The "Save 12k in 2015' Thread!

wishus

Well, kitty had her op, and it came in at slightly below the quote, so that's a mere dent of £398.

I shall still be able to save something this month, and grocery spend looks like it will come in under budget too, so cross fingers!

Just had notification that I will get a bonus of £250. Not sure what that will be after tax, but it should be useful.

I'm currently 'borrowing' from my second income to keep out of my overdraft and avoid huge charges on the account. I'd like to reduce the monthly 'borrowing' so my main account is swimming by itself, then I can switch the account to one which earns me more interest and bonuses. That extra money will help.
I've also got a £60 gift card I can use for emergencies, maybe to help with the shopping budget, or gift buying (family wedding coming up).

This is exciting... trouble is you have to wait to see the results. I haven't even finished accumulating debt yet, as we are halfway through a transfer of equity/mortgage pay-off deal to buy a friend out of the house, but I am so happy to know we will be managing this well.

ViktorOnopko

Pay day on Friday so today the first £500 has gone across to my savings account! Will see how much additional I can save and hope to make another deposit before next payday!

AlexLK

May I update to £470.

Merrylegs1

Evening,

I've paid £250 into my ISA today, i'm hoping for a little more but will have to wait a couple of days. January is just sooo long! It feels good to finally get going.

Merry

wishus

Future saving coming up... my mobile phone has decided to start breaking. Very common problems for a Samsung Galaxy 3 of its age... and happily it's all paid for, so I can get a phone upgrade for much cheapness.

Having read the mobile phone-buying advice page, I realized I have been a bit of a sucker and over-paying for my mobile phone for ages. If I could, I would have got that superb sim-only deal from Virgin, but I didn't want to go down the route of hunting a second-hand phone, so I've gone back to my previous provider and got a new HTC 610, with all the same package except twice the data allowance - for pretty much half the price of what I'm paying now.

So, from March, I will be saving £23 per month :money:
Need to look after this one, so it is still working to handle going down to a sim only contract in a couple of years

Wentthedaywell?

Ooh, it's been a long ol' month, financially and work-wise; Christmas seems ages ago!

£1000 for January, thanks to having a council tax-free month.

slowlyfading

Spreadsheet and front page updated

TheTracker

Wentthedaywell? wrote: »

Ooh, it's been a long ol' month, financially and work-wise; Christmas seems ages ago!

£1000 for January, thanks to having a council tax-free month.

I'm always surprised to learn some people continue to pay their council tax over 10 rather than 12 months. Perhaps people do it as a proxy saving method for the last month of the year.

Twiggy_34

TheTracker wrote: »

I'm always surprised to learn some people continue to pay their council tax over 10 rather than 12 months. Perhaps people do it as a proxy saving method for the last month of the year.

We're not given any choice about it, the payment dates supplied by the council are set out over 10 months. It's the same for our water rates as well.

dark.knight_3

A bit late to the party due to only being paid today for the first time this year.

#50 dark.knight

January total 1086.79