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Goals, hopes and dreams
I have £2750 saved in a regular saver that matures in June. Also month to month about £600 on one credit card and £800 on another credit card that I'm paying off at £100 a month. I'll stick all this in a signature some other time. I have a job which I will hopefully pass probation on in April. My goals are to put the…
Health and savings journey
I'm a 40 year old male. I hope to add another £30k to my investments through the rest of 2025. This will come from regular monthly saving. I also aim to improve my health by changing eating habits, exercising regularly and reducing body fat over the year. I'm currently weighing approximately 77kg and approximately 21% body…
Invest or save
Good morning all I am investing money on a regular basis although it is a small amount. Here is my position. I have £50,000 premium bonds. I have £20,000 in cash ISS for this years allowance. I have about another £10,000 in chip cash prize account. I have also been investing £250 in a stocks and shares run by CHIP. I plan…
A place to hold myself accountable
Up until 4 years ago I wasn’t able to save anything and all my money went on my DD, bills and who knows what else. Then lockdown happened and I stopped spending money on anything. My DD stopped her extra curricular activities which was a massive amount to add to the pot. Fast forward to today, I’m mortgage free since 2022…
Making a budget (and sticking to it!)
Hello fellow savers! I think this is the best board to post my new diary now that we are mortgage-free. Having paid off the mortgage about a year ago, we thought we were saving towards early retirement for DH (he is 6 years older than me) but life threw us a curve ball and he has had to take a new job for the sake of his…
No more debt, now what? Searching for happiness.
So here's my old debt diary Getting rid of that debt in 24 — MoneySavingExpert Forum I've paid off the debt and am working on changing my habits to make sure I don't run up any more and more importantly spent intentionally and feel in control of my money. I record all my spends and work to a zero budget. This month things…
I find it hard to spend
I have a problem and I feel its affecting my life. I find it difficult to spend money. Ive always been bought up to be a saver - count the pennies and the pounds will take care of themselves kinda thing. It's worked OK so far. Im 44. Married with 3 children (now teenagers). No mortgage. expensive car on the drive. Over…
From living in an overdraft to 30k pounds saved and invested in four years
Hi all prior to covid I was livign in my overdraft. Four years later I have saved 24k pounds. Most of it invested in the ftse global all cap index fund which is up currently 5k. The rest is in high interest savings. I have done all the bank switches and all the deals on MSE I can. Thanks a lot for everyones help here! I am…
Did I really need to buy deer food?! My 'concentrating on saving' diary
Yesterday I decided after a discussion with dh about my spending on deer food and a bin to keep it in (despite them seeming perfectly happy with the bird food and peanuts that i put down several times a day) that I'm probably not being as money-saving as I should be!! I need to make much more of an effort with my savings…
Life after debt.
Morning, I have been on the DFW board since Jan 2017 and finally became debt free in April 2021. I found I no longer fitted there a few months ago , and some things didn't sit right with me so closed my diary. Have decided this is the place for me now. Semi retired working two days a week, age 61 living alone in HA flat so…
My savings goals
"Hello! Well, a bit about me: I'm 38 and have always been very careful with my money. I earn £25,000 a year. I have a mortgage for £79,000 at 2.79% fixed until 2027. I have been saving hard for about 1.5 years, which was great with the rise of interest rates. I have saved to date £15,500. I'm hoping to get to at least…
Intentionally spending my time and money to FIRE and move to Yorkshire
17th April 2025 - another resurrection and change of direction! I've made a decision that once a couple of milestones/dates have passed, then I will move up north to Yorkshire. Will be at least five years from now. 27th May edit - after some sensible people on the pensions board reminding me not to be too restrictive now…
Arrietty's Acorns
Hello, I think we're past the 'happy new year' stage now and as we don't know each other yet I'll just dive right in, say 'hello' again and declare that I NEED to be on this board. I've been dipping in and out of here for a while now and debating with myself as to whether I should start my own savings diary; whether it…
Starting savings again
This year I am determined to get savings in my bank. Became debt free in 2022 and since then I have stagnated and not put the same effort into saving. I have joined the penny saving challenge and the envelope saving challenge. I am setting myself a target of £5000 this year so I need to keep a tight rein on my spending. I…
A year of saving but maybe also spending a bit too!
Hi, I've been reading the forum for about 5 years, but only starting posting today. Life has changed a lot in that time, financially. I've been a full time working single parent for years and years. Up until the end of 2020 I was receiving UC to top up my income. However a really supportive boss pushed me to aim for a…
Saving For Early Retirement
Hello, Currently have a diary on DWF board, feel this will be a better place to be as I am currently saving for early retirement! We are mortgage and debt free. Mr D has his savings, he is very good at saving, we have joint savings and I am starting to build up my saving after being in debt for most of my adult life. So I…
Saving for the next chapter....
I have only recently discovered this board and it seems like a better place for my musings than the DFW Planning for the next chapter.............. — MoneySavingExpert Forum This was my original post so I won't bore anyone with the full details but essentially I'm seeing how much I can save to allow me to retire before my…
Switching to LED systems for savings
Are there any business owners here who made the switch to LED at work? If so, how significant was the change on your electrical bill?
Time to build my future
So at the beginning of September I finally became debt free - apart from my mortgages, and my debt free diary helped me so much so I thought I’d try and keep it going in order to build some savings. In terms of savings, I am setting up an emergency fund of £1k, and I am setting up a regular saver to overpay mortgage when I…
Saving for a firey future
Hi everyone, I was a regular on this forum many years ago and the tips and support helped me clear lots of debt including a 2k overdraft and plenty of credit card debit. I ran up most of that buying my ex out of our property. Got a lodger, sold everything got a second job and then met my now husband. He was super…

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MSE News

Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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