We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The Save £12k in 2025 challenge

16667697172

Comments

  • Dizzycap
    Dizzycap Posts: 1,478 Forumite
    1,000 Posts Second Anniversary Photogenic Debt-free and Proud!
    Whoo-hoo another 12k challenge for 2026! I'd love to join in, please. Can I keep # No.34 as it saves me getting confused in my signature  ;) <3
    ~ NSD 2026 Challenge January 11/20 (1)
    # No.12 Save £2 a Day 2026 £60.83 / £730 (1)
    # No.2 Save 1p A Day Challenge 2026 £59.17 / £667.95 (1)
    # No.19 52 Week Env Challenge 2026 £130 / £1378 (1)
    # No.4 Save £12k in 2026  £2454.88 / £12,000 (1)
    # No.4 £2 Savers Club 2026 - 25/12 - 24/10 £28 / £200 (1)
    No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)
    # Make £2026 in 2026 £627.92 / £2026 (1)
  • Sandyra
    Sandyra Posts: 311 Forumite
    Tenth Anniversary 100 Posts Name Dropper Cashback Cashier
    Thank you @Suffolk_lass and @1stTimer. I don’t think I said my target for 2026 would be, I’m aiming for £18,000 for 2026

    My December saving as I’ve been paid early is £1800, I’m going to see if I can pull together the other £600 to reach £20,000 by the 31st Dec. So fingers crossed I’ll be back. 

    #48

    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
    You've smashed your original target for this year @Sandyra, whether you reach £20,000 or not. Well done!
    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
    You've smashed your original target for this year @Sandyra, whether you reach £20,000 or not. Well done!
    Thank you  :). Had to be focused, no expensive holiday abroad this year and setting aside for potential baby. Hopefully with a tracker mortgage I could use the savings to save a little more. 

    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

  • Hi, #23 reporting in with £2,750 savings for December please?
  • Suffolk_lass
    Suffolk_lass Posts: 10,789 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oh well done @AnotherNewDay - you have also exceeded your target with that amount. 

    And we, collectively are at 85% of our original target for 2025, with a tiny bit of rounding up (I can confidently do this as I have not posted my December total yet)
    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
  • ElmoR
    ElmoR Posts: 417 Forumite
    Tenth Anniversary 100 Posts Name Dropper
    Morning all, hope everyone is having a lovely restful time. 
    No. 43 reporting in for the last update for 2025 with nothing in November 🙈 and £600 for December. Had unexpected outlays but for a good cause.
    With our family finances looking very different in terms of event plans, please can I sign up for £6000 for 2026 challenge? This will bethe funds to take us on a holiday to Australia at some point 🇦🇺😊, not that I have any idea how much it will cost 😂
    ElmoR xx
  • KrsyW
    KrsyW Posts: 34 Forumite
    Ninth Anniversary 10 Posts Name Dropper
    KrsyW #55 with a final report for the year of £551.68 for December.

    A big thanks to @Suffolk_lass and @enthusiasticsaver for running this challenge, and a big congratulations to everyone in this thread for saving.  

    I'm considering what to do for 2026 - due to a huge change in personal circumstances (a good one!) my priorities have shifted somewhat, and a bigger focus is on my pension as I target potentially retiring at 55.  I may well come up with a target and reappear in 2026.
    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 43
  • t2rry
    t2rry Posts: 1,092 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 29 December 2025 at 11:08AM
    Hello savers!

    #50 t2rry declaring my final 2025 update with an additional £185 for December please

    This is made up of Round Ups only, but brings me to £435 above my target.

    I shall spend some time today sorting out my 2026 budget and spreadsheet and update in the new 2026 thread my target for next year, see you there!!
    Debt Free I FFEF I Building Savings I 2026 Plan:
    1. 25/26 Pension £0/£3,500
    2. Regular Savings £790/£6,500
    3. Slush Fund £1,960/£10,000

    Save £12k in 2026 - #17 - £2,750/£20,000 (14%)
  • #60
    My final update of the year… could you add £1128.36 to my total please?

    It’s been an expensive year with vet bills, and a new washing machine needed etc. With that in mind, although I’ve not reached my initial goal, the total is better than it could be. 
    Onward to a shiny new year!

Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353.1K Banking & Borrowing
  • 254K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.2K Work, Benefits & Business
  • 602.3K Mortgages, Homes & Bills
  • 177.9K Life & Family
  • 260.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.