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The "Save 12k in 2021" Thread!
Comments
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Thank you for all your hard work slowlyfading! could I be put down for 12k this year?Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £224,460.73
Start student loan 2012: £29,750; current student loan: CLEARED July 2025
Unread owned books Jan 2026: 256
Undone crafts 2026: +12 -
Please can I be number 30 again?
I will aim for a sensible £4,000.Debt Free: 01/01/2020
Mortgage: 11/09/20242 -
Hi SF, can you add me for next year. £5k target again.
Many thanks for doing this.#18 in Save £12K in 2018 Saved £4020#53 in Save £6K in 2019 Saved £4180#7 in Save £5K in 2020 Saved £4957#36 in save £5K in 2021 Saved £8127#8 in Save £5K in 2022#9 in Save £5K in 20232 -
Gem-gem said:Good evening Slowly Fading,
I would like to join the challenge again for 2021. Target £12,000 but hoping to smash it again. I'm saving for FIRE.(Financial Independence Retire Early).SF - I just read this years thread and realise that you will have already put me down for next year as I said I wanted to join again when I gave my December update. 🤪
I'm also aiming for FIRE - a long way off though! And no worries; you're in
Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
4 -
Basically - it's up to you! I only count the money I transfer to my investments and/or emergency fund and that's it. But everyone has their own way of doing things - whatever works for yougreent said:Hi sf - I'd like to join this year, please
We have several savings things going on but some will have withdrawals this year due to some work being done on the house. Do I report my.monthly figure as the net increase in savings in our accounts for the month? - otherwise if I did gross but then took out 20k for the building works it would be a bit skewed? And are SIPP contributions included?
I'm probably overcomplicating this for myself
...... Will set target when I figure out of I'm doing net/ gross figures
x
Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
2 -
The spreadsheet is updated - please make a note of your challenge number for 2021! We're already up to 36 members

Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
4 -
Xenon
£12,0003 -
That time already! Thanks for getting this going again @slowlyfading - Please sign me up for another 12k for 2021
Save £12k in 2023 #51 - £20,411.96 / £15k (136.08%)
Save £12k in 2024 #24 - £19,331.23 / £20k (96.66%)
Save £12k in 2025 #53 - £27,209.40 / £20k (136.05%)
I built a new salary tool to help explain deductions and visualise tax brackets. Try it here: salarytools.co.uk2 -
Hi, slowlyfading,
I love this thread, please put me down for £12k this year. I might have to revise it down later but I'll give it a go.
MC2 -
Hi SF,
Third year and would love to get to a combined savings (from 2018 & 2019) of 10k this year. Im currently #51 can I keep the same number? My target is £6000.
Thank you for the work you put into this thread. I really enjoy being part of it and its helping me to also get to FIRE although I have a long way to go. Still renting which I hate! It will happen at somepoint I am sure.2026 financial goals & challenges!
1). Mortgage (started Jan 2024) £92,539.40 / £122,400.00 Overpayment total: £1,792.51 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 36%
2). #47 Save 1p a day challenge 2026 £450 / £780
3). £2,873.45/ £3000.00 - Investment ISA
4). CC debt - £22,175.47. Aiming for £19,999.99 31/12/2026.
5). £290.05 / £1000.00 - EF
6). Lose weight, get fitter and read 12 books in 12 months in 2026. 5 out 12 COMPLETED2
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