looking at trading in her 09 Toyota Yaris against a new car and she has offered to sell me the Toyota for £100 less than the part ex the garage is offering her.

    Ive thought about it but i feel like I'm better off continuing to save to my £5000 aim and buying in that price range, this way ill end up with a better car which will be worth more when i come to sell in years to come. I think if i took the deal she is offering id be stepping sideways rather than upwards....

    But any advice would be appreciated if possible!
    Originally posted by sophieo16
    Difficult one

    If your current car is still reliable and not incurring too many expensive bills for repairs/replacement parts I'd be tempted to stick with what you already have and keep on saving for a younger car.


    The only 'plus' in buying the Toyota, in my view, is that you probably trust the family member who is selling the car and you probably already know the car and all its little idiosyncrasies and past history.

    I'm in worse position than you with a very old car which is suddenly beginning to cost more and more to repair. I may have to resort to replacing it sooner rather than later with something cheap and cheerful

    Good Luck
    Last edited by carbootcrazy; 06-07-2017 at 10:38 AM.
    Make £10 A Day Challenge 2017. Jan-Aug: £4112.05 Sept: £124.86
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there
    • x_raphael_xx
    • By x_raphael_xx 7th Jul 17, 9:24 PM
    • 3,376 Posts
    • 16,897 Thanks
    x_raphael_xx
    £100 slipped into the EF. Total is now £1400
    My mot is due this month, whatever is left I will throw at the EF too.
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • sophieo16
    • By sophieo16 7th Jul 17, 9:44 PM
    • 151 Posts
    • 784 Thanks
    sophieo16
    Difficult one

    If your current car is still reliable and not incurring too many expensive bills for repairs/replacement parts I'd be tempted to stick with what you already have and keep on saving for a younger car.


    The only 'plus' in buying the Toyota, in my view, is that you probably trust the family member who is selling the car and you probably already know the car and all its little idiosyncrasies and past history.

    I'm in worse position than you with a very old car which is suddenly beginning to cost more and more to repair. I may have to resort to replacing it sooner rather than later with something cheap and cheerful

    Good Luck
    Originally posted by carbootcrazy
    Thanks for the advice carbootcrazy

    Its a funny one at the moment, I don't actually know a lot about the car. My gut is telling me to carry on saving however, I'm having an issue with my battery at the moment so its urging me to save even more quickly.

    I think I'm going to continue saving rather than make a rash decision on the wrong car just to switch. i have my £1000 emergency fund for things like car repairs etc so i suppose that is there to use in situations like this until i can get my £5000 saved.
    DEBT FREE 08/2015 EF #60: £1000/£1000 3-6 EF #5 £3000/£3000

    Next Steps:
    1. Car Fund: £2862.51 / £5000 (57.25%)
    2. House Deposit Savings:£0/£35,000 (0%)
    • carbootcrazy
    • By carbootcrazy 9th Jul 17, 10:40 AM
    • 4,077 Posts
    • 22,881 Thanks
    carbootcrazy
    Thanks for the advice carbootcrazy

    Its a funny one at the moment, I don't actually know a lot about the car. My gut is telling me to carry on saving however, I'm having an issue with my battery at the moment so its urging me to save even more quickly.

    I think I'm going to continue saving rather than make a rash decision on the wrong car just to switch. i have my £1000 emergency fund for things like car repairs etc so i suppose that is there to use in situations like this until i can get my £5000 saved.
    Originally posted by sophieo16
    If it's just a battery problem I wouldn't worry too much. New ones aren't all that expensive and they are just 'wear and tear' items that we all have to replace from time to time. Your EF shouldn't take much of a hit.

    I know several people who have made rash decisions about buying a car in haste (OH for one and I always thought he was astute where cars were concerned).


    Good Luck
    Make £10 A Day Challenge 2017. Jan-Aug: £4112.05 Sept: £124.86
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there
    • Dobbibill
    • By Dobbibill 18th Jul 17, 11:08 PM
    • 2,282 Posts
    • 3,411 Thanks
    Dobbibill
    Sad new as my car finally died on me.

    This meant a new car was a must - the 2nd EF is wiped out and the main fund is down to £2701.13 aka 30.01% so a huge drop.

    Back to almost the start to build it back up.

    On the bright side - car is pretty new so shouldn't have any repairs to pay out on it for a good while.

    keep on keeping on

    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 19th Jul 17, 12:13 PM
    • 4,077 Posts
    • 22,881 Thanks
    carbootcrazy
    Sorry to hear about the car. Dobbibill, but at least you've been brilliant at building up some great emergency savings that have been enough to ease the pain.


    On the plus side, as you say, maintenance/repair costs will be a minimum for a few years. 'Knowing' you, you'll have a healthy EF again before you know it.


