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Main site > Forums > Essential Money > Debt-Free Wannabe > Debt-free Wannabe Challenges > 3-6 Month Emergency Fund Challenge!!
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      DreamerHelen
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    • By DreamerHelen 20th Oct 15, 8:30 AM
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      What's this?

    DreamerHelen
    3-6 Month Emergency Fund Challenge!!
    • #1
    • 20th Oct 15, 8:30 AM
    3-6 Month Emergency Fund Challenge!! 20th Oct 15 at 8:30 AM
    Morning Everyone....


    I have been wondering for MONTHS now about what would happen if there was some kind of Emergency....I am self-employed and also starting a new Business which will also be on a self-employed basis....so I will never get holiday pay or sick pay....although I AM hoping to maybe get an employed Job but that would only be for a couple of days a Week so it won't cover me completely if something were to happen....


    My health is not wonderful at the moment, and hasn't been for a while, but I'm going to start trying to lose Weight once I've moved Flats (which I'm doing this Weekend!!).


    So the point of this Challenge is to save up at least 3 month's worth of wages....that can be a different amount for each person....and some people might want to save up to 6 months if they are feeling ambitious!!


    Me personally, I want to save 3 months worth of wages which for me will be £6000.


    Now, there is ABSOLUTELY NO TIME LIMIT on this Challenge...in fact I suspect it could take me Years to get to the point of having 3 months wages as Savings....For now I can only afford £5 per week but as my new Business builds up (hopefully!!) then I should be able to afford more.


    This Thread is mainly for us all to encourage each other to keep on Saving and to celebrate when we reach milestones, however large or small they may be.....Like for me, when I get to having £500 I will be ecstatic!!


    I also wanted to say that if at any time an emergency crops up and you need to use your Fund and then start again then please don't worry about doing that.....It's what the Emergency Fund is there for after all....


    I don't like having Savings in the Bank as I get too tempted to spend them so I'm going to invest in a Terramundi to put my Savings into at least at first......but other's may choose to use their Bank Accounts or a Tin from Poundworld...or stuff it under your Mattress!!


