What's the *smallest* OP you've made?

cake21

Just curious how many other people make tiny overpayments like me

(you can pick more than one option, for those who use both methods)

financialbliss

I made an online payment of £1.09 to round a year end mortgage balance of £59,501.09 to £59,500.00.

Not sure if I'm sad for making the £1.09 or sad for knowing without having to check that it was £1.09.

Financial Bliss.

LilacPixie

my regular payment is 404.56 and I round it up to 410 every month so 404.56 leaves the bank DD and I pay 5.44 with my debit card via their payment helpline monthly. At the end of the month I then OP a little more most months but sometimes not.

Lady1981

My smallest has been approx £400 because that's the smallest amount our lender (Abbey) has said we can pay. If we were allowed I would be OPing every day with little amounts, so addictive I need a daily fix!!

Lady xx

cake21

financialbliss wrote: »

knowing without having to check that it was £1.09.

Wow. I don't know whether to :beer: or :eek:

Your username is truly appropriate

cake21

Lady1981 wrote: »

My smallest has been approx £400 because that's the smallest amount our lender (Abbey) has said we can pay. If we were allowed I would be OPing every day with little amounts, so addictive I need a daily fix!!

Lady xx

That's definitely an :eek:
Do you make little "OP"s to a designated savings account instead? I'm doing that at the moment as I can't OP any more until January - hence desperately needing a fix and starting silly threads on here

Joe_Bloggs

I would overpay to get the cheapest interesting number on my monthly payment. Running digits ie £567.89 or £679.01 perhaps alternating digits like 797.97. I am on a tracker that went up to 6% so I had to get my overpayment kicks one way or another.
J_B.

MarieAAP

I have to admit, during the first few years after uni, mine was a regular DD of £50, so I think thats the lowest. Although it has varied between £100-£150 of OP.

When I came out of my fixed term, I chose to go for the slightly higher interest rate, but it would allow me to pay more than the 10% a year! Otherwise it would have certainly capped what I could have overpaid, especially as its under £4k now :P

M

dzug1

I used to round the standing order up to a whole number of ££, more for convenience than anything.

taka

Well... you know the answer ... 29p! :rotfl: Well if Nationwide lets me transfer less than a £1 and I have less than a £1 to transfer in... why not! I'm currently OPing 50% of money raised from found money/ vouchers/ interest/ £2 coins etc I get. I think the 29p (50% of the cost) was from buying biscuits in Tesc0 - paid for by a giftcard I got from a survey site so the matching grocery money got transfered. :rotfl:

As a certain supermarket says... every little helps. Even if I only OP £5 a month that pays off my mortgage 5 months earlier! :j

phizzimum

sometimes I like to round the balance down - but I do all our overpayments online - don't think I would have the courage to go into the branch and do it!