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    • fiestaman87
    • By fiestaman87 10th Jan 19, 7:33 PM
    • 44 Posts
    • 47 Thanks
    fiestaman87
    Can I sign up please?
    12K (I hope).

    Thanks in anticipation.

    fiestaman87
    Total Savings: HSBC 2000, Marcus 1001.91, Virgin Money 1000.19 - Total 4002.10
    Total Debt: Barclaycard (0% APR) 2,550.00, Santander CC (0% APR) 4,300.99, Santander Loan (3% - for car) 4,291.85, Mortgage 51,073.00 (1.5% APR) - Total 62,217.30
    • Sylvia1982
    • By Sylvia1982 10th Jan 19, 11:13 PM
    • 177 Posts
    • 373 Thanks
    Sylvia1982
    Thank you SF for allowing me to join.
    I cannot wait to update on pay day.

    Take care,
    Sylvia
    Must save to live, not just live to save!!!

    Challenge Save 12k in 2019 #141 0/6k
    Deposit 80,846.38/120K Fees/ect 12K/12KEmergency fund 1K/1K
    'Saving again after parting with a lot of money enjoying life
    • skimpyjane
    • By skimpyjane 11th Jan 19, 8:31 AM
    • 6 Posts
    • 106 Thanks
    skimpyjane
    I am also trialing the method where you sweep everything into savings out of my current account minus DD and a little extra if I can stick to it I will save some additional. I have so far saved 855.92 with all my regular savers, ISA Savings and doing the Tilly Tidying of my account. I have a couple of bits of furniture to sell from moving house so should have some more to add to it.
    Groceries Challenge 2019
    #119 12K in 2019 Challenge = 855.92/12,000 =7%
    • kev2009
    • By kev2009 11th Jan 19, 7:41 PM
    • 306 Posts
    • 431 Thanks
    kev2009
    Hi,

    #3 declaring 500 for January. I have submitted the form also.

    Many thanks

    Kev
    • cydney65
    • By cydney65 12th Jan 19, 8:40 AM
    • 811 Posts
    • 5,196 Thanks
    cydney65
    Going along with other posters, I have transferred 500 to my Marcus account, leaving enough money in my main account for bills etc.

    This is a radical departure for me, especially as I get paid at odd times during the month, so seeing a small amount in the main account is very scary. If I stick to it though, along with the tilly tidying, I should be able to make substantial savings and cut down on my spendthrift ways

    So, today I have 751.44 in savings overall

    CydneyX
    TOTAL DEBT @ LBM : 17082.66 DEBT FREE 7/01/13 Save 12K in 2019 No. 63; Jan 759.61/5000 Penny a Day 108.50/667.95
    We all grow old, use your life, the world goes and flutters by
    • SarahB89
    • By SarahB89 12th Jan 19, 12:14 PM
    • 8 Posts
    • 29 Thanks
    SarahB89
    Hi, can I join please? Trying to save for a deposit this year so aiming for 12k.
    So far this month I've transferred 400 to my regular saver and 500 to the LISA. I need to pay off my CC just after payday so can't see February being this good!
    Last edited by SarahB89; 12-01-2019 at 12:46 PM.
    • Tiglath
    • By Tiglath 12th Jan 19, 3:03 PM
    • 3,564 Posts
    • 11,617 Thanks
    Tiglath
    Arranged to overpay the mortgage by an extra 25/month - that makes the new overpayment to 137.65/month, and reduces the term by 1 year and 5 months. My big goal is to get the mortgage paid off so I no longer need to commute into the City, and can get a local job paying less but not requiring 5 hours commuting a day, so I can have a bit of a life. At the moment the mortgage will be paid off when I'm 64 and 6 months; I want that date to come down and down. I hate the thought of still having to commute in my sixties (it's bad enough in my fifties!). As I tweak bits of the budget, I'll add another 25 to the regular overpayment each month as and when I can. Needless to say any payrises will be 'ignored' in favour of increasing the mortgage repayments. I need to balance it with the requirements to finish doing up the house and developing the land - we bought a pretty derelict Victorian smallholding last year, and everything that could go wrong did go wrong.
    "Save 12k in 2019" #120 - 3224.29/60k
    • Aliciamilford
    • By Aliciamilford 12th Jan 19, 4:47 PM
    • 6 Posts
    • 11 Thanks
    Aliciamilford
    I am in for 5000$. Please put me in.
    • CluelessNonGardener
    • By CluelessNonGardener 12th Jan 19, 6:13 PM
    • 23 Posts
    • 44 Thanks
    CluelessNonGardener
    Form submitted for January, managed 300 this month. Happy with that considering the start point was really -200!

    Better than I expected this month thanks to mortgage cashback coming in at a timely point.
    Save 12k in 2019 #100: 300 / 4000
    • slowlyfading
    • By slowlyfading 12th Jan 19, 8:27 PM
    • 12,992 Posts
    • 74,756 Thanks
    slowlyfading
    Spreadsheet updated
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind - Dr Seuss
    Personal Finance Blogger / Jan NSD - 9 / In pursuit of FIRE
    • clarissa62
    • By clarissa62 12th Jan 19, 9:43 PM
    • 213 Posts
    • 552 Thanks
    clarissa62
    #39 - 425.04 declared for January. Spreadsheet updated and sent.