    Sooooo.....Here we go.....I'll add the names below as people Join....xXx




    CHALLENGERS
    1) DreamerHelen - GOAL: £6000 CURRENTLY: £0/£6000
    2) Dobbibill - GOAL ONE: £9000 CURRENTLY: £9000/£9000 - COMPLETE!!
    2) Dobbibill - GOAL TWO: £9000 CURRENTLY: £4641.93/£9000
    3) Patman99 - CURRENTLY: £631.65
    4) LittleMissDetermined - GOAL: £7129 CURRENTLY: £6050/£7129
    5) Sophieo16 - GOAL: £3000 CURRENTLY: £3000/£3000 - COMPLETE!!
    5) Sophieo16 - NEW GOAL: £4000 CURRENTLY: £2862.51/£5000
    6) Crv1963 - INITIAL GOAL: £7800 CURRENTLY: £10/£7800
    7) Mothernerd - INITIAL GOAL: £1000 CURRENTLY: £1000/£1000 COMPLETE!!
    8) Stewby - GOAL: £2000 CURRENTLY: £230.76/£2000
    9) stoplurking - GOAL: £4000 CURRENTLY: £2160/£4000
    10) crazy_cat_lady - GOAL: £6338 CURRENTLY: £346.92/£6338
    11) stormpassing - GOAL: £5400 CURRENTLY: £30/£5400
    12) carbootcrazy - GOAL: £5000 CURRENTLY: £3733/£5000
    13) Munchin - GOAL: £6000 CURRENTLY: £1300/£6000
    14) traveller - INITIAL GOAL: £1000
    15) Freysmum - GOAL: £8500 CURRENTLY: £8500/£8500 - COMPLETE!!
    16) The Only Girl - GOAL: £12,000 CURRENTLY: £9425.89/£12,000
    17) Southern-girl - GOAL: £5000 CURRENTLY: £437/£5000
    18) dubsteppenguin - GOAL: £5000 CURRENTLY: £250/£5000
    19) DuranGirl - GOAL: £6000 CURRENTLY: £5000/£6000
    20) WantToBeSE - GOAL: £5000 CURRENTLY: £1000/£5000
    21) black cat - GOAL: £6000 CURRENTLY: £6000/£6000 - COMPLETE!!
    22) lexbubbles - GOAL: £4600 CURRENTLY: £2158.63/£4600
    23) ani*fan - GOAL: £3000 CURRENTLY: £40.29/£3000
    24) Keeping Motivated - GOAL: £6000 CURRENTLY: £6000/£6000 - COMPLETE!!
    24) Keeping Motivated - NEW GOAL: £6000 CURRENTLY: £3790/£6000
    25) rylee12 - GOAL: £6000
    26) Rosylee - GOAL: £8850 CURRENTLY: £60/£8850
    27) BlackFrosting - GOAL: £2700 CURRENTLY: £69.37/£2700
    28) Westbeef - GOAL: £5000
    29) skye blue - GOAL: £3000 CURRENTLY: £1400/£3000
    30) MrsSave - GOAL: £5000 CURRENTLY: £1241.36/£5000
    31) crimson.addict - GOAL: £10,000 CURRENTLY: £350/£10,000
    32) linc1205 - GOAL: £20,000 CURRENTLY: £20/£20,000
    33) Brass_Triumphant - GOAL: £5000 CURRENTLY: £450/£5000
    34) Christa27 - GOAL: £3000
    35) Wishfullthinking2 - GOAL: £4500
    36) x_raphael_xx - GOAL: £5050 CURRENTLY: £1000/£4000
    36) x_raphael_xx - GOAL 2 (Mum's Money) CURRENTLY: £6.25/£2000
    37) moneymakestheworldgoround - GOAL: £3000
    38) georgiebrown0 - GOAL: £6000
    39) Sharon87 - GOAL: £1500 CURRENTLY: £330/£1500
    40) BabyBetty - GOAL: £5000 CURRENTLY: £276/£5000
    41) -Selene - GOAL: £5000 CURRENTLY: £691.69/£5000
    42) Thistlewhistle - GOAL: £5000 CURRENTLY: £2500/£5000
    43) abundant1972 - GOAL: £4500 CURRENTLY: £2275/£4500
    44) castlelough - GOAL: !!!8364;3000 CURRENTLY: !!!8364;86/!!!8364;3000
    45) MLAB - INITIAL GOAL: £450
    46) milasavesmoney - GOAL: $15000 CURRENTLY: $11,273/$15000
    47) WatWing - GOAL: £3900 CURRENTLY: £250/£3900
    48) happytails - GOAL: £8400
    49) Grandad's Offspring - GOAL: £5000 CURRENTLY: £80/£5000
    50) Smodlet - GOAL: £3000 CURRENTLY: £325/£3000
    51) JCUK - GOAL: £6000 CURRENTLY: £1250/£6000
    52) Mooloo - GOAL: £4000 CURRENTLY £600/£4000
    53) aphill24 - GOAL: £5000 CURRENTLY: £1100/£5000
    54) evo5819 - GOAL: £3000
    55) mum-to-many - GOAL: £3000 CURRENTLY: £306/£3000
    56) oh2bdebtfree - GOAL: £6000
    57) Keedie
    58) AnxiousHomemaker - INITIAL GOAL: £500 CURRENTLY: £15/£500
    59) PoorGuyNextDoor - GOAL: £5300
    60) angelicious - GOAL: £7200 CURRENTLY: £270/£7200
    61) misselvis - GOAL: £6000
    62) benten69 - GOAL: £10,750 CURRENTLY: £230/£10,750
    63) TopsyMum - GOAL: £1000
    64) Poor_Single_lady - GOAL: £5000 CURRENTLY: £80/£5000
    65) swimminginaseaofdebt - GOAL: £9000 CURRENTLY: £95.40/£9000
    66) Dragon Lily - GOAL: £3000 CURRENTLY: £1135/£3000
    67) FrugalinShropshire - GOAL: £7200
    68) Determined diva - GOAL: £2000 CURRENTLY: £1050/£2000
    69) muppets - GOAL: Euro 15,000 CURRENTLY: Euro 4700/15,000
    70) dfbefore30 - GOAL: £5000 CURRENTLY: £5000/£5000 - COMPLETE!!
    71) indigowarrior - GOAL: £6000
    72) angelpye - GOAL: £4200
    73) HoneyBee83 - GOAL: £1000 CURRENTLY: £1200/£1000
    74) wegle - GOAL: £6000 CURRENTLY: £548.23/£6000
    75) Hillwalker17 - GOAL: £6000 CURRENTLY: £1000/£6000
    76) Doglover - GOAL: £7500
    77) NewMeNewLife - GOAL: £5000 CURRENTLY: £300/£5000
    78) Bumblebear - GOAL: £5670
    79) lilyflower7 - GOAL: £3000 CURRENTLY: £519.23/£3000
    80) Dogbooks - GOAL: £9300 CURRENTLT: £950/£9300
    81) kazt2006 - GOAL: £10,000 CURRENTLY: £7900/£10,000
    82) Jellybeans&FF - GOAL: £9000 CURRENTLY: £20/£9000
    83) Moneybutterfly - GOAL: £1000 CURRENTLY: £270/£1000
    84) moneymanager - GOAL: £1500
    85) fruitloop04 - GOAL: £6000 CURRENTLY: £1000/£6000
    86) peedie - GOAL: £6000
    87) datlex - GOAL: £10,750 CURRENTLY: £10,750/£10,750 - COMPLETE!!
    88) Anoneemoose - MINI GOAL: £931 CURRENTLY: £300/£931
    89) SamSam17 - GOAL: £5000 CURRENTLY: £2627.58/£5000
    90) 166million - GOAL: £10,000 CURRENTLY: £637/£10,000
    91) A Random Man - GOAL: £4500
    92) Littlebigmoose - GOAL: £1000
    93) kimplus8
    94) claireg86 - GOAL: £6000 CURRENTLY: £605/£6000
    95) Cherbear82 - GOAL: £2000 CURRENTLY: £100/£2000
    96) mylastpound - GOAL: £3000
    97) moneyonmymindsam - GOAL: £4389 CURRENTLY: £1/£4389
    98) MelBell2015 - GOAL: £2100
    99) Charleyalmostking
    100) lindez - GOAL: £6000

