Saving lots in pots!

~FlowerPot~

Just banked my money and then filled the last envelopes that im going to for this year's 52 week challenge that LMD ran this year.
So thats 29, 40 and 50.
I have saved in total - £1003 - very happy with that!
🌸🌸🌸🌸🌸🌸
Now need to go to the bank again!!

~FlowerPot~

friday round up time ~ and its about time!!

bit deprressing, but

car pot was 0 ~ just restarted so now its £21

Health pot is 0 ~ need to rebuild this as i have dental work to be done for ££££ !

xmas fund 2023 (from the 365 1p challenge has £160 left, but still some cash withdraw and pop in an envelope)

xmas fund 2024 ~ go me ive started this and have £75 here already!!

pension ~ popped £100 across early December, but need to restarted the weekly SO ~DONE £15 popped across

EF fund is ~ £1489 ~ need to restart the SO here as well. ~DONE £35 popped across

Tax pot has also been raided ~ when will i learn! but this shouldnt be to much of a problem, as less is needed this year.

MMOP ~ £30 popped across yesterday from prolific and another £15 from fleabay

I like using this savings thread as I really is helping me to be accountable.

Having checked my account this morning to see the SOs and which needed re starting I had a lovely surprise of a nice big payment for DLA for DD which has obviously been approved, although they havent not been in contact to inform me!!!  So Ive moved this across and it will help no end with petrol for driving her to her lessons and the tutors fees, very pleased. about this!

 

~FlowerPot~

2023 savings round up 

(drum roll please!!!)

i have been looking forward to totting up all my savings pots to see what i have managed to save this year.

EF £1489

ISA £892

Pension since (jan 23) £1928

52 week envelop stuffing challenge £1006 ~ i need to decide where to put this!

TOTAL for 2023 £5315

alongside these long term savings i saved up £165 for the sealed pot / £500 prolific challenge (for tax) / £690 for xmas fund.

Plus MMOP started in september using prolific money £210 so far.

  very very happy, i know this is much much more than if i hadnt been using this forum and joined in with some of the challenges

now to plan saving goals for 2024!!!

Keedie

Sounds like things are going in the right direction and glad that the DLA came through even if they hadn't written to you, as that's a nice surprise.

~FlowerPot~

Keedie said:

Sounds like things are going in the right direction and glad that the DLA came through even if they hadn't written to you, as that's a nice surprise.

thank you Keedie ~ I couldnt believe it sitting there in my account. But cant understad why there has been no email or letter! I have no idea what the weekly / monthly amount will be!

~FlowerPot~

this time next week it will be christmas day ~ yikes!

I have my last clinic day of the year and then the next 2 mondays are off due to the bank holidays, So I will get a good break from work, but no pennies!

I need to ensure I spread out the money I get this week to make it last.!! I do have a habit of stuffing it all in places and then leaving myself short!!

Greatfull this morning

For the xmas tree, looking beautiful this morning

A gorgeous sunrise this morning

I lovely cup of hot coffee this morning while everyone esle is sleeping !!!

MovingForwards

If DS is unable to work, obtain fit notes from GP and get that UC claim started; needs to formally withdraw from course.
- Think you're already sorted with DL@ / P1P?

You'll get a letter in the post over the next few weeks confirming DLA details, it's always slow at being received.

Prioritise a couple of budgets for car / medical bills and try not to bite off more than you can chew and budget based on worst income; extras can get apportioned.

Ask hubby to send money to you each month for savings, if you've got to do it yourself so it happens so be it!

~FlowerPot~

MovingForwards said:

If DS is unable to work, obtain fit notes from GP and get that UC claim started; needs to formally withdraw from course.
- Think you're already sorted with DL@ / P1P?

You'll get a letter in the post over the next few weeks confirming DLA details, it's always slow at being received.

Prioritise a couple of budgets for car / medical bills and try not to bite off more than you can chew and budget based on worst income; extras can get apportioned.

Ask hubby to send money to you each month for savings, if you've got to do it yourself so it happens so be it!

thanks moving faorwards ~ I received 3 letters today all about the DLA so I now know the amount, so thats all good. As for DS1, your right I will have to conisder what to do. But we'll wait till jan Feb time and see if there is any chance he will try and get a job / manage to work. I am hopeful he could do something part time, but its getting started and finding somewhere that would be suitable and supportive!!

very sensible advice about the budget, I need to take note. i rend to get over excited and jumpt in with too many goals/ challenges!

DH wont send me money to save,! but im going to try and encourage him to save for something specific, a holiday would be good !!!!   Or maybe abit aside each month which could then go on the mortgage if not needed at the end of the year!

~FlowerPot~

Challenges for 2024

1. EF  increase to £3000 ~ so thats £1500
2. ISA add £1000
   
3. 52 week envelope challege £1340
4. 365 1p saving challenge £690
5. sealed pot
6. prolific £60 a month, £720 for the year (to go straight onto the mortgage)
7. Mortgage overpayment challenge £5000 ~ the vast amount will be from DH as he already O/P £240 a month. So we should have £3600. Will need to find / sell stuff to make up the difference of £1400
8. Pension money ~ mininum £600 (this year was much higher due to side hustle and Im not sure how that will go next year
9. Build car pot to £500 mininum Other pots also need building up if possible!!
   

I think this should be doable looking at what I have managed this year. But it can be a little stresfull when I have weeks that are v slow/ or if im ill.

MovingForwards

I would personally still go for UC sooner as it's a 5wk wait before monies are paid.

Use interest paying savings accounts, the interest could go towards savings pots or your mortgage O/Ps. One of my accounts allows 'pots' so I just pick which pot I'm paying into.

Reduce ambitions a bit and exceed them when it's possible, helps limit your pressure.