    Happy with this month's savings start. This has been helped by improvements in stock market performance and banking my Christmas and birthday gift money.
    #39 save 12k in 2019

    Debt free wannabe!
    • 2019ismyyear
    • By 2019ismyyear 13th Jan 19, 12:21 PM
    • 2 Posts
    • 24 Thanks
    2019ismyyear
    I saved all my spare change through the year last year, I know that was 2018, but I only got around to changing it up yesterday so instead of spending it in h&m like I would have done before I'm adding it to my Jan savings 40 not massive but better than nowt
    Will submit my update form when payday comes around and I can look at what there is.
    • John Blaze
    • By John Blaze 13th Jan 19, 12:26 PM
    • 22 Posts
    • 22 Thanks
    John Blaze
    cash is king
    • JingsMyBucket
    • By JingsMyBucket 13th Jan 19, 11:54 PM
    • 351 Posts
    • 3,875 Thanks
    JingsMyBucket
    Hey folks. I just did another account rounding and transferred $89.21 to my savings account. That brings me to $132.86.
    JAN 19 GC: 104.88/350.00 // 7/12 NSD
    Save 12K in 2019 - $132.86/$12,000 #123 (1.1% )
    • TubbyDown
    • By TubbyDown 14th Jan 19, 12:07 AM
    • 59 Posts
    • 45 Thanks
    TubbyDown
    Put me down for 4000, first time trying this challenge! Has anyone got any hints or tips?
    • cydney65
    • By cydney65 14th Jan 19, 9:51 AM
    • 811 Posts
    • 5,196 Thanks
    cydney65
    More tilly tidying. Another 3.53 gone to savings today.

    I keep looking at the amount in the savings account and go

    I have never saved so much over such a short space of time. It's kind of exciting. Just need to keep the momentum up.

    CydneyX
    TOTAL DEBT @ LBM : 17082.66 DEBT FREE 7/01/13 Save 12K in 2019 No. 63; Jan 759.61/5000 Penny a Day 108.50/667.95
    We all grow old, use your life, the world goes and flutters by
    • cydney65
    • By cydney65 14th Jan 19, 10:04 AM
    • 811 Posts
    • 5,196 Thanks
    cydney65
    Hi TubbyDown

    There are several discussions in the thread about strategies but the one I can recommend is tilly tidying. That is when you 'tidy' up the balance in your bank account and transfer it to savings. For example, I check my bank account online and find that I have 553.21. I will then either transfer the 3.21 or the 21p to savings. You will find that your savings really add up without you noticing.

    Hope this helps

    Cydney
    TOTAL DEBT @ LBM : 17082.66 DEBT FREE 7/01/13 Save 12K in 2019 No. 63; Jan 759.61/5000 Penny a Day 108.50/667.95
    We all grow old, use your life, the world goes and flutters by
    • cathybird
    • By cathybird 14th Jan 19, 10:21 AM
    • 3,469 Posts
    • 14,165 Thanks
    cathybird
    Hi TubbyDown

    There are several discussions in the thread about strategies but the one I can recommend is tilly tidying. That is when you 'tidy' up the balance in your bank account and transfer it to savings. For example, I check my bank account online and find that I have 553.21. I will then either transfer the 3.21 or the 21p to savings. You will find that your savings really add up without you noticing.

    Hope this helps

    Cydney
    Originally posted by cydney65

    I've decided to tilly tidy this year, on Wednesdays and Sundays, it's amazing how it adds up.
    15 in Save 12K: 0/12K. JNSDs: 6/8 YNSDs: 6/TF TT: 137.26
    Jan AFDs: 16/21. 2019 AFDs: 16/260. 2018: 303/260
    Mortgage 1/1/19: 31,950.00 30,900 Paid off: 1,050
    • ViktorOnopko
    • By ViktorOnopko 14th Jan 19, 1:41 PM
    • 104 Posts
    • 238 Thanks
    ViktorOnopko
    I think I'm going to open a Marcus account. Then I can shift my ~24k into it and pay myself from it each payday. Then my 123 current account will be for receiving wages/etc and paying for bills, food etc etc.

    This would allow me to pay myself, keep the 1.5% interest and limit my spending based on what's left over. Sound sensible?
    • selloptape
    • By selloptape 14th Jan 19, 3:26 PM
    • 552 Posts
    • 2,605 Thanks
    selloptape
    I think I'm going to open a Marcus account. Then I can shift my ~24k into it and pay myself from it each payday. Then my 123 current account will be for receiving wages/etc and paying for bills, food etc etc.

    This would allow me to pay myself, keep the 1.5% interest and limit my spending based on what's left over. Sound sensible?
    Originally posted by ViktorOnopko
    I've just made a similar change which has really helped. I found that keeping savings in with the current account just meant there was too much going on and I lost track of savings pots.
    GC Jan 132.19/278.61
    Save 12k in 2019 #8 180/1,5000
    MFiT T5 #22 Save 20k over 3 years
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