The Happiness Fund.

edited 18 July 2020 at 5:15PM in How much have you saved?
3.9K replies 306.7K views
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  • Skint_yet_AgainSkint_yet_Again Forumite
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    Hope you are feeling better now SW are you back at work? Good idea to move work stuff out of the bedroom otherwise you will be thinking about it when trying to sleep. Well done on the weight loss you have done really well 🤗
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
    Aiming to retire early in 2025 🥳
  • savingwannabesavingwannabe Forumite
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    Hello my lovely, I have been back for two days. I am still achey round the kidneys but feeling better daily. Ps the weightloss improved after i was ill as i didnt eat for 4 days lol. 

    One  day till the weekend. Hurrah! 
    Try to have a minimal spend year in 2021
    Saving change in money box.
  • MovingForwardsMovingForwards Forumite
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    Almost touching the weekend now, close your eyes and feel it getting closer!
  • edited 25 September at 7:00PM
    savingwannabesavingwannabe Forumite
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    edited 25 September at 7:00PM
    V appropriate a good friend came to visit yesterday night and this morning after breakfast I had such a good sleep and just woke up. I am starting to get over the illness now and feeling much better. My salary has gone up by 187 a month once i paid for one bus pass. I am going to try to save all of this rise and put it to mortgage and retirement funds

    I will owe £181 now on my credit card as i ended up buying two monthly bus passes this month. Yikes. 

    Much lesson prep to do but i will watch tv too. I am watching catch ups of Chelsea Flower Show.
    Try to have a minimal spend year in 2021
    Saving change in money box.
  • riotladyriotlady Forumite
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    Sorry to hear you’ve been ill SW, glad you’re on the mend now! 
  • MovingForwardsMovingForwards Forumite
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    It's a rise which will make a difference and help towards a more comfortable now and future. If you're genuinely managing on your previous income, it makes a lot of sense to save it.

    I'm pleased you're beginning to feel better.
  • savingwannabesavingwannabe Forumite
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    I am aiming to save the extra but will make sure i pay all my bills first. I will see after a few months if can save extra? I worked all weekend and am so chuffed and done loads! 
    Try to have a minimal spend year in 2021
    Saving change in money box.
  • Skint_yet_AgainSkint_yet_Again Forumite
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    Well done on the extra work to catch up, but don’t overdo it as you are just starting to recover. 

    You will be able to save more once things are sorted and bills are paid 🤗
    0% credit card £1360 ~ paid in full
    0% Car Loan £7500 ~ paid in full
    JAN 2020 = NOW DEBT FREE
    Emergency fund £1000 / £1000
    Aiming to retire early in 2025 🥳
  • MovingForwardsMovingForwards Forumite
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    10,000 Posts Third Anniversary Name Dropper Photogenic
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    Everything will fall into place. Consider giving yourself the extra money until the new year, get totally on your feet and then you'll know how much is realistic to save.
  • savingwannabesavingwannabe Forumite
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    Thank you ladies you are both correct, I cannot wait to pay off my credit card. One day left till payday!

     From September's pay packet (which has gone up by £268). I am only saving £100 extra  (as well as the usual OP Of £250 for the house), and I am paying my October credit card bill of £100.  I am keeping aside £81 towards November's credit card bill and putting £70 into my Christmas Fund (which is currently non existent). All being well by December my Christmas Fund will look more substantial. Then i will more of my pay rise if that is possible. 
    Try to have a minimal spend year in 2021
    Saving change in money box.
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