3-6 Month Emergency Fund Challenge!!

The_Only_Girl

Good morning everyone! Don't worry about the update for now dreamer Helen. Do have a nice day! I hope it's not going to be too exhausting for you.

I am having a mega lie in this morning. My shift last night was a very "toxic" one. It was non-stop from 3-11pm. My feet were about to detonate by the time I finished, I almost crawled in to bed. Another shift tonight and I'm off the rest of the week. Then FOUR shifts left for 2015 and then on to the new job in January.

There is some buffer money (about £15) in the bank which I am tempted to transfer to the EF but as hubby is down in London on business today, I don't want to touch it yet in case he goes over his budget.

Putting money in the EF is so addictive isn't it black cat?

LittleMissDetermined

Hi all, nothing to report from me lately, I am sorry I have been AWOL, reason detailed in my diary: https://forums.moneysavingexpert.com/discussion/comment/69718218#Comment_69718218

We get paid early in December so hopefully I will be able to bolster the funds then.

LMD x

The_Only_Girl

Hugs LMD. Hoping for your mum's recovery. Don't forget to take care of yourself too.

crimson.addict

LittleMissDetermined wrote: »

Hi all, nothing to report from me lately, I am sorry I have been AWOL, reason detailed in my diary: https://forums.moneysavingexpert.com/discussion/comment/69718218#Comment_69718218

We get paid early in December so hopefully I will be able to bolster the funds then.

LMD x

I hope your mum gets better soon.

You're right about the early pay in December but then remember, Decembers payment needs to last 5 weeks until then end of January xx

lincs1205

Duran girl that's fantastic congratulations, enjoy your bubbly well deserved.

DreamerHelen

Morning Everyone I'm up bright and early again....Had a weird night with VERY weird Dreams!! LoL...But the good news is that I feel better for having slept....


Time to Update...hope I haven't missed anyone!!


The Only Girl - I'll Update the First Page in a moment....You're doing brilliantly....Hope you managed to get some Sleep in the end....


DuranGirl - Glad you had a great Weekend with OH....congratulations on the House!!


carbootcrazy - Hope you're well hun.....It's nearly Christmas!!


lexbubbles - I'll Update the First Page in a moment....Keep it going hun!!


LittleMissDetermined - Don't worry about the EF at the moment....just take good care of yourself....I'm so sorry to hear that your Mum is ill....Just take good care... xXx


crimson.addict - It's hard for those that get paid monthly....I'm lucky that I get paid Weekly at the moment.....Hope you're well hun....xXx


lincs1205 - Hope you're well too hun....Take care of yourself....

[Deleted User]

Wow DuranGirl huge congrats on getting through the rubbish the ex tried throwing at you and proving what an amazingly strong woman you are, total respect xx

I'm so tired this evening, juggling a full time job with a 2nd job is catching up with me, but on the plus side I will be able to top up the EF next Monday, just a teeny increase tonight tho, new total £1238

DreamerHelen

Morning Campers


Feeling okay this morning....my Health seems to be very up and down at the moment....think it's because I'm quite run down and exhausted....But I'm getting a little time off over Christmas so that should hopefully refresh me


[Deleted User] - I've Updated the First Page...you're doing brilliantly hun....keep it going....

crimson.addict

DreamerHelen wrote: »

crimson.addict - It's hard for those that get paid monthly....I'm lucky that I get paid Weekly at the moment.....Hope you're well hun....xXx

I have spent my whole working life as a contractor getting paid weekly until 3 months ago. Now that i'm paid monthly i divide my wages into 4 or 5 depending on the number of weeks. Then i transfer all my money to another bank account and transfer the weekly amount each week. That way it's still like being paid weekly.

What i plan to do after Christmas is anything left over from my weekly money, divide in 2 and put half into my EF and half into a more accessible account for birthdays or treats and things like that.

That's the plan for next year. I've written off my wages this year because Christmas Been so determined to buy presents that will be loved and i'm struggling to stick to a budget

DreamerHelen

Morning Everyone


crimson.addict hun.....That sounds like a good way to still feel like you're being paid Weekly.....Next Year when I (hopefully) qualify I'm planning on getting a part-time Job (plus private practice during the other part of the Week)...and that Job will hopefully be in the NHS and I imagine it will be paid Monthly so I might do the same as you....


I'm the same hun with Christmas Presents....I always want to get more and more (especially for my Mum)....but I have challenged myself this Year to only buy Presents that I know will really be appreciated and only buy one or two for people....rather than half a dozen.... I've also made Truffles for a few Friends because I knew that if I spent a lot of money on them they wouldn't like it and I knew they would like the Truffles....haven't given them out yet but I'm doing that tomorrow so I hope they like them!! Overall Christmas has only cost about £250 this Year as opposed to the £500-odd that it usually costs!! So I'm pleased with that


There probably won't be anything to Report with regards to my EF until after Christmas....but if I CAN sneak in a cheeky fiver then I will do


Hope you ALL have a WONDERFUL Day....and manage to find those Rainbows in the Storm Clouds xXx