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  • FIRST POST
    • patman99
    • By patman99 3rd Oct 14, 10:35 PM
    • 8,222Posts
    • 9,696Thanks
    patman99
    The £1,000 emergency fund challenge.
    • #1
    • 3rd Oct 14, 10:35 PM
    The £1,000 emergency fund challenge. 3rd Oct 14 at 10:35 PM
    For the idea for this after listerning to the 'Dave Ramsey Show'.

    The idea is to accumulate an emergency fund of £1,000 sitting in a Bank account just in case of emergencies.

    You must not leave yourself short in order to reach your goal.

    Members-
    #1 Patman99 .................................................. ..#2 Hummingbird
    #3 GaLa15 .................................................. .....#4 Trixxxibella
    #5 Making_The_Best_of_it ............................#6 Dolly Rocker
    #7 Nintud .................................................. ......#8 Speakingofart
    #9 Calling14 .................................................. .#10 Aloofdragon
    #11 Eyebright .................................................. #12 Chrisfreelander54
    #13 DreamerHelen ........................................#14 mobo1980
    #15 sunshinegirl66 .........................................#16 MrsSave
    #17 rosieben .................................................# 18 peony40
    #19 Buffythedebtslayer .................................#20 October Starter
    #21 monz .................................................. .....#22 georgiebrown0
    #23 Jubilee76 ................................................#2 4 Debt Free Desires
    #25 abundant1972 ..........................................#26 Toomuchtodo
    #27 I-need-to-be-debtfree ............................#28 WantToBeSe
    #29 Bobarella ................................................#3 0 Muser1
    #31 twiggy86 ................................................#3 2 laurababs
    #33 Roundthebend .......................................#34 Kermit2601
    #35 StressedSteph ........................................#36 YoungBusinessman
    #37 redlaces .................................................# 38 stiltoncheese
    #39 Magsnoodle ...........................................#40 MessyBetty
    #41 ruby_eskimo ..........................................#42 IrishRose12
    #43 carbootcrazy ..........................................#44 Simply_Saving
    #45 Dobbibill ...............................................#46 grassgirl
    #47 Ms.Dita .................................................# 48 On my way
    #49 CountingPennies ................................#50 Tilly MFW in 6 YRS
    #51 Hoipolloi ...............................................#52 pozza_73
    #53 newroadahead .......................................#54 Pinksteps
    #55 kdalwayskint ........................................#56 So Very Confused
    #57 marleyboy .............................................#58 bmma
    #59 Vkz .................................................. ......#60 Ep007
    #61 sophieo16 ...............................................#62 tinks112
    #63 Stereochild .............................................#64 Laurag89
    #65 Nicki_Sue ...............................................#66 Inthedoghouse
    #67 Depth of field .........................................#68 happybunny86
    #69 R2B .................................................. ......#70 Toomuchdebt
    #71 Mbizi .................................................. ...#72 littleangels3
    #73 dida80 .................................................. .#74 Harleyquinn
    #75 BabyBetty ..............................................#76 Sallybunny
    #77 Meezel ...............................................#78 rising from the ashes
    #79 newpennypincher ................................#80 damondash
    #81 Jonesy88 ..............................................#82 clumsychaos
    #83 MrCrimeFiction ...................................#84 MrsR68
    #85 29Found ..............................................#86 Kelxx
    #87 January2015 ........................................#88 Jacko_amz
    #89 Kayalana99 ..........................................#90 Andyfromotley
    #91 Jon81 .................................................. ..#92 astrid35
    #93 LullaBelle .............................................#94 BuildingBricksOfGold
    #95 Hadalbm ...............................................#96 Meatloaf1981
    #97 Daisychain1 ........................................#98 bestfootforward
    #99 *DramaQueen* ...................................#100 eveie189
    #101 Casper123 ..........................................#102 Lazer-zxr
    #103 DeafLeopard ......................................#104 nicing
    #105 joee .................................................. ..#106 Mrs Toast
    #107 RaspberryJiuce .................................#108 takingcontrolatlast
    #109 parsniphead .......................................#110 NoLifeWithoutYou
    #111 PollyPrissypants ................................#112 amber03
    #113 teeni .................................................. .#114 bogbrsh250
    #115 thegreenone .......................................#116 inamin
    #117 Hope78 ..............................................#118 Bored
    #119 King_Slayer .......................................#120 BettyBoof
    #121 Cat Girl ..............................................#122 Triangle
    #123 nannygladys ......................................#124 myamyamoo
    #125 nows the time ....................................#126 milky1991
    #127 Lina T ................................................#1 28 sugar123
    #129 evo5819 .............................................#130 *snow*white*
