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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 81
    • abundant1972
    • By abundant1972 13th Aug 17, 12:31 PM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Afternoon Everyone!

    Apologies for late addition this month - I have been away visiting family in Manchester... August's payment went in:

    Amount added = £250
    3-6 Month EF = £1000/£4500


    It feels good to have a solid 1K in reserve again. Keep up the good 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 19th Aug 17, 11:00 PM
    • 2,282 Posts
    • 3,411 Thanks
    Dobbibill
    Haven't been here as often as I would like due to working away from home for a few weeks.

    #2 update

    A little added, a little removed and the balance now sitting at £3102.34 aka 34.47%

    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.
    • fruitloop04
    • By fruitloop04 21st Aug 17, 8:13 AM
    • 111 Posts
    • 223 Thanks
    fruitloop04
    Hello! Can I join this challenge please? I would like to have £6000 in my EF and currently have £500. Thanks!
    16.08.2017 CC 1 - £2050 £1861.07 CC 2 - £1766.82 £1500 Emergency savings: £750/£6000
    Mortgage - April 2017 £153,000 £150,492
    September NSDs 4/10. Debt free by xmas: 455.75/1500
    BYOLTW: 4/10
    • fruitloop04
    • By fruitloop04 25th Aug 17, 7:28 AM
    • 111 Posts
    • 223 Thanks
    fruitloop04
    £250 put in emergency fund so upto £750
    16.08.2017 CC 1 - £2050 £1861.07 CC 2 - £1766.82 £1500 Emergency savings: £750/£6000
    Mortgage - April 2017 £153,000 £150,492
    September NSDs 4/10. Debt free by xmas: 455.75/1500
    BYOLTW: 4/10
    • dfbefore30
    • By dfbefore30 25th Aug 17, 7:38 AM
    • 26 Posts
    • 95 Thanks
    dfbefore30
    Just got paid so topped up my savings. Total is now £4677. I'm so close I can taste it!

    Well done everyone! We can do this!!
    • Dobbibill
    • By Dobbibill 25th Aug 17, 9:51 AM
    • 2,282 Posts
    • 3,411 Thanks
    Dobbibill
    Hi fruitloop04 - welcome to the challenge.

    When Helen pops in she will give you a number and add your target and progress to the first page. You are doing brilliantly already.
    Keep us updated with with it all, we will be cheering you on too.

    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.
    • fruitloop04
    • By fruitloop04 25th Aug 17, 7:42 PM
    • 111 Posts
    • 223 Thanks
    fruitloop04
    Thank you Dobbi - determined to get some savings in place!
    16.08.2017 CC 1 - £2050 £1861.07 CC 2 - £1766.82 £1500 Emergency savings: £750/£6000
    Mortgage - April 2017 £153,000 £150,492
    September NSDs 4/10. Debt free by xmas: 455.75/1500
    BYOLTW: 4/10
    • DreamerHelen
    • By DreamerHelen 28th Aug 17, 11:04 AM
    • 2,498 Posts
    • 13,430 Thanks
    DreamerHelen
    Hello Everyone

    Once again I've been neglectful...I'm so sorry, there is just so much going on here....Things are very up and down...One minute I'm on top of the world and doing well and the next minute I'm doing rubbish and in pain and feeling ill and feeling down...

    I've got a problem with my Hip which is causing problems but also I've not been at all well with a heavy Cold and Respiratory Infection...and that took a while to go...

    Anyway...I'm also doing rubbish with my Emergency Fund....but I WILL get there.....I just have to keep on plugging away...We all will....

    If you can all bear with me while things settle down I would really appreciate it and I will do my best to come on when I can... xXx

    Here's to the Updates....

    carbootcrazy - I've Updated the First Page with your current total and your new Target...You're doing AMAZING...and thank you for your lovely words, I'm struggling but I'll get there...just got to keep on plugging away... xXx

    abundant1972 - I've Updated the First Page...You're doing AWESOME!! Well done for getting to £1000...that's AMAZING!! Keep on going... xXx

