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The "Save £12k in 2023" Thread!
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Just moved £500 over to savings so £9000 saved so far in 2023. Looking promising to meet the £12k target for the year.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 forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2026 #1 £55/£667.95
Save £12k in 2026 #1 £1000/£120003 -
#14 declaring £1,914.03 for this month
I have fixed accounts ending in August, so hoping savings rates nudge up again given the interest rate increase. Difficult to decide how and when to fix, but not a bad problem to have
Still on target for the year, now we're half way through! Where does the time go?!£12k in 26 #14 £2501.58/£12k 25 #14 £19,041.66/£18k 24 #14 £15,653.11/£18k 23 #14 £17,195.80/£18k 22 #20 £23,024.86/£23k1 -
#11 declaring £1,325 for June. Quite happy with that and hope to continue, if not better, this amount for the rest of the year.2
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#20 reporting £1,164.86 for June. A nice chunk due to getting my bonus from work. Total for the year so far is £5,368.81.
My debt-free diary: Go your own way
Save £6k in 2025 #19 £1,002.60/£6,000
Save £10k in 2024 #10 £12,013.63/£10,000
Save £12k in 2023 #20 £7,040.55/£12,0002 -
#8 reporting in having transferred my savings for July as DH and I both got our pensions today. £700 moved into joint savings and £100 into personal savings so a total of £800 making a total saved so far of £9800.
Hope you are doing ok @slowlyfading. Not heard from you in ages but I follow your blog and you still seem to be posting there. Hope life is getting easier.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 forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2026 #1 £55/£667.95
Save £12k in 2026 #1 £1000/£120002 -
#34 with £1442.57 for June
MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.142 -
No 5. Reporting £5050 for June.I am finally being paid for the extra work that I did January - April.All placed into the easy access whilst I ponder and watch the interest rates.2025 Fashion on a ration 0/66 coupons
2025 Frugal challenge2 -
Number 50. A low total this month of just £291.87 (and a grocery shopping overspend against my aimed for average of £250, by over £100). Not impressed with myself!Save £12k in 2025 #2 I saved £14,660.97 of £6000 or 244.35% of my target. The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2025 I finished the year at £2880.99/£3000 or 96.03% of my annual spend so I am sticking with a £3000 annual budget for 2026
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 in 2026 discussion thread
My keep within our budget diary is here1 -
Total for June £-2933.90 - paid out a lot for the garden to be landscaped.
I'd normally separate out savings for a big thing like this but the start of the year was a bit chaotic so I didn't get a chance, but the end result is the same.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: +11 -
#43 declaring £300 saved in June. Had to pay for my holiday and annual car insurance renewal so quite happy with that.3
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