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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…
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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…
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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…
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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…
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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…
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My very ambitious way to get £60k in 48 months…
Investment strategy for 23/24 Majority of this plan to gain at least another 60k in savings is self managed. I need help to see what the best way moving forward to gain my goal. Mg appetite to risk is huge, a guy who works in financing does not want me as a client as - what he is doing I’m doing already. - his fees…
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From £6000 ----> £9000 in 2023.
EDIT May 2023 - I have reached my £6000 goal and this is being tucked away in a high interest easy access CHIP account. I am re-jigging my goal to fill my sink funds now including a possible amazing dream. Onwards to £9000. EDIT January 2023 - my original goal was £2600, then £6000 in 2022. I managed this and propped…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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Is 2023 my year?
Will 2023 be the year that I get on the property ladder? 🤔 Currently sat at about £18K, £10K of which is his and the rest mine. The increased cost of living is biting a little in that I’m not saving as much as I should but I am sticking something away each month at least. Another rent increase in January isn’t going to…
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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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Nearly 60 - where did that time go?
https://forums.moneysavingexpert.com/discussion/6176755/need-to-organise-budgeting-and-saving-more-effectively This is the thread that I originally posted in the Budgeting thread and Moving Forwards made the excellent suggestion that I popped along here. My updated savings are below, but next payday is 28th of the month,…
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30yo savings
I’m 30, run my own business, I’m constantly worrying about money! Even more so now as I’ve just purchased a new car which I need for work and my personal life. My entire savings are 16k (after buying the car) and I also have assets in a classic car and motorbike adding to around 20k. Am I doing ok or should I really have…
