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The Save £12k in 2025 challenge

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Comments

  • Suffolk_lass
    Suffolk_lass Posts: 10,789 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    t2rry said:
    I've started a draft spreadsheet, so I have moved up all the people who have posted to here. I've filled the top range of "holes" and I am down to some regulars who haven't commented yet.
    Does going into my third year make me a regular!?  I don't mind switching numbers, though I have enjoyed a nice round one this year!

    Whilst I've been pretty consistent (and just above target) the last couple of years, 2026 will see a big shake up to our finances as we're taking on some additional mortgage, which is totally manageable (touch wood) but may reduce my ability to foresee what we can save through the year against new budgets. It will be an interesting one to look back on this time next year for sure!
    I would very much like to move you up the list from #50 @t2rry. Just waiting to see if @geordiejon comes back (not updated last month)  or maybe @Hellesbelles updates but both have low numbers and if they are MIA either is a possibility
    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 here
  • geordiejon
    geordiejon Posts: 268 Forumite
    Third Anniversary 100 Posts Name Dropper
    edited 17 December 2025 at 11:30AM
    t2rry said:
    I've started a draft spreadsheet, so I have moved up all the people who have posted to here. I've filled the top range of "holes" and I am down to some regulars who haven't commented yet.
    Does going into my third year make me a regular!?  I don't mind switching numbers, though I have enjoyed a nice round one this year!

    Whilst I've been pretty consistent (and just above target) the last couple of years, 2026 will see a big shake up to our finances as we're taking on some additional mortgage, which is totally manageable (touch wood) but may reduce my ability to foresee what we can save through the year against new budgets. It will be an interesting one to look back on this time next year for sure!
    I would very much like to move you up the list from #50 @t2rry. Just waiting to see if @geordiejon comes back (not updated last month)  or maybe @Hellesbelles updates but both have low numbers and if they are MIA either is a possibility
    good morning, yes will probably be back next year, i did update last month but didn't have any savings as it was a tight month.
    #09 geordiejon reporting for december of £1,225 to finish the year, falling a little short but glad of the extra money this year.

    you will have to mark me as must try harder next year.😊

    got to thank you for running this as it can't be easy and wish you and everyone on here a happy christmas and a prosperous new year.
  • Hellesbelles here No11

    Hello! I am not MIA! I posted on 2nd December. I've just to check I wasn't imagining it, and it is on page 64.

    Won't be able to post an update until after payday.

    Happy Christmas everyone!
  • Suffolk_lass
    Suffolk_lass Posts: 10,789 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry @jeordiejon and @Hellesbelles I think I was having a moment. Looking at two spreadsheets and not checking the names for the recent posts. And @T2rry - I would like to move you up into the teens, as never sure we will reach 50 - shout if you want a 0 on the end
    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 here
  • Sandyra
    Sandyra Posts: 311 Forumite
    Tenth Anniversary 100 Posts Name Dropper Cashback Cashier
    @Suffolk_lass please could I join for 2026 and have the same number to match my MFW one which is #32 if possible.

    thank you 

    MFW 2026 #32 £XXXX/£6,000; MFW 2025 #32 £9,594.51/£3,000; MFW 2024 #32 £4,217.84/£3,000; MFW 2023 #32 £5,238.84/£4,000; MFW 2022 #32 £8,246.43/£8,000; MFW 2021 #32 £8,982.73/£8,000; MFW 2020 #32 £12,000/£6,000

    Save £12k in 2026 #32 £XXXX/£18,000; Save £12k in 2025 #48 £20,000/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000

  • Suffolk_lass
    Suffolk_lass Posts: 10,789 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 18 December 2025 at 8:34AM
    Sandyra said:
    @Suffolk_lass please could I join for 2026 and have the same number to match my MFW one which is #32 if possible.

    thank you 
    Yes, I can try to do that!
    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 here
  • Suffolk_lass
    Suffolk_lass Posts: 10,789 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sandyra said:
    please could I join for 2026 and have the same number to match my MFW one which is #32 if possible.

    thank you 
    Yes, I can try to do that!
    It depends on @1stTimer who has had that number this year. I hope they are happy to rejoin and move (to a lower) number. I can see why you want it.

    My thinking is that @Cassingtonbear (not seen on the forum since early October) might not be joining in so @Kim_13 would move there leaving a gap at 12 for a rejoiner 
    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 here
  • #27 Topscooby £1000 for December please.

    My final update for December and the year. Slightly surpassed my target for the year so very happy with that. 

    Looking forward to fresh goals for next year , especially as #6 this time. I know it’s purely psychological, but the move to #6 will spur me on as an incentive to do well as number six has always been my ‘lucky number’, and, being an even number, it satisfies my numerical dyslexia and subsequent ocd anxiety 😟 

    Well done @enthusiasticsaver  and  @Suffolk_lass  for administering this challenge so successfully. I know many people have expressed their gratitude for both of your continued efforts but reading this thread really has inspired me to ensure my savings goals are realistic and achievable with suitable determination…something you both promote so well and in such a friendly manner…congratulations to you both  o:)

    Keep up the good work everyone, and I look forward to joining many of you savers again for next year’s challenge.

    Literally, onwards and (fingers crossed) upwards.

    Merry Christmas and Happy New Year to you all.

    Andy


    £12k in 2026 #6 ( £1,000 / £12,000 )
    £12k in 2025 #27 ( £12,850 / £12,000 ) Goal surpassed 🙏
    £12k in 2024 #18 (£14,000 / £12,000)…Goal surpassed 🙏
    The 365 Day 1p Challenge 2023 #86 ( Completed at 299.42% )
  • Hi @Suffolk_lass,

    There have been a few tweaks over the months causing the discrepancy, thanks for being so sharp eyed!   

    Jan = £3,394.09 
    Feb =  £1,704.60 
    Mar =  £1,551.31 
    Apr =  £6,444.16 
    May = £3,098.87 
    Jun =  £1,824.89 
    Jul =  £3,754.60 
    Aug =  £4,273.85 
    Sep = -£6,820.35 
    Oct =  £2,512.10 
    Nov =  £1,228.64 

    You don't have to update the spreadsheet though. it's a small difference and i don't want to take up your time. 
    GOAL:- £400k in Savings by March 2026 SAVINGS: – £392,951 COMPLETE GOALS - Debt Free, Mortgage Free, £350k Savings Save 12k in 2025 #41 = £26,473 / £25,000
  • Spreadsheet updated and thank you for your kind words @Topscooby. Congratulations on achieving your savings challenge. Happy Christmas to you too. 
    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.

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    The 365 Day 1p Challenge 2026 #1 £55/£667.95
    Save £12k in 2026 #1 £1000/£12000
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