3-6 Month Emergency Fund Challenge!!

DreamerHelen

Morning Everyone....


Rosylee ...... Welcome to the Gang....It's good to have you here....I've added you to the First Page....Do come back and let us know how you're getting on....


DuranGirl .... I'm glad you have everything sorted with the Car, sounds like you have it all planned....And yes, I'm feeling a whole lot better thanks hun....


mothernerd ..... Sounds like things are tight for you, I can totally understand that and it's difficult when people don't understand that....Hope you are well this morning....


Moonbean - Welcome to you as well!! I have put you on the First Page, please do come back and let us know how you are getting on....


ani*fan - Thanks for the Update, you're doing brilliantly....keep it going!!


rylee12 - Thanks for letting me know what your Target is....Keep going, you WILL get there....


carbootcrazy hun ..... I'm feeling a bit better this morning thanks....yesterday was rough....Hope you are doing well hun...


So this morning I'm feeling a bit better....The Weekend was really quite rough, but I'm hoping this cold is on it's way out now....It's the second one in the space of about 5 weeks so I'm hoping that's it for this Year!!


Nothing to Report money-wise (although watch this space tonight!! )....but let's ALL aim for the Stars this Week and see what we can do!! xXx

[Deleted User]

DreamerHelen wrote: »

So this morning I'm feeling a bit better....The Weekend was really quite rough, but I'm hoping this cold is on it's way out now....It's the second one in the space of about 5 weeks so I'm hoping that's it for this Year!!

Good news that you're feeling a bit better today:T. Even when you're ill you're still encouraging us and cheering us up. You're a star:A

[Deleted User]

DreamerHelen wrote: »

....but let's ALL aim for the Stars this Week and see what we can do!! xXx

Exactly:T. 'To Infinity and Beyond' :beer:

Southern-Girl

I've really enjoyed reading this thread since I've joined.

I haven't sorted any savings yet!
I have a week off between Christmas and New Year and as all the Christmas shopping will have been done I shall gather up any savings I have and make a concerted effort to start adding to my fund.
I have also booked a holiday so need to save £500 spending for that in June.

I think I'll be 'spreadsheeting' over the holiday period.

Well done :Tto all those that have started.

Westbeef

After Xmas I'm going to start this with moving into a new house I'll need it! I'll aim for £5k .

Keeping_Motivated

Hi

Just updating that I have now opened a V!rgin ISA so I can start my EF.

I am terrible at perfection paralysis so I have spent a few days reading about the saving accounts and which one is 'perfect' for me and then switching off the computer without seeing through actually opening an account as I couldn't decide as it had to be THE 'right' one...yawn..I annoy myself...

So this morning I have logged on and opened a V!rgin ISA as that is 'good enough' at this stage..I haven't even started saving for gods sake so of course it is good enough and I can review 'better' (read perfect) accounts when there is actually enough money in there to gain interest!!

So I have transferred £10 to start the account off.
(I have just used bold to help with the updating)
Thanks

Keeping_Motivated

Just to add the above.. My next decision is to decide how I am going to save. As in a monthly set amount/allocation or if to drip feed the account when I have 'spare' money or when I don't spend something ie I avoid the unnecessary expensive coffee or other treat etc.

I'll give it some thought..

[Deleted User]

Keeping_Motivated wrote: »

Hi

Just updating that I have now opened a V!rgin ISA so I can start my EF.

I am terrible at perfection paralysis so I have spent a few days reading about the saving accounts and which one is 'perfect' for me and then switching off the computer without seeing through actually opening an account as I couldn't decide as it had to be THE 'right' one...yawn..I annoy myself...

Keeping Motivated, I was overjoyed to find a kindred spirit:j, but very sad for the pair of us being afflicted with Perfection Paralysis:(. I had never heard the term before but I know exactly what it means! And I've been plagued by it all my life:o. People seem to think I'm reasonably laid-back about life but under the surface I'm over-thinking like mad. Good enough won't do, everything has to be right, with the result that many major decisions remain unmade and I never get plans off the ground:o. I'm getting a bit better at it through necessity but I've still a long way to go.

I've been faffing about for months over best accounts and ways of organising any potential savings. I don't know why I'm bothering, it's not as if I've much to save:o so interest rates will barely feature. The problem of how to save (as in your next post) is harder to solve for me as getting hold of anything spare is a real headache.

lexbubbles

After some nice fleaBay sales etc my fund now stands at a lovely £61.09

Only £3,688.91 to go :rotfl:

DuranGirl

carbootcrazy wrote: »

Keeping Motivated, I was overjoyed to find a kindred spirit:j, but very sad for the pair of us being afflicted with Perfection Paralysis:(. I had never heard the term before but I know exactly what it means! And I've been plagued by it all my life:o. People seem to think I'm reasonably laid-back about life but under the surface I'm over-thinking like mad. Good enough won't do, everything has to be right, with the result that many major decisions remain unmade and I never get plans off the ground:o. I'm getting a bit better at it through necessity but I've still a long way to go.

I've been faffing about for months over best accounts and ways of organising any potential savings. I don't know why I'm bothering, it's not as if I've much to save:o so interest rates will barely feature. The problem of how to save (as in your next post) is harder to solve for me as getting hold of anything spare is a real headache.

Funny you should say that....
I made the decision several months ago that I was going to do a standing order for £300 from my current account to my EF on the first of the month. The amount was based on nothing other than there had clearly been a blip one month when I had that much left, and it was very uncharacteristic of me to be so decisive. :rotfl:I now work on the basis that if it goes out before I spend it, it's the same as paying any other bill. Sometimes it's been a bit close to the wire by the end of the month (this one being a case in point), but mentally it's gone out of the account so I can't touch it. Of course I can, but it's a lot less accessible in the other account.