3-6 Month Emergency Fund Challenge!!

DreamerHelen

Hey Everyone....

I'm so sorry yet again....Things have gone from bad to worse and then really good and then really bad....It seems like last year was the year for taking care of my Family and this Year it seems just to be a mixture of ill-health for me and trying to build up a Private Practice that will sustain me for the future....I'll get there!!

So the bad is that I've been ill AGAIN!! This Weekend a Virus somehow got hold of me and I was throwing up for most of the day on Sunday (not a day I want to repeat anytime soon!!) and it's now Tuesday and although I'm feeling MUCH better I'm not 100% and still feeling a bit light-headed and nauseous at times but I'll get there...

On the plus side....I've been offered some Therapy Work that is both lucrative and also doing exactly what I want to do which is helping those that have gone through trauma...so it's right up my street and I'm so excited by it!! On the downside it starts tonight and I'm not feeling my best...but I'm damn well going to go and I know I will enjoy it so I'm excited about that...

Nothing to report money-wise but hopefully after this work is finished (It's definite for 2 weeks and may continue after that)...then I can add something to the Pot and get started again....

I'll add my individual thanks to everyone below but thank you to ALL of you for keeping this Thread going in my absence and I will really make a concentrated effort to come back more often and to get started with my own Savings...You're all amazing and an inspiration to me xXx

Here's to the Updates....

crazy_cat_lady - I've Updated the First Page with your Total...You're doing AMAZING!! Keep on going...it's lovely to have you back..you're Welcome here ANYTIME!! xXx

Dragon Lily - I've Updated the First Page with your Total...You're doing AWESOME!! I know you can do this!! And thank you so much for your lovely words... xXx

stoplurking - I've Updated the First Page with your Total...You're doing INCREDIBLE!! Do keep on moving forwards....You're more than welcome and thank you for your wonderful words... xXx

fruitloop04 - It sounds like you have a firm plan in place which is always a good thing....Where are you off on Holiday? Somewhere nice and warm I hope. And thank you to you too for your amazing words xXx

carbootcrazy - I've Updated the First Page with your Total...You're doing BRILLIANTLY!! You CAN do this!! You're welcome always and thank you for your wonderful words, much appreciated xXx

x_raphael_xx - I've Updated the First Page with your Total...You're doing GREAT!! Keep going....and Congratulations on exchanging on your home...that's great news and enjoy your lovely new home xXx

abundant1972 - I've Update the First Page with your Total...You're doing INCREDIBLE!! You know you can do it and so do I!! It sounds like you have had so much going on, I wish you all the best with your move to Manchester...people are so friendly up North, you'll do just fine hun... xXx

peedie - WELCOME WELCOME WELCOME to our Group..It's lovely to have you here....I've Added you to the Members List and put your Target down...Please do come and let us know how you get on....We are very supportive and friendly and we love to celebrate when someone does well and try to help when things aren't going so well....you'll always be welcome here...I look forward to hearing how things are going for you xXx

Dobbibill - Thank you so much hun for your continued support and for always helping to keep this Thread going....I hope you are well... xXx

skye blue - Did you figure out what to do about your savings? I'm afraid I'm not much help as I do a lot of my Savings in Pots at home....otherwise I get too tempted to dip into my Accounts....Thank you for your lovely words... xXx

HoneyBee83

Good morning!
I have been lacking on the Forum side of things. Had a promotion recently and DD started High school so life has been crazy this past month or so.
But on the plus side I have been able to squirrel a nice little sum in my EF :j
I am now £800/£1000 :T:T I completely intend to hit my target by Christmas at the latest!

skye_blue

Hi guys

Sending you good wishes helen

i didn't put my £1000 in an account to make £13 a year so i bought premium bonds, you never know eh plus i can get my money back with a few days so still counting as emergency fund

ive paid extra £500 off my mortgage (paid £440 and waiting a week or so before sending the rest) i sent it too early in the month last month and struggled towards the end of the month so trying to space it out now.

bank account balance stands at £170 now & my £1,000 bonds - £1,170 emergency fund
down slightly but then my mortgage has gone a bit lower too, ive got the feeling that interest rates are going to change soon so every little helps

keep going everyone, think its really great how we all keep each other going through ups and down

and helen we're all hoping lots of ups are heading you way x

DreamerHelen

Hey Everyone

Well this Week has been really great (once I started to feel better that is!!)....I started my new Therapy Work, it's been quiet but feels really fulfilling and amazing to think that I can now pay for some things that need paying for and (hopefully) begin to save more than I have in recent months...I'm hoping it will carry on for the next few weeks but hopefully that will be confirmed after tomorrow....

