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The Save £12k in 2025 challenge
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@Kim_13 I've got £1,124.01 comprising 1022.06+5+96.95 - only 60p more.Kim_13 said:#12 Sorry, yet another update - forgot about interest being added to my ISA today as it matures tomorrow. £96.35, so December's total becomes £1,123.41Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
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 here0 -
Interest was £96.35, not the 95 so that explains the 60p.Suffolk_lass said:1 -
Happy New Year to all.
#47 declaring £790.36 for December.
I made the target, a little bit over, despite some difficulties in December.
Declutter 2024 :277
Save £12k: #47 £4757.58/£12000
Grocery challenge: £2080 pa, bulk buy £520 pa2 -
Here is the link to the 2026 challenge for anyone thinking to challenge themselves againSave £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
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 -
#024 declaring £2,889 for December.
Realised I had some balances in current accounts (with attached regular savers) that I had forgotten about!
Overall savings figure has been disappointing for 2025. Will take some time to re-think what I'm reporting as to date I've been quite lazy and not reporting any mortgage overpayments or pension contributions.
Maybe from 2026 I'll include those which boost my overall saving numbers! See you in the 2026 thread!"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 -
#16 with £2,173.47 for December.
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Happy new year, all!
I've been really bad at keeping this thread up to date – my apologies. The year ended quite differently to how I'd planned: my job ended unexpectedly, and while another arrived shortly after, it really threw off my financial plans for November and December. Times like this make me glad I've built a safety net, even if dipping into savings I've worked hard to build isn't pleasant!
Anyway, I owe a few months of updates, so here they are:
October: £2,497 November: £100 December: £100
Grand total for the year: £27,209.40 – 136.05% of my original goal
Best of luck to anyone doing this again for 2026
Save £12k in 2023 #51 - £20,411.96 / £15k (136.08%)
Save £12k in 2024 #24 - £19,331.23 / £20k (96.66%)
Save £12k in 2025 #53 - £27,209.40 / £20k (136.05%)
I built a new salary tool to help explain deductions and visualise tax brackets. Try it here: salarytools.co.uk1 -
Happy New Year sorry have been so rubbish at updating I think I just need to do December then I should be up to date.
Basically it is just interest on my savings accounts until the money is invested as I have left my job as per December to go self employed.
TallGirl #49 savings £956 for December.Moved to Denmark for FIRE by Aug 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest1 -
Thanks for the update @TallGirl - I have added it to the spreadsheet here and the archive version on the 2026 spreadsheet over on the new thread. Good luck with your new work status! Maybe see you back on the challenge when things have settled a bitTallGirl said:Happy New Year sorry have been so rubbish at updating I think I just need to do December then I should be up to date.
Basically it is just interest on my savings accounts until the money is invested as I have left my job as per December to go self employed.
TallGirl #49 savings £956 for December.Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
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 -
#33 reporting some very late updates. As usual the saving continued even if the reporting failed.September - £580.07October - £498.55November - £380.66December - £245.09Thanks again for this challenge.Save £12k in 2025 #33 £2531.77/£5000 (If this carries on I might have to up my target!)
April take lunch to work goal - 3 of 120
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