    #131 Digging ..............................................#132 belleandthebudget
    #133 Aphidgirl ............................................#134 Grabs39
    #135 Tinkerbelle2000 ................................#136 cybertortoise
    #137 Blue_Bird .........................................#138 Snorkypants
    #139 B17c .................................................# 140 lincs1205
    #141 stormpassing .................................#142 LittleMissDetermined
    #143 The Only Girl .....................................#144 nellis10
    #145 Swash .................................................# 146 Justforme
    #147 crv1963 ...............................................#14 8 mossy
    #149 Ellieseleven ........................................#150 bilbodreams
    #151 Claire1a ..............................................#152 mrs motivated
    #153 fairyclicks ..........................................#154 12 month challenge
    #155 chasingdreams ...................................#156 lexbubbles
    #157 Moonbean ......................#158 MadCoderWhatCodesAtMidnig
    #159 rylee12 ...............................................#16 0 JHiggins91
    #161 Dandytf ..............................................#162 5erge
    #163 nextyeartina ........................................#164 sarahm0rris
    #165 NeedToBeDebtFree ............................#166 moneytree1
    #167 strandedinaber .....................................#168 Heartland
    #169 Cutcostsandsave ..................................#170 Kim_13
    #171 PinkWhisk ..........................................#172 debbie_debt
    #173 Jo3y83 .......................................#174 Havecourageandbekind
    #175 Effyb4 .................................................# 176 Monks
    #177 doingitanyway ....................................#178 lcc86
    #179 Positivelypunked ...............................#180 evuka
    #181 BelleBelles19 ..................................#182 little library lady
    #183 Anna-marie3363 ............................#184 Meezel
    #185 LABMUM ........................................ #186 -Selene
    #187 PositiveBalance ..............................#188 Grandad's Offspring
    #189 Kimplus8 ........................................#190 Hanliam
    #191 Chazz.Collins .................................#192 TrushTush
    #193 swimminginaseaofdebt .....................#194 BlackFrosting
    #195 evo5819 ...........................................#196 Hermionesaver
    #197 cheesedoffwithdebt ........................#198 PennyJar
    #199 Julie67 ...............................................#20 0 Angelicious
    #201 Pinkwhisk .....................................#202 tibbles209
    #203 Lauralozzle ..................................#204 ButterflyBee
    #205 Smolly .........................................#206 Dobs
    #207 Treasurequeen ..............................#208 ab_saver
    #209 BeTheChange ..............................#210 Anita55
    #211 primalmother ................................#212 Kawaii corgi
    #213 Thora ...........................................#214 PoorGuyNextDoor
    #215 2sonmum ....................................#216 theresamum2
    #217 luvabargain ................................#218 missy83
    #219 willkeepontrying ......................#220 mumto2girlsandaboy
    #221 Bluelala ........................................#222 LianneH
    #223 Treasurequeen ..............................#224 Whoknowskt89
    #225 Foxyloxy11 .................................#226 Bird.Heart.Mouse
    #227 Stb ...............................................#22 8 Macey1510
    #229 Dreamtruce ..............................#230 IndigoWarrior
    #231 ploppy57 ....................................#232 Claremylove
    #233 foxyloxy11 ...................................#234 Muser1
    #235 XSpender .....................................#236 PlaysNicely
    #237 DancingUnicorn ..............................#238 thoragunnr
    #239 Jessop64 .........................................#240 quintwins
    #241 Mummy_bear .................................#242 BachFlower
    #243 mixmir ...........................................#244 Moneybutterfly
    #245 catralense ......................................#246 Narola1976
    #247 Farmeress ......................................#248 Billy12345
    #249. Cozicup ...........................................#250 SamSam17
    #251 ej22 ................................................#2 52 Nicnak
    #253. Florence J .......,............................#254 Arrietty
    #255 IrisViolet ........................................#256 lcc86
    #257 Adventureofmemories ..................#258 Missymae0
    #259 Moneyx3 ...........................................#260 itslulu
    #261 lheart ................................................#2 62 MeenaM
    #263 Bublin1 ..............................................#264 flying mamma
    #265 ani*fan ..............................................#266 jaxsmar
    #267 haybel19 ..............................................#268 Pickle_99_uk
    #269 HLB10 ..............................................#270 Littlebigmoose
    #271 xironsongx .......................................#272 Stayathomemum36
    #273 Debtfreeby2020 ...............................#274 Debtfreewannabme
    #275 Starmummy .....................................#276 Mydmp
    #277 MelBell2015 .....................................#278 Sweetcake
    #279 NeverendingDMP ...........................#280 mavvysmum
    #281 Flutterby29 ......................................#282Stayatho memum36
    #283 Vykren


