Hope this helps someone

Gerradene

Completely agree about online banking, i use egg money manager so i can see all my accounts and balances on one screen - although it did scare me the first time i saw my total debt! i use my spending diary to note down when direct debits are due etc.

I also love to use the snowball calculator after i have over paid - just to see if my DFD is any closer!

SuiDreams

I love Internet Banking i check it every day. It sounds daft but I also like to check my spending against the previous month as well, and aim to spend less than the previous month, when ever possible.

taplady

craigp wrote:

Have to agree with the internet banking it's made life so much easier for looking after my finances.

Some good advice there Shawn :T

Couyldn't agree more craigp !;) its brilliant when you're on a tight budget to be able to keep track of everything!

Slayerx

Thanks for all the positive feedback

I thought I would also mention I have turned to EBay started to sell things around the 21st of march and every time I hit £50 in my pay pal account I also transfer that to my bank account.

Now I've only been selling Dvds as I had close to 200 ! I don't watch them so I thought why not sell them to earn a little extra. As it stands I have sold about 18 and made just over £77 which isn't bad considering the short amount of time I've been selling them.So if your like I use to be and purchase things on impulse like the 5 Dvds for £30 etc you may be best selling the ones you no longer want to keep and as we say at MSE every penny counts

climbgirl

Slayerx wrote:

Hadn't thought of it like that, would it be worth it as the overpayment is only around £25-£30 extra a month, I do have an ISA I could possibly use instead.

You're not going to make millions, that's true! We're talking pennies, or maybe a few pounds here. But it's pennies in your pocket, not theirs so it's worth doing. If you've already got the ISA then there's no hassle either.

Just divert you overpayments into the ISA until the 0% ends, then put it all on the card (including the couple of quid interest you will have made!).

It's your call of course, it's not going to make a drastic difference, it's true. But I think it's still worth doing, it's not much hassle, you're gaining financially (every so slightly!) and it gets you in the habit of thinking about the most financially savvy way of doing things.

Slayerx

Thanks Im going to start doing it next month as this months payment has gone, I'll transfer it into my ISA