Hi everyone! Great to see this going again! Pop me down please @enthusiasticsaver! I'll go for number 13 please I'll try and suss out who's also getting involved in MSE Towers! I will let you all know when the blog is updated for this year too in the next few days
Excellent and lovely to see you @MSE_Molly. I loved the blog and look forward to seeing the updated one.
You are #13 and hope it is lucky for you
I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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 [email protected] All views are my own and not the official line of MoneySavingExpert. Save £12k in 2023 Challenge #8 £12,000/£6500 The 365 day 1p Challenge 2023 #1 £670.00/£100.00 The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
Count me in please!! Don’t think I got a number last year but happy with whatever I get given. I’ve been paid today so I have already popped 1-26 Jan amounts into a pot!
LMD x
Life gets in the way...PADding is addictive...Saving's better than spending...
Can I join please? I am already doing the Christmas saving challenge, so if I start this one, the money can go to something else at the end of the year. Don't mind what number I am. Thanks
Making the debt go down and the savings go up, one day at a time.
LBM 2015 - debt at £57K / Feb '23 now £34,680
Mortgage at 1st March 2023 £28,026 Total Mortgage Overpayments in 2022 was £240. Total Overpayments so far in 2023 is £40
Challenges EF #68 £240/£1000 Christmas 2023 #3 £62/£365 (as I am saving for Christmas & birthdays, total will fluctuate through the year) Penny a day 2023 #12 £46.47/£667.95 Make £5 a day - March £128.70/£155
Count me in please!! Don’t think I got a number last year but happy with whatever I get given. I’ve been paid today so I have already popped 1-26 Jan amounts into a pot!
LMD x
Great to see you and you are number 11. Great you have already started.
I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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 [email protected] All views are my own and not the official line of MoneySavingExpert. Save £12k in 2023 Challenge #8 £12,000/£6500 The 365 day 1p Challenge 2023 #1 £670.00/£100.00 The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
Can I join please? I am already doing the Christmas saving challenge, so if I start this one, the money can go to something else at the end of the year. Don't mind what number I am. Thanks
Of course you are very welcome. You are number 12
I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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 [email protected] All views are my own and not the official line of MoneySavingExpert. Save £12k in 2023 Challenge #8 £12,000/£6500 The 365 day 1p Challenge 2023 #1 £670.00/£100.00 The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
Welcome to all new savers. You are all awesome and hopefully we can all save a decent amount individually and as a group.
If you do the challenge as per the MSE directions the amount for each calendar month are as below. However this is your challenge and there is no onus on you to save in this way or fix on the total amount or end date. If you want to report as we go along though I am happy to record this on a sheet and the link will be on post number 1 at the top of this thread.
If you want the end date or target saved to be altered just let me know ideally in bold on the thread. If you want to report amounts as we go either monthly, weekly or whenever please type in bold on your posts so I can easily spot them and can update the sheet with total amount saved so far.
January 4.96 February 12.74 March 23.25 April 31.65 May 42.16 June 49.95 July 61.07 August 70.68 September 77.55 October 89.59 November 95.85 December 108.50 TOTAL 667.95
I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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 [email protected] All views are my own and not the official line of MoneySavingExpert. Save £12k in 2023 Challenge #8 £12,000/£6500 The 365 day 1p Challenge 2023 #1 £670.00/£100.00 The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
Can I join please? This will be my 1st challenge. Do we share a spreadsheet or each do their own?
Yes of course you may join and you will be number 14 if that is ok.
I have just put a link to a spreadsheet on post number 1 of this thread and I am happy to update as we go along. Obviously if you prefer to do your own you can do this instead or as well as the group challenge spreadsheet.
Personally I have just printed the chart (also found in post 1) and intend to tick off the days and report a weekly/monthly amount saved into a virtual savings space. Others are doing cash in a sealed pot so whatever works for you.
The only amount showing for each member on the spreadsheet will be the total saved since the beginning of the challenge. I will try and update weekly to start with.
I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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 [email protected] All views are my own and not the official line of MoneySavingExpert. Save £12k in 2023 Challenge #8 £12,000/£6500 The 365 day 1p Challenge 2023 #1 £670.00/£100.00 The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
Count me in please!! Don’t think I got a number last year but happy with whatever I get given. I’ve been paid today so I have already popped 1-26 Jan amounts into a pot!
LMD x
Great to see you and you are number 11. Great you have already started.
Thank you!!
Life gets in the way...PADding is addictive...Saving's better than spending...
Oooh I'm getting excited by doing this with others properly this time. I don't know what nonsense I got on with last time, but the pot is going well so far 😁.