    This list is correct as of 19/1/17.
    Last edited by patman99; 10-01-2019 at 1:57 PM. Reason: List got 'lost'.
    Never Knowingly Understood.

    Member #1 of £1,000 challenge - £1000/ £1000 (that's 100%)

    3-6 month EF £631.65/£3600 (that's 10 days worth)

    Do you/your spouse earn less than £197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
Page 149
    • seahorsey
    • By seahorsey 26th Dec 18, 8:02 AM
    • 60 Posts
    • 162 Thanks
    seahorsey
    Just moved £20 eBay sales into my emergency fund account to kick things off £20/£1000
    • amber03
    • By amber03 1st Jan 19, 9:54 PM
    • 835 Posts
    • 5,111 Thanks
    amber03
    Well No 112 sneaking back in, my total is £350, got to do some serious saving the next couple of months. Got so near last year before things went a bit pearshaped. Xx
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £572.00
    • StressedSteph
    • By StressedSteph 2nd Jan 19, 7:17 PM
    • 2,825 Posts
    • 10,969 Thanks
    StressedSteph
    #35 creeping back into the room with her tail between her legs

    No clue how far i got when i first signed up for this but I most definitely do not have 1k in savings anywhere so I am going to try this again.

    Desperately need this 1K buffer in my life. I am fed up with being floored by basic life hiccups.

    Recently had a flat tyre and a blocked Septic tank. Both have thrown me into a panic its January and I have no money spare for either of these things

    Good luck all xx
    Very £262 / Bank of Scot - £1360 /
    Lloyds cc - £2529 / Barclay cc £2844 / MBNA £5546
    January 2019 = £12541
    1p per day / 365 days
    1K Emergency Fund Challenge
    • grassgirl
    • By grassgirl 2nd Jan 19, 10:12 PM
    • 349 Posts
    • 1,801 Thanks
    grassgirl
    #46 also creeping back, a big debt to cover but will be adding to this when I’m back on my feet and off the sick bed xx
    [Upgrade in process...]
    #46 £1000 emergency fund 0/1000 1 debt vs 100 days 652/10,000
    #16 1% challenge (2%). eBay challenge 10/140
    • jaxsmar
    • By jaxsmar 3rd Jan 19, 4:26 PM
    • 389 Posts
    • 1,569 Thanks
    jaxsmar
    Thanks #266 well last year I reached 500 pound. But now it's back down to zero.. So onwards and upwards...
    Penny wise pound foolish #266 emergency fund £0/£1000.
    • James1968
    • By James1968 6th Jan 19, 10:05 PM
    • 105 Posts
    • 44 Thanks
    James1968
    Hi all. Patman99 here under his 2nd account. Must admit that my ef is back down below £100.

    This is due to losing a job at the end of October and not starting new one until a week before Christmas.

    My new job is long term temporary but pays very well.

    Not had a good end to the year either, as we lost my mum on NYE after a long battle with COPD.
    Am now living in mum's house to look after the dog whilst me and my brother sort out the funeral. Am having both the house and my flat valued in order to see if it is financially viable to buy out his share of the house. My spouse has her jointly inherited house to sell once her brother is released in June.

    Meanwhile, life trundles on regardless.
    • jaxsmar
    • By jaxsmar 7th Jan 19, 4:58 PM
    • 389 Posts
    • 1,569 Thanks
    jaxsmar
    Hi all. Patman99 here under his 2nd account. Must admit that my ef is back down below £100.

    This is due to losing a job at the end of October and not starting new one until a week before Christmas.

    My new job is long term temporary but pays very well.