    If you haven!!!8217;t already, join the forum to reply!
    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by DreamerHelen; 18-04-2018 at 9:35 PM.
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £0/£6000
    General £1000 Emergency Fund #13 £0/£1000
    Saving For Christmas 2018 £1 per day #13 £4/£750
    MSE Sealed Pot Challenge #089 - £276.70 Banked For 2017/2018 - Stars from SueUU x25

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Page 94
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      moneyonmymindsam
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    • By moneyonmymindsam 29th Mar 18, 12:08 AM
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      What's this?

    moneyonmymindsam
    Helen






    From all of us because probably no one else would put up with us

    Sam.... err #98 still on a quid Sam
    Last edited by moneyonmymindsam; 29-03-2018 at 12:09 AM. Reason: Am often idiot who does not type well :-)
    Emergency Fund Challenge

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    • By 166million 29th Mar 18, 11:19 AM
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      What's this?

    166million
    Hi Helen, glad to see you back, adding £2 from an old savings account £635
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018 No. 90: Emergency fund £637
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099

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    • By DreamerHelen 1st Apr 18, 8:33 PM
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      What's this?

    DreamerHelen
    Hey Everyone....Happy Easter!! I hope you all have eaten LOADS of chocolate today I had some Aero Bubbles....but I've been trying to behave of late and not doing a great job of it but at least I'm trying....Some might say very trying!!

    Nothing to Report moneywise from me....But I'll get there...

    Here's to the Updates... xXx

    skye blue - I've Updated the First Page....You're doing AWESOME...Keep going....Thank you for your words....I hope you're well hun xXx

    moneyonmymindsam - Thank you.....that made me smile....and don't worry you'll get there!! xXx

    166million - I've Updated the First Page...You're doing AMAZING....Just keep on going and moving forwards and you'll get there...thank you, it's good to be back and lovely to see everyone achieve their saving dreams... xXx
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £0/£6000
    General £1000 Emergency Fund #13 £0/£1000
    Saving For Christmas 2018 £1 per day #13 £4/£750
    MSE Sealed Pot Challenge #089 - £276.70 Banked For 2017/2018 - Stars from SueUU x25

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      LittleMissDetermined
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    • By LittleMissDetermined 3rd Apr 18, 1:44 PM
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      What's this?