    Happy motoring (not that I'm advocating drink-driving of course)
    Make £10 A Day Challenge 2017. Jan-Aug: £4112.05 Sept: £124.86
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there
    • carbootcrazy
    • By carbootcrazy 19th Jul 17, 12:31 PM
    • 4,077 Posts
    • 22,881 Thanks
    carbootcrazy
    I came on here in the first place to share some great news and got sidetracked when I read Dobbibill's post so replied to that first. Sorry I haven't been on here much lately, RL has a nasty habit of keeping me occupied on much less pleasant activities


    I received a letter on Monday saying my PPI claim had been upheld and a cheque for £1458 would reach me within 28 days. I know it isn't anywhere near the amount that some people reclaim but it was only on a short loan and this payout will mean the world to me in my current financial state.


    I never had PPI on a lifetime of loans and other things except for a very small amount from many moons ago that I was repaid after a lengthy fight which eventually involved the Ombudsman. This current one was one I didn't even know for sure I ever had PPI on, (I still, can't understand why I ever took it out as it was so unlike me), I just had a gut feeling that just maybe I did. The company could find no record but said if I could supply any old statement or other paperwork they'd investigate it again. It was from so long ago that I was all set to let it go as I knew I had no paperwork from that far back. I doubted that I ever had it anyway. Then totally by chance I discovered a solitary old statement from 2001 amongst piles of genealogy paperwork that I was flicking through one last time before recycling and lo and behold it showed the PPI on it


    The company concerned were very good and it was only a few weeks before they got back to me with the result. I won't update my total until the cheque is received and cleared but I just had to come on here and share.


    I hope everyone is doing well at the moment. Sending hugs and positive vibes to anyone who needs them.
    Make £10 A Day Challenge 2017. Jan-Aug: £4112.05 Sept: £124.86
    3-6 Months Emergency Fund Challenge #12: £3733.00/£5000.

    Original Debt: £56804 (@ LBM 02/13). Balance now: £15841
    . Getting there
    • Dobbibill
    • By Dobbibill 20th Jul 17, 9:31 PM
    • 2,282 Posts
    • 3,411 Thanks
    Dobbibill
    Well done carbootcrazy - brilliant news.
    I hope it comes sooner rather than later.

    #2 update too......
    added £182.38 so new total now stands at £2883.51 aka 32.04%.
    Almost at a third already - gonna keep plodding on.

    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.
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    A person who never made a mistake, never tried anything new.
    • DreamerHelen
    • By DreamerHelen 21st Jul 17, 6:43 AM
    • 2,498 Posts
    • 13,430 Thanks
    DreamerHelen
    Morning Everyone

    I'm so sorry for not being around....My Psychotherapy Business has taken off so much that I've been exhausted and unable to do very much apart from keep going with Work....So I haven't had an awful lot of time to do much else....I'll try to do better...

    In other good news....I've managed to add some to my £6000 Emergency Fund...So I'm now up to £30...slowly slowly as they say!

    So all is well at the moment...Long may it continue for ALL of us...

    Here's to the Updates... xXx

    skye blue - I've Updated the First Page...You're doing AMAZING!! Keep on going hun...And thank you, things are looking good right now... xXx

    LittleMissDetermined - I've Updated the First Page...You're doing INCREDIBLE!! I know you can do this....so keep on going...and thank you for your lovely kind words... xXx

    abundant1972 - I've Updated the First Page...You're doing AWESOME!! You know you can do this!! Thank you also for your lovely words...they are much appreciated... xXx

    Dobbibill - I've Updated the First Page...You're doing BRILLIANTLY as always...I got a little confused with your Updates so please do check the First Page and make sure I've got it right if you get the chance...I'm so sorry to hear that your Car died...hope you're doing okay and thank you for welcoming our newest Member... xXx

    carbootcrazy - You are doing AWESOME!! Stick with it....And CONGRATULATIONS on the PPI Payment...That sounds wonderful... xXx

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

    Jellybeans&FF - WELCOME WELCOME WELCOME!! It's great to have you here...I'm so sorry it's taken me a little while to Welcome you to the Group.....You are most Welcome to be here...I have added you to the Members List on the First Page and have put your Target and what you have so far....You CAN do this!! Please do come back and let us know how you are getting on... xXx

    x_raphael_xx - I've Updated the First Page...You're doing GREAT...Keep on going....I know things can be tough but you're doing a WONDERFUL job of keeping on....and adding to your Fund when you can xXx
    Pay ALL Your Debts Off By Xmas 2017 #13 £6000 Emergency Fund #1 £0/£6000 General £1000 Emergency Fund #13 £0/£1000 MSE Sealed Pot Challenge #089 - Stars From SueUU x23
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