So I'm 5 and a half hours into my Shift and finishing at 3am....It's going to be a loooooooong morning tomorrow as I will get home around 3.45am and then get a couple of hours sleep and then wake up, get ready and go and see three Clients...but I CAN sleep in the afternoon so I may take the opportunity to do that...

Feeling more positive than I have in a while...let's hope it continues!! xXx

Here's to the Updates...

HoneyBee83 - I have Updated the First Page...You're doing AWESOME!! Please don't worry if you can't always pop in and Update...I can't always do that either...You're always welcome whenever you can pop in....and Congratulations on the new Promotion...I hope it goes really great for you!! xXx

skye blue - You are so lovely to wish me well....I hope that this Week is the first of many many "ups" for the future.... I'm a bit confused as to whether you want me to Update anything on the First Page...Can you let me know please hun? xXx

Keep Going Everyone...We CAN do this!! xXx

Savvy_sewing

Missing in action because I am finding it very hard to save and am even using my overdraft. My income dropped , my tax credits dropped, my guardianship funds dropped, and my housing benefit/council tax also dropped so my rent and tax went up. With all the demands on my finances because of my son's dreadful ones, and Biggests wedding I am in a financial mess for the first time in 10 years.
I can't get to grips with my budget, and still over spend too often.
I am my own worst enemy for caving in and giving money to the family and leaving my self without.
But I have managed to get £100.36 p into the emergency fund. Just. Not sure when I will be able to syphone any more off though.

skye_blue

hi helen and fellow savers

please amend my total £200 (whoops)

ive had a spendy couple of weeks, i bought £750 of bonds (decided not to count these in my total although i can get the cash back if really needed) a new hoover, floor steamer, new throws and cushions, a couple of xmas presents, paid half to a fridge freezer for mum (too many fire scares going on at the moment, wasn't happy with her having an old one) plus stocked my freezer and paid a bit extra over to my mortgage

Nothing too extreme but it all added up, back to the £10 a week again

Enjoy the week everyone and keep up the

DreamerHelen

Evening All!!

I'm messaging you all from the Night Shift....I'm tired tonight and can't wait for my bed but it won't be until around 3.45am...so a while to go....still, I can't complain...

Here's to the Updates.... xXx

Mooloo - I've Updated the First Page....You're doing AMAZING....don't beat yourself up....It sounds like you have an awful lot going on....Try to be kind to yourself as best you can...you are ALWAYS welcome in here whether you have £100 or £0 in your Account...or anywhere in between....I hope things improve for you soon....Remember that Martin says there is no Debt that is unfixable...so you CAN sort this out... xXx

skye blue - I've Updated the First Page....I just want to check that I have the Total correct so can you double check on the First Page for me please hun? You're doing AWESOME! Keep on going... xXx

dfbefore30

Last month was quite spendy and I had to dip into my fund,but I've topped it back up again today and I'm soooo pleased to say that...I've DONE IT!!! £5000/£5000!!!!

skye_blue

Hi helen

Yep you've got the total correct

thanks

DreamerHelen

Evening All!!

Another Night Shift tonight until 3am.....But I'm hoping to get my second wind in the next hour or so...I usually do!!

I just wanted to say a BIG Thank You to EVERYONE who supports this Thread and for EVERYONE who has supported me...I'm not doing the best with my Money but I WILL get there one day....We ALL will!! xXx

So here's to the Updates... xXx

dfbefore30 - CONGRATULATIONS!! :j :j :money: :j :j That's is completely and utterly WONDERFUL and AWESOME and AMAZING....How does it feel? :beer: :beer: You've done BRILLIANTLY!! :T :T :T Do let me know if you want to begin another Saving Goal on this Thread...you would be more than welcome to xXx

skye blue - I'm glad I got the Total right....Hope you are doing well hun xXx