    LittleMissDetermined
    Hi Helen, hope you are ok and had a good Easter break

    I have added more to the pot, taking me to £6050 in total please.

    LMD x
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1000/£1000 ... 3-6Mth Wages Challenge #4 £6050/£7129...

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    • By MelBell2015 3rd Apr 18, 1:49 PM
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      What's this?

    MelBell2015
    Hello,

    Can I join the challenge please? I'll start with 3 months of expenses which is £2100.

    Thank you :-)
    MelBell
    2018 GOAL - PAY OFF ALL DEBT AND HAVE SAVINGS
    PAYDBX2018 #103 £705.72/£8032.46
    £1000 EF Challenge #277 £0/£1000
    3-6 month EF Challenge #98 £0/2100

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    • By LittleMissDetermined 3rd Apr 18, 5:38 PM
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      What's this?

    LittleMissDetermined
    Welcome MelBell - Helen needs to allocate you a number and I am sure she will be along soon to add your target to the first page.

    In the meantime, just add to your pot when you can and keep us posted on here!



    LMD x
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1000/£1000 ... 3-6Mth Wages Challenge #4 £6050/£7129...

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    • By MelBell2015 4th Apr 18, 10:13 AM
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      What's this?

    MelBell2015
    “
    Welcome MelBell - Helen needs to allocate you a number and I am sure she will be along soon to add your target to the first page.

    In the meantime, just add to your pot when you can and keep us posted on here!



    LMD x
    Originally posted by LittleMissDetermined ”
    Thank you LMD
    I think I'm going to set up a regular saver account as seems to have the best interest rate! Annoyingly I need to go into the branch to sort but my plan is £50 per month to get me started!
    2018 GOAL - PAY OFF ALL DEBT AND HAVE SAVINGS
    PAYDBX2018 #103 £705.72/£8032.46
    £1000 EF Challenge #277 £0/£1000
    3-6 month EF Challenge #98 £0/2100

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    • By xironsongx 8th Apr 18, 3:16 AM
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      What's this?

    xironsongx
    Not saving for wedding anymore.
    I brought a laptop with the savings under the OK of the hubs to be.

    It just isn't the right time yet as we have so much going on that it's easier to start saving when we both are able to. He's learning how to drive and soon will be taking his test so he'll be wanting to buy a car and insurance etc after he does pass.

    I'm using the left over money to create a starter emergency fund first - see how long it takes. £414.69 in for now.
    Engaged 01-09-17 Wedding £519.78 (BA) £80.22 (Sp) / £5,600 £5,000 left to save

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    • By 166million 8th Apr 18, 3:47 PM
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      What's this?

    166million
    Go on another £2
    637
    Slow but still going
    **Debt Free as of 15:55 on Friday 23rd March 2012**And I am staying that way
    377 166million Sealed Pot Challenge 2018 No. 90: Emergency fund £637
    My debt free diary http://http://forums.moneysavingexpert.com/showthread.php?t=3630099

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    • By xironsongx 8th Apr 18, 7:54 PM
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      What's this?

    xironsongx
    i'm pulling out of this. Weddings more important.
    Engaged 01-09-17 Wedding £519.78 (BA) £80.22 (Sp) / £5,600 £5,000 left to save

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    • By skye blue 9th Apr 18, 7:24 PM
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      What's this?

    skye blue
    hi

    Are we all ok, u doing better this week helen

    Please add £50 - had a few good survey payouts and cashed in some £2 coins (safer to bank so i don't dip in).

    Still waiting for my £50 from Yougov to drop into my bank. I know it takes ages (only the 2nd time ive ever achieved it) but its a lovely amount - when it arrives!!!

    Keep going everyone

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    • By DreamerHelen 15th Apr 18, 6:31 AM
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      What's this?

    DreamerHelen
    Morning Everyone...

