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2021 - let’s start again!!
I closed my previous thread as I wanted to start a whole new one. I started last year with £5K and finished with £3.5K. Last year was expensive! I stopped putting anything away in September as I knew I had an expensive Christmas coming up. Anyway, my house plans are only put back by about a year so far. As the clocks…
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Dolly's Emergency Fund
So this Dolly has just bought her first ever flat and now it is time to be a proper adult and get myself an emergency fund. My aim is to have an EF of £8,000 and tbh this will take me a long time to get there but it's good to have a goal. I have added my first £100 so I have saved 1.25% of my goal so far which is teeny…
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Advice to invest £15000
Hello, I currently have £15000 in savings in a local credit union. Can someone advise me where to invest this as I retire in 5 years and won’t need it until then?
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100% FUNDED STORAGE RADIATOR REPLACEMENT.
I was looking to replace all the storage radiators in an old ladies house. I kept coming across sites on Internet offering to replace old storage heaters free of charge. At first I thought it was just a marketing scam and there would be lots of hidden costs but filled in the form anyway. It turned out to be 100% genuine,…
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Savings Diary: BDays, Xmas, Controlling Impulsive Spending
After spending a week trawling through different forums and seeing how well everyone is doing and all of the advice, I've decided to join! All through my teen years I saved almost everything without fail. Now I'm in my early twenties, living away from home with some housemates, and have to admit the boredom of furlough has…
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10 year renewal Driving license
DVLA have issues with on line with passport being used phoned them last week as I am shielding I tried to apply on line and was told there are issues and can not be done so I have to apply by post or via post office
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Student Saving
Hi Everyone, I'm a bit of a long time lurker and very little poster but I thought that I would start a diary to track my savings. I've not long left full time (well paid!) employment to go back to being a student. I now get a stipend for the next 3 years. I've always been a saver not a spender but 5 years in a fairly well…
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Car Insurance renewal
I have just received my renewal from Hastings and it had only increased by £5 (£255) but I used a comparison site and got the same policy for just £204. I then rang Hastings after a problem with my email and they reduced it further to £190 and included cover on my NCD...Winner saving a total of £65!! Always do a…
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Capquest text messages and calls
I had been receiving text messages the last 3 weeks but thought it was a scam. They have contacted me today to say I have an outstanding debt from 2009 and I had a ccj taken against me. They want me to pay £380. I know for a fact I have no debts as when I was trying to get a mortgage I had to clear done bills run up by ex.…
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How much money can I save if I switch to a cloud hosting provider for QuickBooks?
I recently bought QuickBooks Pro License and I am thinking of a cloud hosting provider wh can host the particular software.
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National Insurance
Hello, can you tell me exactly how many years you need to pay in to NI to get the full pension? My DOB is 1960. I did 3 years at university and I thought it counted towards NI but I see very confusing information on websites saying it doesn't count. The site says I have 41 full years but need 3 year more. Another website…
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Saving to travel in retirement... and perhaps buy a house abroad!
Hi everyone I am starting a diary to encourage me to continue on the path I am on. I spent many years in consumer debt but with the help of this forum and finally settling down, I find myself in a position where I can start to dream about what I would like to do in the future. I have no debt and just a few years left on my…
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Moved: Wheelie bins
This discussion has been moved.
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Garage Conversion Added value
Hi, I’m looking to convert my garage and downstairs toilet into a bedroom & en-suite bathroom. I have plenty of driveway space for off road parking, plenty loft and a shed space too. The initial quotes I have are higher than I expected (~16k) and that’s before I choose a higher spec bathroom suite and tiles. My house is…
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Covid Spreadsheet
When Covid lockdown started, I started a budget spreadsheet to see how much I'd save by - well, doing nothing. So far, it's averaged £100 a week - £1600 thus far - Woohoo! Half was inevitable I suppose, transport being an obvious one. Not so obvious was mobile roaming data - I didn't really pay attention to it, £20 a week!…
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Future is Bright
Long rambling post I fear for my first diary post but here goes.... I've spent all my 20s in and out of debt (mainly in). I'd say a lot of it was gambling, the rest was living above my means. I'd have a good month and splurge on holidays, days out etc and then instantly regret it as the next month the debt is still there…
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Saving for my first bricks and mortar...
Hi everyone! I've been having a little read of other people's stories on here so thought I'd start my own, hoping it'll keep me on track :rotfl: About me. I'm early 40's and have been renting forever. We have been very lucky with the landlord and not had a rent increase for 10 years, until now. He wanted to increase our…
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Young, dumb and saving for a house
Hello everyone, my name is Joe and I live in the South East of England. I'm 19 years old and I'm saving up to eventually buy a house. I currently earn <£20,000 a year but I manage to save ~£1,000 a month - having no bills to pay definitely helps. Here's a breakdown of what I have so saved far: * Vangaurd Global All Cap S&S…
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Focussing on today
Hi, I feel that I need a new focus to help me cope with these strange times. I'm driving myself a bit mad trying to make plans and set goals for the future when everything's so uncertain. I also feel like I've lost a lot of confidence during the past few months and now I'm stuck in a circle of fed up with everything but…
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LucieCat's rolling down to retirement.
I've been inspired by everyone's savings threads to start my own. I'm 64 years old, not due to claim state pension for another two years. I have a small pension and have three very part-time jobs, which gives me a total net income of around £1400 a month. I will carry two jobs into retirement, and plan to drop one, which…