The "Save 12k in 2015' Thread!

[Deleted User]

Brilliant news about the job lalman:T:T.

BritishBibliophile

Did a TT of £4.21.

#163 New Total - £278.81

black_taxi_2

anyone else prefer a savings passbook to on-line?

lisa110rry

Not me black taxi, on-line is just so easy and quick!

A few years ago I was in a branch and the manager said, given my job (at the time I was travelling to Africa a lot), I really should use on -line banking. I did and I'm hooked!

I can easily export a .csv file compatible with Excel and in a flash I know how much I've saved for any period of time, not to mention checking things like direct debits and standing orders and where my money is going.

I reckon on line is a huge boon!:T

pollyanna24

I'm still here, but won't be posting my February total until 1st March. If I stick to all my budgets (I have £113.41 for the rest of the month - this includes groceries and just general stuff for me and my girlies), then I should have £871.56 although I might try and make it so there is a round number in savings. I shall see!

black_taxi_2

lisa I use on-line banking,its just savings account I use passbook

pollyanna24

Just looking at the spreadsheet that we have all saved.

What are all the different colours for in the % overpaid? Also why are the columns called overpaid? I haven't ovrepaid. This is what I have saved.

Of course, this doesn't affect me in any way. I'm just being nosey.

black_taxi_2

I think polly--the total amount is divided by 12 months


so if you over pay its yellow


red just means you haven't over paid


I think once target is reached your green


why its in over paid column--your guess is as good as mine

enthusiasticsaver

Great news about the new job Lalman and glad you weren't unemployed for long.


I have so far only saved £500 in February which is my usual monthly payment into my investment fund but will hopefully pay in a further £500 by the end of the month once we have got paid and I know how much overtime my husband has earned.


How does everyone else cope with erratic salaries? My salary is the same every month - no overtime ever available and my tax, pension and national insurance is the same. My husbands salary can fluctuate by more than £1000 every month due to overtime and he has just received a new company car so that will affect his tax liability but who knows when the new tax code will be implemented. He has just received 2 new tax codes, 1 for this year and one for the new tax year and as he got the car in December but has not yet paid any car benefit tax on it there apparently is a £700 approx. underpayment of tax this year so my savings figure may need to adjust sadly. As he is a 40% tax payer it is also doubled . It is still cheaper though than us having to buy and maintain the car which is lovely but expensive and annoyingly my husband keeps moaning it is not as good as his former car which was leased and cheaper.

letThemPlay

Had a nice surprise today; got £50 from my recent switch to Nationwide which I wasn't expecting until next month (going by their T&D's)

So my total for Feb is going to be nearer to £470 ; will confirm final figure next week.