    I'm not sure if I said but I've been doing a Course for the past 6 months....I'm a Psychotherapist but haven't been getting as many Private Clients as I would like and so I've been adding to my Training and this Training Course could continue for another 18 months to 2 years....but hopefully at the end of it I might be able to get a part-time Employed Job rather than relying on Private Clients...

    So yesterday was the end of the first Course....And it was time for the exam....and that has been stressing me out for a good few weeks....Lots of exam anxiety....plus I've had to finish a fair amount of written work for the Course too...So this means I had to abandon most of my paid Work in order to do that...and unfortunately that means I needed my Emergency Fund to cover me....

    I'm disappointed but at least I had the money there and I didn't have to borrow any money or take a loan out or anything like that...so I'm grateful for that....

    So, starting again...hopefully I can begin my Emergency Fund again this coming Week when I get paid....Even if it's just a Fiver...Also going back onto my Diet this morning...So feeling positive so far this morning

    Thank you everyone for your continued support and for keeping this Thread going when I haven't been able to come on....It's a real pleasure to see how friendly and helpful this Thread is...

    And here's to the Updates... xXx

    LittleMissDetermined - I've Updated the First Page...You are doing so INCREDIBLY well....I'm so pleased for you. I'm doing okay this morning...it's been a stressful few weeks and few months if I'm honest but hopefully things will turn around over the next few Weeks....Hope you are well too xXx

    MelBell2015 - WELCOME WELCOME WELCOME, it's an absolute pleasure to have you here....I've added you to the Members List on the First Page....do let us know how you get on.... xXx

    xironsongx - I'm so sorry to hear that you're leaving us, do feel free to come back and rejoin when you feel able to...you'll always be welcome here... xXx

    166million - I've Updated the First Page...You're doing AWESOME....Keep it going hun xXx

    skye blue - I've Updated the First Page....You are doing BRILLIANTLY....I know you've fought your way here and look how well you're doing....You can do this!! I'm doing okay...better now that my exam is over and done with....I really hope you're doing well too xXx
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £0/£6000
    General £1000 Emergency Fund #13 £0/£1000
    Saving For Christmas 2018 £1 per day #13 £4/£750
    MSE Sealed Pot Challenge #089 - £276.70 Banked For 2017/2018 - Stars from SueUU x25

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    • By muppets 15th Apr 18, 10:49 AM
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      What's this?

    muppets
    Stopping by with a quick update

    69) muppets 4700 / 15,000
    PAYDBX 2017 - #01 Pd £10,446.83 / £11,000 - 94.97%
    SPC10 #93     MFiT-T4 #9
    3-6 mth EF #69     €4,300 / 15,000 Wombles #24 = 540.20
    Mortgage - PD 86,136.83/ 271,495.07 31.72% MF Aug 2038 Sept 2035
    My long slow journey to mortgage freedom
    My diary - Making a move on debt

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    • By carbootcrazy 15th Apr 18, 11:25 AM
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      What's this?

    carbootcrazy
    Good for you, Helen, taking the time and effort to increase your skills. Must have been hard but it will stand you in good stead for your future. You didn't say whether you'd already had your exam result but here's to a great one anyway. I know you'll be doing your utmost to replenish your EF too


    I'm sorry I haven't been around for ages, lots of RL stuff has got in the way. Excuses, excuses eh?. At least I haven't been using any of my EF to cope with any emergencies that arose but it meant I had to spend the money I had hoped to add to my savings instead.


    My aim (totally crazy or what?) is to be debt free by the very end of this year and I'm doing everything I can to be extra frugal and save every last penny towards that wonderful day that I never thought would come. Still a way to go but I'll get there in the end. All I need now is for my ancient car to behave itself, not let me down and get through its MOT in July without costing too much. So far so good but we never know what's in store for us do we?


    Wishing all you lovely people success with your saving. Once my debts are gone I'll be saving with a vengeance. knowing all the money I manage to put aside is all mine
    Last edited by carbootcrazy; 16-04-2018 at 12:30 AM.
    Make £10 A Day Challenge 2018: Jan-Mar: £475.38+. Apr: £81.45


    Original Debt: £56804 (@ LBM 02/13). Now: £10005    . Getting there.

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    • By Charleyalmostking 15th Apr 18, 4:22 PM
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      What's this?

