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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…
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Atrixa's Saving Diaries
Hello everyone! I'm 26 years old and currently renting a 1 bed flat in the North East of England. Due to not having a great income, I always thought I'd be renting forever but luckily, the North East has some of the most affordable (If you can call anything over £50k "affordable") properties in the country that aren't…
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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?
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I can see the light at the end of the tunnel, now my saving journey begins!
I am nearing the end of my debt free journey with just 48 days to go before I reach financial freedom! Its been a long time coming and I have hit many bumps on the road to get here. As I am close to paying off the last part of my debt I have been thinking about what to do and how I can get there in terms of my goals when I…
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How much have you saved???
Just a quick comment about this section of the forum. I visit here from time to time interested in how people save, sometimes from lower incomes. However, people rarely seem to talk abut figures, amounts saved and how they achieve them. Maybe I am missing the point of this part of the forum. Many of the posters write…
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Cosy blanket
I just wanted to introduce myself and tell you a bit about my thoughts and goals. I normally spend time on the MFW bored and have been putting money towards overpayments on my mortgage but I have in the last few weeks come to the realisation that before I continue I need to ensure we have a nice cosy security blanket and a…
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Living life on my terms..
Over recent years I've come to realise that I need to start living life on my own terms and to stop trying to meet other peoples/societies expectations. For a while, I was constantly putting myself under unnecessary pressure in many areas of my life, thus creating extra additional stress that then started to affect my own…
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Magazine subscriptions
My first post, sorry if I don't know the conventions. If you took advantage of a very attractive introductory magazine postal sub (70% or more off) and were annoyed to be kicked off the reduced run-on price, when far better offers were still being offered to new subscribers, you could try this. Let the sub lapse, buy the…
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2023 Challenge!
Hello savers! As a forum ambassador for this board I thought it would be a good idea to have ourselves a little saving challenge. Everyone here is so supportive and encouraging and I’d like to keep that going with a little added competitiveness 😀 there won’t be a physical prize as such but there will be a monthly…
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Get a grip !
.....25/11/2018 ...... I have decided to update as its been ages since I started this thread and so much has changed including my priorities..... We gained a puppy after starting this thread and although she is a handful she has given me something to focus on and to get up for each day. DS split from one long-term gf and…
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Many may not see this RAC cover part of car insurance...
My renewal was due with LV. I haggled that RAC were nearly £100 cheaper. They would not budge much. When I went to RAC I noticed they let you add RAC recovery really cheaply (even free sometimes) then I realized that I pay £13.00 a month for my RAC cover already. By joining RAC Insurance I saved around £80 for the policy.…
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18 months later - help!
I am in such a pickle of entirely my own doing. Myself & my boyfriend moved in with his parents at the start of the pandemic - one so we could all be together throughout the craziness but two so we could save for our first house. 18 months later and we’ve foolishly saved then spent, saved then spent. We had an idea that…
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ADT discount
I have just received notice that ADT want to put up my monthly fee from £31.47 to £36.66 (or £377.64 to £439.92 p.a.). I called to say I wasn’t happy with that and that another firm is offering a similar service at £26 a month (£312 p.a.) and was happy to cancel my contract. Got put through to customer retentions and they…
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PinknSparkly's Mortgage Wannabe savings dairy
So this is a savings diary with the intention of getting my husband and I into debt (i.e. a mortgage) as soon as possible :) I am currently finishing up a PhD and as such we won't be in a position to apply for a mortgage until I have been employed for at least 6 months. In addition, I am now at the fun stage of my PhD…