    Dobbibill - I've Updated the First Page...You are doing so BRILLIANTLY!! I know you will keep on going...and thank you for welcoming our newest Member... xXx

    fruitloop04 - WELCOME WELCOME WELCOME...I'm so sorry it's taken me a while to Welcome you to the Group....There is lots going on for me right now....It's lovely to have you here...I've added you to the Members Page....Please do let us know how you get on...You're already doing AMAZINGLY!! Keep on going... xXx

    dfbefore30 - I've Updated the First Page...You're doing INCREDIBLY!! You are so close, keep on going... 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
    • crazy_cat_lady
    • By crazy_cat_lady 29th Aug 17, 10:49 AM
    • 3,329 Posts
    • 28,590 Thanks
    crazy_cat_lady
    Hi all
    I'm sneaking back onto this thread after far too long away from it... I was here right at the beginning, then life got in the way but now I'm back.
    Hope everyone is ok. I've been squirrelling money away and my savings now stand at £346.92 - which isn't bad when I think about all of the extra spending that seems to come my way. Small steps though, and I'm determined to get there.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Dragon Lily
    • By Dragon Lily 29th Aug 17, 4:52 PM
    • 213 Posts
    • 2,229 Thanks
    Dragon Lily
    Hi DreamerHelen


    Sorry you've been so unwell. It can be disheartening when multiple illnesses come together. Hope you are starting to feel better -

    I've not checked in for a while but still saving, although my total has gone down a little due to a little emergency spending - plumbing issue which wasn't too expensive to fix! Glad I had the cash to pay for it - that's what the EF is for

    My total has reduced to £1105 now but I'm hoping to reach my interim target of £1250 by the end of the year with a little help from my sealed pot!


    Can you update my total? (Sig updated)
    DL x
    Star from Sue-UU

    SPC10 #105 (banked £100)
    3-6 EF #66 Target £3000 (£1105) 37%
    • stoplurking
    • By stoplurking 30th Aug 17, 7:57 AM
    • 347 Posts
    • 2,288 Thanks
    stoplurking
    Hi Helen a

    Sorry you've been unwell, I hope your hip has got better and your cold has gone away.

    My fund now stands at £2160/£4000
    That's 54% which isn't bad but considering we'll have been going for 2 years next month I had hoped to be nearly there! Never mind, I have managed a bit of separate savings for the 'known' expenses coming up next year and hopefully my carefully thought out plans will come to fruition. Lol.

    Anyway, good luck everyone and thanks as ever, Helen, for keeping us all updated. X
    LBM Oct12 Debts at LBM £17715.93.
    Orig DFD Apr15 DFD 24/12/13
    3-6monthEFC#9 £2160/4000 54%
    NST September Scrimper #18 SFD8/18
    • fruitloop04
    • By fruitloop04 30th Aug 17, 9:00 AM
    • 111 Posts
    • 223 Thanks
    fruitloop04
    Morning Helen! I hope you are feeling better in yourself and that pesky hip is behaving! Thank you for the welcome - I am aiming to put £250 a month in to emergency savings - set it up as a direct debit to come out a couple days after I get paid so I know how much I have left to save. Going on holiday next week for 2 weeks so might need to dip in but I am hoping not!
    16.08.2017 CC 1 - £2050 £1861.07 CC 2 - £1766.82 £1500 Emergency savings: £750/£6000
    Mortgage - April 2017 £153,000 £150,492
    September NSDs 4/10. Debt free by xmas: 455.75/1500
    BYOLTW: 4/10
    • carbootcrazy
    • By carbootcrazy 30th Aug 17, 10:08 AM
    • 4,072 Posts
    • 22,838 Thanks
    carbootcrazy
    So sorry to hear your health is causing you problems, Helen. You are always so cheerful and positive in rallying and motivating the rest of us, I wish we could do the same for you


    Big hugs coming your way, and to anyone else who needs them at the moment.
    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 2nd Sep 17, 9:33 PM
    • 3,376 Posts
    • 16,897 Thanks
    x_raphael_xx
    It's been a while, but I've finally tucked another £50 into my savings.
    We've finally exchanged on the house, so have a better idea of where our money is going. I'm hoping to throw a bit more at my fund this month.

    Total £650/£5050
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • abundant1972
    • By abundant1972 3rd Sep 17, 6:15 PM
    • 1,177 Posts
    • 8,597 Thanks
    abundant1972
    Happy belated September everyone...

    It feels like I lifetime since I posted here. I think my whole life has been turned upside down in the meantime. I have had a friend die, one become critically ill - who has thankfully recovered, births, a wedding, and to add to that - my father became unwell and has been hospitalised, and he was main carer for my mum who has dementia.

    The long and short of it is I have resigned from my existing job and am moving from my serene and settled life in Somerset to the unknown! I have a new job in Manchester (less hours though) in a place I am totally unfamiliar with... nowhere definite to live as of yet, and my life is in boxes!!! It will be lovely to be near my family again, and to get a social life (it has been redundant living in Somerset) - I just have to get through this period of change.

