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The "Save 12k in 2021" Thread!
Comments
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Geoffers just back from a week in Lanzarote, no issues at all. Felt really safe the whole time.2
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Merlin's_Beard said:£1474.91 for October, pretty pleased with that!
Very inspiring to see a lot of you hitting your FIRE goals or well on the way there. It all feels a very long way off from my place in that journey so a reminder that we will all get there eventually with the right planning and a bit of luck.2025 financial goals & challenges!
1). Mortgage (started Jan 2024) £107,079.62 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 28%
2). #7 Save 1p a day challenge 2025 £280/£780
3). £2196.23/£3000 in Investment ISA (34/50 investments)
4). Increase cash savings & saving pots
5). Keep debt to a minimum.
Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump4 -
Hi,
#003 declaring £500 for November.
Form has been submitted.
Many thanks
Kev3 -
#38 checking in with £1,286 for November. Payday was on Friday and I always pay myself first!
Breakdown is as follows:
DD JISA - £50
DS JISA - £50
Sharesave Scheme - £156
Sharematch Scheme - £30
S&S ISA - £1,000
November total - £1,286
2021 total - £13,187.28/£12k (109.89%)
This means I've exceeded my target for the year, and still have a month to go
Easy update form updated
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 - £12,395/£20k (39%)
I built a new salary tool to help explain deductions and tax brackets. Try it here: salarytools.co.uk5 -
Number 76 reporting savings of £1144.84 in October. I'm pleased to have gone over the £1000 mark again as it's been a while!
OH and I are looking to switch some suppliers to more ethical companies/ greener tariffs - we know it will be more expensive, but we have agreed it's important to us and will take the hit. We are looking to make savings in other places to compensate (only one meaty meal a week, hot water bottles and blankets instead of the heating on, knitting our own scarves and socks, lol) so will see how we do. Proof will be in the pudding the next 2 months!Save £12k in 2022 = £3705.97/ £7,500 (49%)
Save £12k in 2021 #76 = £11,857.21/ £10,000 (118%)3 -
#77 reporting a positive figure again for October, with £1005.59 saved and form updated.1
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#32 here, good news is that I have £400 of my student loan left to pay ever!!! Bad news is that I’ve saved £200 for October.I’m not far off my target 🎯 but I’d hoped I might get to £12,000 😔.EDIT: I’ve reached my target 🎯👏🏾Form updated
MFW 2025 #32 £4,926.23/£3,000; MFW 2024 #32 £4,217.84/£3,000; MFW 2023 #32 £5,238.84/£4,000; MFW 2022 #32 £8,246.43/£8,000; MFW 2021 #32 £8,982.73/£8,000; MFW 2020 #32 £12,000/£6,000
Save £12k in 2025 #48 £11,200/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000
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£500.00 declared for September and October
Westie983I’m a Forum Ambassador and I support the Forum Team on the Banking & Borrowing, and Reduce Debt & Boost Income boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySaving Expert.Save 12k in 2023 #58 Total (£4500.00) £2500.00/£5000 = 50.00%Sealed Pot Challenge ~17 #24 Total (£55.00) £0.00/£500 = 0.00%Xmas 2023 £1 a Day #13 Total (£85.00) £344.00/£365 = 94.24%Virtual Sealed Pot #1 Total (£500) £550.00/£500 = 110.00%£2 Savers Club 2023 #17 Total (£25.00) £45/£300 = 15.00%The 365 1p Challenge 2023 #7 Total £656.19/£667.95 = 98.23%Total £4095.19/£7332.95 = 55.84%3 -
Sandyra said:#32 here, good news is that I have £400 of my student loan left to pay ever!!! Bad news is that I’ve saved £200 for October.I’m not far off my target 🎯 but I’d hoped I might get to £12,000 😔.EDIT: I’ve reached my target 🎯👏🏾Form updatedSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here3 -
Sandyra said:#32 here, good news is that I have £400 of my student loan left to pay ever!!! Bad news is that I’ve saved £200 for October.I’m not far off my target 🎯 but I’d hoped I might get to £12,000 😔.EDIT: I’ve reached my target 🎯👏🏾Form updated
I've got £149 left to pay on 1st Nov on my main student loan (still have a postgraduate loan from a more recent masters). I hate to think how much I have paid in total. I borrowed about £13k, probably paid back double that with cumulative interest because its taken me over 15 years to pay back
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