    Not had a good end to the year either, as we lost my mum on NYE after a long battle with COPD.
    Am now living in mum's house to look after the dog whilst me and my brother sort out the funeral. Am having both the house and my flat valued in order to see if it is financially viable to buy out his share of the house. My spouse has her jointly inherited house to sell once her brother is released in June.

    Meanwhile, life trundles on regardless.
    Originally posted by James1968
    Sorry to hear how tough it's been for you. My dad passed of copd sorry for your loss, I hope things improve and you like the new job.
    Penny wise pound foolish #266 emergency fund £0/£1000.
    • Dobbibill
    • By Dobbibill 7th Jan 19, 5:47 PM
    • 3,503 Posts
    • 4,581 Thanks
    Dobbibill
    Sorry to hear about your loss Patman99 - thoughts with you and your family.
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.


    It's not about being the best -
    It's about being better than you were yesterday.
    • Vykren
    • By Vykren 8th Jan 19, 10:13 PM
    • 4 Posts
    • 7 Thanks
    Vykren
    Could I join in on this please, a fan of both ML and DR so sounds like a fun way to win!
    • patman99
    • By patman99 10th Jan 19, 1:58 PM
    • 8,222 Posts
    • 9,696 Thanks
    patman99
    Welcome to member #282, Vykren.


    Thank you for your messages. They are most appreciatted,
    Never Knowingly Understood.

    Member #1 of £1,000 challenge - £1000/ £1000 (that's 100%)

    3-6 month EF £631.65/£3600 (that's 10 days worth)

    Do you/your spouse earn less than £197 p/w ?. Fill-in Form R85 and get your Bank interest Tax free.
    • amber03
    • By amber03 11th Jan 19, 9:32 PM
    • 835 Posts
    • 5,111 Thanks
    amber03
    No. 112 updating, managed to ave a good month saving and emptied my sealed tin. Just transferred the money to my E/F which is now standing at £572.00.
    Debtfree and and staying that way.
    £1000 Emergency fund No.112 £572.00
    • Ladykernow
    • By Ladykernow 12th Jan 19, 6:42 PM
    • 270 Posts
    • 1,111 Thanks
    Ladykernow
    I'm joining in with this too. Currently on 185/1000
    • Vykren
    • By Vykren 13th Jan 19, 12:14 PM
    • 4 Posts
    • 7 Thanks
    Vykren
    Thanks Patman! Well #282 Starting up with £10 into the EF. Small starts but hopefully it picks up!
    £10 / £1K Emergency Fund
    £0 £2 Savers club
    £108/£3000 Debt paid off
    • MummyRivett
    • By MummyRivett 15th Jan 19, 11:11 PM
    • 348 Posts
    • 3,663 Thanks
    MummyRivett
    I need to build up my EF after DH had to use it for a repair on the van. I would like to join if I may, I’m currently £350 on my way but having a no spend Quarter, so should be at £1,000 by the end of January. I would like to continue to 6 month EF, but can’t find a thread for it.
    Know Yourself, Love Yourself, Be Yourself
    Emergency Fund £350 / £12,000
    • Dobbibill
    • By Dobbibill 16th Jan 19, 6:11 AM
    • 3,503 Posts
    • 4,581 Thanks
    Dobbibill
    I would like to continue to 6 month EF, but canít find a thread for it.
    Originally posted by MummyRivett

    Is this the one you mean?
    https://forums.moneysavingexpert.com/showthread.php?t=5942647
    I'm a Board Guide on the Energy, Student Money Saving, UK Armed Forces and
    Local Money Saving - Wales boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.


    It's not about being the best -
    It's about being better than you were yesterday.
    • MummyRivett
    • By MummyRivett 16th Jan 19, 11:17 AM
    • 348 Posts
    • 3,663 Thanks
    MummyRivett
    Thank you so much, I was searching on my ipad last night and couldn't find anything. That is fantastic, I'm very grateful.
    Know Yourself, Love Yourself, Be Yourself
    Emergency Fund £350 / £12,000
    • MrsMouse
    • By MrsMouse 16th Jan 19, 4:34 PM
    • 1 Posts
    • 0 Thanks
    MrsMouse
    Good afternoon, new to the forum and would like to join in this challenge. Been trying to get this done over a period of a few years, and always end up either raiding or stalling the pot!
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