    So, I am still paying into my EF this month - however, I may need to use some of it toward a) relocation costs, and b) storage, and c) a deposit on a new rental place. I guess that's why we have EFs - for when life throws us an unexpected side ball. I'll update any changes I make.

    Amount added = £250
    3-6 Month EF = £1250/£4500


    How is everyone else? Keep up the good work with building your EFs. It is well worth it. Have a fantastic September 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
    • peedie
    • By peedie 3rd Sep 17, 8:08 PM
    • 127 Posts
    • 1,708 Thanks
    peedie
    Hello
    Can I join you please.
    I've realised yesterday that my endowment mortgage is going to mature in April next year the prediction is that its not going to cover the original amount
    Though I have known this for some time and have been able to save some pennies, the information I have been sent thus far only gives predictions, any where between 3 and 10 thousand...
    Not knowing how much I will be short has left me feeling anxious and today its got me thinking about how to squirrel more into the savings pot/emergency fund
    I have been working on tackling my credit card debts and have with the words of wisdom and encouragement from the folks here on these forums have managed to pay off over half of it. But I need to transfer my attention to having to build up and emergency fund to put to the mortgage short fall and put most of my energy into building up a fund just in case.

    I transferred the balance of the credit card to a 0% interest one today. I will of course keep paying this off but not at the same rate as I have then when April comes hopefully I if there is any left over I can put it to the credit card and have an emergency fund

    I would like to have an emergency fund of £6000
    • Dobbibill
    • By Dobbibill 3rd Sep 17, 9:10 PM
    • 2,282 Posts
    • 3,411 Thanks
    Dobbibill
    Welcome peedie - of course you can join.

    When Helen pops in she will give you a number and add you to the first page. Keep us updated with all the ups and downs, the challenges and the successes.

    Abundant - sorry to hear of the tough time you've been having.
    All the very best for your new adventure in Manchester.

    Helen - I hope your health issues get better soon. They do put you through the mill don't they. Wishing you a speedy recovery.

    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.
    • skye blue
    • By skye blue 5th Sep 17, 6:51 PM
    • 95 Posts
    • 423 Thanks
    skye blue
    hi guys

    hope things are improving for your health helen

    nothing added to my fund just a rant today

    called in my bank a couple of weeks ago to ask about putting some of my savings into a 1 year bond 1.45% which is a lot better than my measly rate im getting now

    so got a cheque in my little hands and went to the bank to open it - guess what its now going down to 1.12% from wednesday and they cant fit me in for an appointment until thursday!

    so now its sat in my current account whilst i think what to do, and the cheque won't clear for 4-6 working days

    ive really got into this savings lark this year with helen and everyones support and ive managed more than ive ever had but it feels such a let down - so what do i do now?

    bit cheesed off, premium bonds maybe at least i can get it back if needed and might win a fortune eh
    • x_raphael_xx
    • By x_raphael_xx 6th Sep 17, 8:40 PM
    • 3,376 Posts
    • 16,897 Thanks
    x_raphael_xx
    hi guys
    hope things are improving for your health helen
    nothing added to my fund just a rant today
    called in my bank a couple of weeks ago to ask about putting some of my savings into a 1 year bond 1.45% which is a lot better than my measly rate im getting now
    so got a cheque in my little hands and went to the bank to open it - guess what its now going down to 1.12% from wednesday and they cant fit me in for an appointment until thursday!

    so now its sat in my current account whilst i think what to do, and the cheque won't clear for 4-6 working days

    ive really got into this savings lark this year with helen and everyones support and ive managed more than ive ever had but it feels such a let down - so what do i do now?

    bit cheesed off, premium bonds maybe at least i can get it back if needed and might win a fortune eh
    Originally posted by skye blue
    I only have £100 in premium bonds, not won anything yet. My friend has had PBs since she was a child and has had a few spirodic wins.

    At the moment my EF is in a 0.5% ISA, I guess any free money is a bonus
    Debt Free as of 17/01/2009 Turtle Power!!
    - NSD's - /20
    EF Challenger #36 £800/£5050
    / Lose weight 20 / 30lbs
    • Dobbibill
    • By Dobbibill 6th Sep 17, 10:20 PM
    • 2,282 Posts
    • 3,411 Thanks
    Dobbibill
    a TSB plus current account will give you 3% - you need to meet the criteria by logging in/paperless and rotate money in once month.

    Worth it for 5 mins work/once a month IMHO
    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.
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  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion! https://t.co/UGvWlMURxy

  • Luciana is on the advisory board of @mmhpi (we have MPs from most parties) https://t.co/n99NAxGAAQ

  • Follow Martin