Gallygirl's "A journey of 121,226.67 pounds begins with a single penny" diary

lulabelle1

gallygirl wrote: »

Not only has no-one paid a lot of money into my bank overnight, but someone has had the temerity to take some out - and in whole pounds so I can't even do a Tillytidy

Love this sad man, he's so cute.......

gallygirl

nattypants wrote: »

Hoping to post lots this morning, however have out of time however just wanted to congratulate you on using the word temerity so early in the morning. Clever GG:T

It just popped into my head uninvited Natty, don't read too much into it

Glad me being miserable made you all so happy

Anyway, it's Friday, it's the weekend, it's wine o'clock & I'm off to the pub with Mr GG

Cheers m'dears

Tilly_MFW_in_6_YRS

Loving the smileys x x

[Deleted User]

Enjoy wine o clock GG!
Well done on the ebay sales!!
and dont worry so much about not knocking 6 months off your MF date yet- you'll get there! just carry on tillytidying! :rotfl:

catshark88

Tilly_MFW_in_6_YRS wrote: »

Loving the smileys x x

Seconded! :rotfl:

gallygirl

Tilly_MFW_in_6_YRS wrote: »

Loving the smileys x x

Thanks Tilly .

I love you Tilly. And TYO. And catshark. You're all my bestest friends ever. Hic.

Is it bed o'clock yet

gallygirl

Morning all. Serious stuff this morning so no exciting smileys :cool:.

Work have an offers scheme and I can get 3% off Asda, Sainsbugs and others. Hadn't bothered up till now as you had to pay for delivery of cards which really negated the benefit. However, can now order zero loaded, reloadable cards free of charge. Have got some so will be seeing how easy they are to use. Don't really use Sainsbugs but do go to Asda a bit so will load up say £30 as a start. So....... obviously the 3% is a saving which needs to be spreadsheeted and OP'd....... do I do when I load or when I spend? Hhhhhmmmmmmm. This money saving lark is full of decisions .

Tilly_MFW_in_6_YRS

I've had to give serious consideration to your dilemma. In order to control excessive SS usage, which could be a trigger for RSI, update SS when loading

Loved the wino smiley :beer:

Tilly x x

lulabelle1

Fab smileys.... Enjoy your weekend!

gallygirl

Tilly_MFW_in_6_YRS wrote: »

I've had to give serious consideration to your dilemma. In order to control excessive SS usage, which could be a trigger for RSI, update SS when loading

Yes I think that's best .

Just been checking out ISA rates for 13/14. . Probably 2.25% is best we can get - and for a minimum of 10k. Below that it's 2%. Due to the Accidental House Purchase I only have last year to transfer in, and with the reg savers running it would take till Aug to get to over 10k. Mortgage rate is 2.5% so not worth it, but need to decide if long term benefits of tax free money outweigh short term deficit. Sensibly, they probably do .

I expect I will go for ISA and all extra Tillytidies will get chucked at ISA to try to get to 10k a little earlier. That would earn a massive £4.50 or so a month extra. Whoop de bl**dy woop :rotfl:.