The journey starts here - don't stop believing

**Kat**_2

Happy days LT! I can't wait to pay in the pennies, will start next week as I have work tonight and as I'm going to Thomasland with mum and my DS Sat (but travelling up tomorrow straight from work) I won't have time to bag them until then.

Wonder what they will say if I state I want to pay the pennies directly off the loan...... time will tell. Does anyone else think it's silly I can't overpay online? I can see the loan account online - maybe it's vicious lies, will check it out myself.

Well, today is my only job 2 shift this week - I have the weekend off to go away (money for spends budgeted and in cash). Sunday I will be CLEANING! My house looks like several bombs have gone off, all of which containing crumbs gathered by a certain 3 year old....

I watched superscrimpers last night, was more of a general tips episode, some of it was great and really useful, some not so much. Think I will try the window cleaner rather than screenwash trick as it will save a lot of money in the longrun - my car goes through screenwash at a higher rate than petrol!

No payments to report for today - will have to have a think about how to get into some good habits in order to chuck more money at stuff - I have a lot of good intentions but none seem to last, smoking for one, taking my own lunch to work for two.

Woowoo

clippy_girl wrote: »

i hate their stupid rules with the coin bags! :mad: i have 4 money boxes i only count once or twice a year (my dream is to actually fill one...i know i am sad!). needless to say i always have 20+ bags. unless you only save one or two types of coin cant see many people only having that amount of bags!

natwest told me they dont have a limit so i can pay as many as i want in. they told me one of the local branches has a machine you can just tip it into and it counts and sorts and puts in your account. i wouldnt like that as i enjoy tipping them all out and putting in little bags (again...i am sad!). not opened mine since nov so hoping to last til this nov. i am only saving for xmas so dont really need to open before then!

I like this, I am also sad when it comes to this sort of thing

Woowoo

Morning Kat

I remember someone else on here having an issue with overpaying their loan on line (think perhaps it was Bec's).

Jules28

Hi Kat,

Just popping on to say I have been reading your diary and really enjoying it, you are doing so well!

I have subscribed so look forward to more posts.

Jules

Woowoo

Hi Jules

Just checked out your signature, your doing well Just being really nosey now sorry, does that include your mortgage? Tell me to mind my own business if you like!

**Kat**_2

Thanks for subscribing Jules

Mr T paid for my lunch today as had a £3 voucher - no point using it for weekly shop as Asda still cheaper nowadays. I have tried and failed to bring in my own lunch so many times - for those of you who do it, what do you take to keep it interesting and easy enough I can make it after job 2 at midnight for the next day?

Woowoo

I live off cheese and pickle sandwiches for lunch, they really don't come under the interesting category!

**Kat**_2

I think I need to have a good sit down and work out costs etc - if I can show "profit projection" and show how this will clear a debt x months quicker, it will give me the motivation to do it.

clippy_girl

i batch cook homemade soup at the weekends and freeze in portions. i just take one in with bread and heat in microwave (used to heat before work and put in flask when we didnt have microwave). i do three types so it doesnt get boring. i know its getting hot but soup is my favourite lunch so eat all year round!

one thing i did before i took soup was to buy one or two dried pasta/cous cous things in pots (like pot noodles but look better!) and put them in my drawer. then on days where i couldnt be bothered/ran out of stuff i had a cheap meal there so i didnt end up £4 down in canteen. good thing with frozen soup portions is you dont even need to remember to take it out freezer night before as it can defrost in the morning

**Kat**_2

That's a great idea clippy girl!

I just did something I think is awesome and I think you guys will be the only ones who agree.

I made a table in excel using a IPMT formula, basically I wanted to be able to record loan payments, how much I pay in interest and when I start ovepaying what difference it will make.

This calculates the value which is paid to interest each month with your repayment. All I need to do now is update the payment value when I overpay and all the totals will change, including the term. I am so excited to start using it!