The £1,000 emergency fund challenge.

Dobbibill

carbootcrazy wrote: »

Can anyone who's paid their car tax recently (and I know patman has) please tell me if they still send out the renewal letter in the post now tax discs have been abolished?

Yes CBC, I believe they still do send out the renewal including an option to pay for 12 months or 6 months as a one off payment or monthly by DD too.

patman99

Yep, renewal notice is still sent via post. You have options of 6 or 12 months, but online I believe you can also pay monthly.

Toomuchdebt

Mine is at 0 once again. I'm a failure

Dobbibill

Keep plodding on Toomuchdebt, if it's back to zero then it means you have used it for something, which is something you didn't put on a credit card so it's served it's purpose. That doesn't make you a failure by any means.

There's no race to this and it's not about the first past the post but to just keep plodding on with the target, with plenty of support along the way.

Dust yourself down, pick yourself up, start again and don't give up, we are all behind you. You can do it :T

Dandytf

I'm trying to balance what I have left after bills are paid monthly (all budgeted via ynab)
I know I class myself as 'could do better'
This month i've swiped 110 into instant access savings via iPhone -this is the easiest way I can save-only after all bills are paid.

I recognise there are months approx 3 or 4 times a years when its impossible to save-MOT/Road tax/Factor-these are my greatest challenges-I can't get to the stage where I can leave or build on my savings.

Forgot to mention i'm making small regular overpayments to mtg-important as fix finishes mid 2017.

What I can do either this year or early 20016 is reduce sky t.v. package-maybe 30 p/month to save from that.

Dandytf

Hi please add Dandytf to this 1000 savings challenge

1st regular saving made- reduce sky t.v from 105 to 82 per month

Dobbibill

Dandytf wrote: »

Hi please add Dandytf to this 1000 savings challenge

Hi Dandytf,

Welcome aboard the challenge.

Patman will be along shortly to give you a number. You are doing well to move money as soon as bills are paid. Don't think of this as a race though and skipping months when you have other priorities is fine, it's about getting to the goal, however long it takes. You will have plenty of support along the way. The rest of us are in the same boat so doing what we can, when we can and cheering each other along. :T

Dobbi

[Deleted User]

Dobbibill wrote: »

Keep plodding on Toomuchdebt, if it's back to zero then it means you have used it for something, which is something you didn't put on a credit card so it's served it's purpose. That doesn't make you a failure by any means.

There's no race to this and it's not about the first past the post but to just keep plodding on with the target, with plenty of support along the way.

Dust yourself down, pick yourself up, start again and don't give up, we are all behind you. You can do it :T

That's a lovely way of putting it, Dobbibill:T. I really agree with what you said.

Toomuchdebt, please don't ever feel you are a failure:). I've posted a few times on here expressing exactly the same low opinion of myself when I've had to raid my EF savings for real emergencies:o. The lovely members of this challenge have soon put me right as it's true that that's exactly what we have the EF for, to pay for the nasties that life sends our way without having to panic or having to borrow money.

Keep reading and posting on this thread as we are all here to help each other through whatever life throws at us:beer:

Welcome to Dandytf and any other who have joined us recently:beer:

lexbubbles

Made £31 at carboot today so put £30 towards my CCs and £1 in the EF

[Deleted User]

lexbubbles wrote: »

Made £31 at carboot today so put £30 towards my CCs and £1 in the EF

Well done, lexbubbles:T. I quickly read one of your posts on another thread where we both hang out so I'll reply to you there when I get my own takings totted up and sorted out. Need to get thawed out first;)