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The Save £12k in 2025 challenge
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Whoops, in my excitement I got it wrong 🙃 😄 thanks for correcting#5 - Save £12k in 20261
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#12 Kim_13 £980.94 for October
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#59 KrsyW reporting £284.98 for October.
October ended up not being as bad as I thought it would - paid off the holiday spending from the month before, and had a few treats - Lego is very expensive! Still managed to be slightly up for the month overall, which is a pleasant surprise.
Christmas shopping starts next month, although that will be split over 3 credit card billing cycles - I tend to put all of my spending on a credit card which gets paid off in full each month.Emergency Fund: £15,000/£15,000 Mortgage Overpayment Fund: £36,000/£72,000
Mortgage: Current End: Nov 47 Target End: Apr 34 Current End Inc Overpayment Fund: Sept 432 -
How the year has gone by. Been very busy, but got a promotion at work in August which should help with extra income going forward and progression. Sorry for not updating these at the time!george4064 said:#24 declaring £660 for May!
#24 reporting:
June - £175
July - £760
August - minus £600
September- minus £2,000
October - £985
Had some work done to the windows over September which took a bit of a dent, and we've got a big trip to HK and Japan booked for early 2026 which we're very excited for. Naturally, both have taken a dent in savings but thankfully all positive!
EDIT: Just remembered that I increased my salary sacrifice pension contributions and have not been counting them towards my savings, this somewhat explains the lower figures. Something to think about next year and whether I start including those pension conts, maybe I just count the conts above and beyond what I put in for the max company match..
Interested to hear how or if others count their salary sacrifice contributions into these saving challenge?
P.S. Ironically, I think this thread flies under the radar a bit more (for me at least) since it become a pinned post this year. Strange!"If you aren’t willing to own a stock for ten years, don’t even think about owning it for ten minutes” Warren Buffett
Save £12k in 2025 - #024 £1,450 / £15,000 (9%)1 -
#18 with £1124.67 saved in October on track to complete target this year, only 2 months left.It is the job that is never started that takes the longest to finish. Tolkien.Save 12k in 2025 No 18 365 1p challenge 2025 No 21
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This looks great. Would love to take part in this for 2026!1
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#39 linz £1000 for November please 🙂
Many thanks!#5 - Save £12k in 20261 -
#34 - Declaring £1802.50 for November.YTD Total: £21,877.62 / £12,000WOW, hasn't this year gone like the speed of light?Congratulations to all those who reached their 12k target and beyond or who will get their in Decemeber
~ NSD 2026 Challenge January 3/20 (1)# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £20 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge for 2026 £25/£230 (1)# Make £2026 in 2026 £344.52 / £2026 (1)1 -
It's only pennies @Dizzycap but we have your YTD as £21,877.08 not 62p - let me know where the disparity is and I will amend. Here's the link to the spreadsheet. And well done, btw!Dizzycap said:#34 - Declaring £1802.50 for November.YTD Total: £21,877.62 / £12,000WOW, hasn't this year gone like the speed of light?Congratulations to all those who reached their 12k target and beyond or who will get their in DecemeberSave £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 -
Suffolk_lass said:
It's only pennies @Dizzycap but we have your YTD as £21,877.08 not 62p - let me know where the disparity is and I will amend. Here's the link to the spreadsheet. And well done, btw!Dizzycap said:#34 - Declaring £1802.50 for November.YTD Total: £21,877.62 / £12,000WOW, hasn't this year gone like the speed of light?Congratulations to all those who reached their 12k target and beyond or who will get their in Decemeber@ Suffolk_lass- Yes, it should be £21,877.08 - Sticky fingers on the keyboard early in the morning
I'm a little overwhelmed by how well I've done this year as it's usually a struggle to save much from August onwards, but this year I had some surprise bonuses, so won't complain
~ NSD 2026 Challenge January 3/20 (1)# No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £20 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)# No.5 Fiver Friday Challenge for 2026 £25/£230 (1)# Make £2026 in 2026 £344.52 / £2026 (1)1
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