The "Save 12k in 2022" Thread!

SomersetSaverSue

EeeJay said:

Hi everyone, I hope you're all bearing up in tough times.

I'm going through a bit of upheaval, having just started a new job with different pay dates. Although the uplift in salary should be good in the long run, my really big news is that we are expecting our first baby, which is wonderful but a bit of a financial disaster as I won't qualify for maternity pay from either my old or new employer and I emptied my savings at the beginning of this year to buy our house. 

I'll need to save as much as possible before the baby comes in March, as maternity allowance won't even cover my half of the mortgage. I think I'll need to take a much reduced maternity leave, but hopefully my lovely chap can take advantage of shared parental leave. I'm sure it will all be fine after a bit of a blip, but has felt very stressful over the past few weeks!

Anyway... for September I managed to save another £1150.

Congratulations on your news EeeJay! I can imagine it is a shock but hopefully that is fading and you can look forward to March. Fingers crossed you get to spend as much time on maternity leave as you want or need to.

Merlin's_Beard

SomersetSaverSue said:

Hello all, everyone is doing so well, what an inspiration you all are when it's all so challenging.

Thanks even more than usual to SF for continuing to run this challenge, especially when it's so hard for you. Hugs to SF and anyone else who needs it.

The good news is that I have under-reported for some of the months this year, and rather than ask SF to do 9 updates, I've fudged my numbers for August and September so that the total for the year overall is correct.

Therefore,  number 56 reporting £1,438.14 and £1,780.71 - forms duly submitted.

The bad news is that going forward I am uncertain if I am able to save anything except for what I'm putting into an ISA and my works pension. I will probably need to dip into my savings although I may rob Peter to pay Paul!  As I was unexpectedly (and without warning) paid less than full pay at the end of September, most of my planned savings for October will have to be reversed.  The impact of my stroke has been worse than I thought from a cognitive perspective, which means I am on reduced hours at work as I'm not able to work full time and this may reduce further.  I possibly also had a 2nd stroke recently which probably puts my recovery back even further. Silver lining - I have some savings to dip into; it's raining!!

Further silver lining - I am able to function on a day to day basis, which is more than some, So if I have to give up my current career and do something, so it shall be.

This may give me the push (and some time) to get on with selling things I have to sell and so as yet I am sticking with the target. 

Keep going everyone!

SSS

I'm sorry to hear you're still being affected by the stroke Sue, but very glad you have previous savings to draw on - one less thing to worry about and a reward for previous hard work!

Sandyra

#32 here, a switching bonus and a few windfalls means I was able to save £583 for September and October. Form updated. Thanks for managing slowlyfading x

tommyedinburgh

#16 reporting £381.22

Boosted by £100 and £25 wins in the October premium bond draw. 

becky_rtw

No. 48 reporting for the last time this year, unless big pb wins come my way!

£2,450 saved this month which takes me to 19,594 for the year. Below target as expected and I've now left work for the year. I'm due a chunky tax rebate but will need that to live off for the next few months.

Really pleased to do so well given big birthday and upcoming move Off to do the form now.

Jellybaby

#12 reporting £1,425 for October.  Happy with this as Christmas shopping is done, only a few stocking items to go!

Off to do the form.

Gizmo70

#5 reporting in late for September. I managed to save £1,516 for this month (form updated) which means I am still on target for the year (75%). My repairs & replacements pot this time went up £1150 this month. My planned roof work has been delayed, hopefully it will happen in November but yet to get a confirmed date. Also definitely in November I'm having the first part of some landscaping work done on my back garden (the clearance part), so a big chunk will be going out of my R&R pot.

EeeJay

#35 with £3,310 for October... This is a bumper month as I switched jobs so my new pay overlapped with holiday and back pay from the old place. Nearly at the target now!

Hellesbelles

#57 £750 for October. Have completed form, thanks.

Hope everyone is ok.

ForestBluebells

#4 reporting £1506.42 for October, barely any freelance income this month and many vet bills but also put in an insurance claim so had some back, still much less claimed than I pay for my premiums. 

I did pay out a big sum to replace my heating system which is being installed next month but since my mum gave me that money and it’s not come from my savings I’m not counting that as a minus. 

Still feel like I’m far far away from achieving my goals in a timely fashion or ever being able to afford to move unless inheritance makes that possible. 

Will keep trying my best. I’m in a much better position than I was when I first started saving hard