    Charleyalmostking
    I'd like to join please.
    But I'm still building up my first £1,000 .

    I will be putting all my savings towards that then once i've made that
    i'll be slowing down to save for my wedding (Which is only £2,500 as wme&my FH are splitting costs)
    already got the wedding dress sorted though.


    I have £184.58 saved towards it
    D R E A M E R £1KProject | £8.69 / £2,000 | Wedding £102.90 / £3,000 | House Deposit: £102.89 |
    Emergency fund: £102.89 / £1,000

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    • By Anoneemoose 15th Apr 18, 8:38 PM
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      What's this?

    Anoneemoose
    Hi everyone!

    I’ve been awol for a while. Not for any particular reason but have had Easter holidays and we all had the lurgy at one point.

    I’m doing a bit pants with money...I seem to boredom spend because I haven’t got a great deal to do. Has anyone any tips to curb that?

    I have, however, got my mini goal up to £300 so that’s good, but probably not as good as it could be if I/we didn’t spend money like it was going out of fashion!

    I’m going to have a proper read through the last few pages from where I last dipped in. But in the meantime, I hope everyone is well. And positive vibes/virtual hugs to anyone who needs them.x

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    • By lindez 16th Apr 18, 2:17 PM
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      What's this?

    lindez
    Hi can I join in please my aim is £6000 aiming high but will be slow getting there hope this is ok thank you

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    • By skye blue 17th Apr 18, 7:59 PM
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      What's this?

    skye blue
    Hi everyone

    U doing ok this week helen

    Ive received my £50 cash out from Yougov and banked it today (takes a long time but still happy with it)

    Have a good week all

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      DreamerHelen
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    • By DreamerHelen 18th Apr 18, 9:43 PM
    • 2,555 Posts
    • 13,669 Thanks

      What's this?

    DreamerHelen
    Evening All

    How are you all doing? It's been a glorious day weather-wise....And that has made me feel really great....

    I'm doing much better this Week...I think my life is mostly up and down....perhaps that is the way for everyone...I'm not sure...but this Week seems to be an "Up" week...

    I'm starting my Emergency Fund with a Fiver tomorrow....So I'll do my best to keep that going....and start building it back up...

    Here's the Updates.. xXx

    muppets - I've Updated the First Page...You're doing INCREDIBLE!! Keep on moving forwards... xXx

    carbootcrazy - Thank you for your lovely compassionate words....I haven't gotten the results yet, probably not for another 6 weeks...but I'm keeping my fingers crossed....You're doing great so don't be so hard on yourself....You'll get there...we all will xXx

    Charleyalmostking - WELCOME WELCOME WELCOME to our lovely friendly group....It's amazing to have you here....I'm unclear what you want to have as your Target....do let me know, it can be a smaller Target to start with if you want to build up slowly... xXx

    Anoneemoose - It's good to see you back...I've Updated the First Page...You're doing AWESOME!! xXx

    lindez - WELCOME WELCOME WELCOME...it's great to have you here....I've added you to the First Page....Do come and let us know how you're getting on.... xXx

    skye blue - Hey Sweetie, I'm doing okay....like I said above it is very up and down for me....but I'm getting there day by day....I wasn't sure whether you wanted me to add the £50 to your Total or not...can you let me know hun? I hope you're doing well xXx
    Committed To Paying Off My Debts AND Saving
    3-6 Month Emergency Fund #1 £0/£6000
    General £1000 Emergency Fund #13 £0/£1000
    Saving For Christmas 2018 £1 per day #13 £4/£750
    MSE Sealed Pot Challenge #089 - £276.70 Banked For 2017/2018 - Stars from SueUU x25

    Sorry!

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    • User avatar
      User avatar
      Dobbibill
      • 2,915Posts
      • 3,903Thanks
    • Dobbibill
    • By Dobbibill 20th Apr 18, 7:55 PM
    • 2,915 Posts
    • 3,903 Thanks

      What's this?

    Dobbibill
    Hi everyone,

    I hope everyone is well.

    A small update from me new total £4804.49 aka 53.38%.

    Slowly does it

    keep on keeping on

    Dobbi
    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.

    Sorry!

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