@enthusiasticsaver, I put my money aside whenever I get some income (which is staggered throughout the month), so I'll post here as I've made those payments. Mine is done based on random amounts. Can I please update my balance with what I have saved so far? If so, it's £98.31. Thanks x
Debt Free Diary:- The Mental Debt Struggle... https://forums.moneysavingexpert.com/discussion/6364598/the-mental-debt-struggle/p1?new=1Debt Tracking Restart Take 2 from 01/08/2022 = £22,189.87 (8 creditors) So, on 27/03/2023 = £8,442.04/£22,182.54 (5 creditors) = 38.04% repaid Aiming to be Debt Free = 31/12/2025THE BURDEN RESTART TRACKER:-Bank of Mum 3 - school fees (£1,700/£4,800) 35.42% repaid || Barclaycard (£2,387.80/£9,587.80) 24.90% repaid || Creation (£581.36/£1,070) 54.33% repaid || MBNA (£800/£3,000) 26.67% repaid || Sky Mobile (£246.84/£1,006.03) 24.54% repaid
🎉 TUI (£2,276.04/£2,276.04) 100% repaid || Bank of Mum 1 - car (£150/£150) 100% repaid || Bank of Mum 2 - family holiday (£300/£300) 100% repaid 🎉
(Original Debt on 15/07/2016 was £33,056.76) 🙈
2023 SAVINGS TARGETS:-Noose PAD Pot Phase 1= £0/£845.34 (0% saved) || Globetrotter Travel Pot = £1.67/£700(0.24%) || Emergency Fund = £503.53/£1,000 (49.35% saved) 2023 SAVINGS CHALLENGES:-#5 Penny Challenge = £129.29/£670(19.30%)SPC 16 #79 - target of £500 || #2 25 Envelope Challenge = 9/252023 DEBT FREE CHALLENGES:-#42 Debt Free Before Xmas 2023 = £1,741.62/£6,000(29.03%)
Replies
You are #13 and hope it is lucky for you
Save £12k in 2023 Challenge #8 £12,000/£6500
The 365 day 1p Challenge 2023 #1 £670.00/£100.00
The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
LBM 2015 - debt at £57K / Feb '23 now £34,680
Mortgage at 1st March 2023 £28,026
Total Mortgage Overpayments in 2022 was £240.
Total Overpayments so far in 2023 is £40
Challenges
EF #68 £240/£1000
Christmas 2023 #3 £62/£365 (as I am saving for Christmas & birthdays, total will fluctuate through the year)
Penny a day 2023 #12 £46.47/£667.95
Make £5 a day - March £128.70/£155
NSDs for Mar 11/15
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-down-the-savings-up
Save £12k in 2023 Challenge #8 £12,000/£6500
The 365 day 1p Challenge 2023 #1 £670.00/£100.00
The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
Save £12k in 2023 Challenge #8 £12,000/£6500
The 365 day 1p Challenge 2023 #1 £670.00/£100.00
The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
Do we share a spreadsheet or each do their own?
If you do the challenge as per the MSE directions the amount for each calendar month are as below. However this is your challenge and there is no onus on you to save in this way or fix on the total amount or end date. If you want to report as we go along though I am happy to record this on a sheet and the link will be on post number 1 at the top of this thread.
If you want the end date or target saved to be altered just let me know ideally in bold on the thread.
If you want to report amounts as we go either monthly, weekly or whenever please type in bold on your posts so I can easily spot them and can update the sheet with total amount saved so far.
January 4.96
February 12.74
March 23.25
April 31.65
May 42.16
June 49.95
July 61.07
August 70.68
September 77.55
October 89.59
November 95.85
December 108.50
TOTAL 667.95
Save £12k in 2023 Challenge #8 £12,000/£6500
The 365 day 1p Challenge 2023 #1 £670.00/£100.00
The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
I have just put a link to a spreadsheet on post number 1 of this thread and I am happy to update as we go along. Obviously if you prefer to do your own you can do this instead or as well as the group challenge spreadsheet.
Personally I have just printed the chart (also found in post 1) and intend to tick off the days and report a weekly/monthly amount saved into a virtual savings space. Others are doing cash in a sealed pot so whatever works for you.
The only amount showing for each member on the spreadsheet will be the total saved since the beginning of the challenge. I will try and update weekly to start with.
Save £12k in 2023 Challenge #8 £12,000/£6500
The 365 day 1p Challenge 2023 #1 £670.00/£100.00
The 365 £1 a day Challenge for Christmas 2023 #43 £1000/£400
@enthusiasticsaver, I put my money aside whenever I get some income (which is staggered throughout the month), so I'll post here as I've made those payments. Mine is done based on random amounts. Can I please update my balance with what I have saved so far? If so, it's £98.31. Thanks x
Debt Tracking Restart Take 2 from 01/08/2022 = £22,189.87 (8 creditors) So, on 27/03/2023 = £8,442.04/£22,182.54 (5 creditors) = 38.04% repaid Aiming to be Debt Free = 31/12/2025
THE BURDEN RESTART TRACKER:- Bank of Mum 3 - school fees (£1,700/£4,800) 35.42% repaid || Barclaycard (£2,387.80/£9,587.80) 24.90% repaid || Creation (£581.36/£1,070) 54.33% repaid || MBNA (£800/£3,000) 26.67% repaid || Sky Mobile (£246.84/£1,006.03) 24.54% repaid
🎉 TUI (£2,276.04/£2,276.04) 100% repaid || Bank of Mum 1 - car (£150/£150) 100% repaid || Bank of Mum 2 - family holiday (£300/£300) 100% repaid 🎉
(Original Debt on 15/07/2016 was £33,056.76) 🙈
2023 SAVINGS TARGETS:- Noose PAD Pot Phase 1= £0/£845.34 (0% saved) || Globetrotter Travel Pot = £1.67/£700 (0.24%) || Emergency Fund = £503.53/£1,000 (49.35% saved) 2023 SAVINGS CHALLENGES:- #5 Penny Challenge = £129.29/£670 (19.30%) SPC 16 #79 - target of £500 || #2 25 Envelope Challenge = 9/25 2023 DEBT FREE CHALLENGES:- #42 Debt Free Before Xmas 2023 = £1,741.62/£6,000 (29.03%)