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

niftythrifty33

Hi Gallygirl, just been reading through some of your diary. Looks like you're doing well and can't believe you've managed to keep the diary going for over 3 years!!!

I've got a diary on here but struggle to remember to log on. Can I just ask what Tillytidy means? is it just rounding stuff off?
Also, how do you work out what can go into the overpayment? I can never work out how much to leave in the bank to not go into overdraft.

I will be reading your diary and others who comment on it regularly to keep me inspired. We're in the middle of moving house so I will need all the inspiration I can get as it's totally going against my wish of paying off the mortgage early...

great diary, keep up the good work

Karmacat

Aren't the day jobs pesky, GG :rotfl::rotfl::rotfl: and thats a lot of phone calls - I'm impressed!

Nifty, yes, Tillytidies are rounding things off and sending it to savings or overpayments, I think.

gallygirl

niftythrifty33 wrote: »

Hi Gallygirl, just been reading through some of your diary. Looks like you're doing well and can't believe you've managed to keep the diary going for over 3 years!!!

I've got a diary on here but struggle to remember to log on. Can I just ask what Tillytidy means? is it just rounding stuff off?
Also, how do you work out what can go into the overpayment? I can never work out how much to leave in the bank to not go into overdraft.

I will be reading your diary and others who comment on it regularly to keep me inspired. We're in the middle of moving house so I will need all the inspiration I can get as it's totally going against my wish of paying off the mortgage early...

great diary, keep up the good work

Oh you poor soul, you must have been very bored :rotfl:.

Tilly Tidy means you take the odd pence in your bank account on a daily basis and add it to savings/OP mortgage etc. It's good for keeping you motivated and a bit of fun - plus the little amounts all add up :T.

Re overpayments, well you need to budget and monitor I'm afraid. I use a spreadsheet where every DD is listed for the next year, all known money shown going in and a weekly amount for shopping etc. That gives an idea of what my outgoings are likely to be. I put away a regular amount every month to a separate account, that is allocated against Xmas, birthdays, car repairs etc, so irregular bills are evened out. Then basically I overpay a regular amount every month. There is only around £10 spare each month :eek:, if I do overspend I need to rein in my weekly spends for a week or two. Then at the end of the month, any coppers left are overpaid :T.

Good luck with the move - stressful :eek:.

nattypants

Also niftythrifty, hopefully you paid extra special attention to 'thruppenygate'

Woe betide anyone who dares to under change gallygirl by 3p:eek: :eek: :eek: :eek: :eek:

Raging is not the word!!!

gallygirl

Being a wifi bandit :cool:

Mystery shop completed and entered :T

Onepoll surveys done

Now to see what else is happening

HelenDaveKids

Just checking in GG, doing my diary lurking but popping up to say Hi.

gallygirl

:j:j:j yay, there's an osprey back :j:j:j (not one of 'our' ospreys though)

edinburgher

Raging is not the word!!!

Haha - I haven't heard anyone say 'raging' in ages, NP.

Glad everything is going well GG, no ospreys around here, but we have some seagulls that could probably take them

I take it that these are real ospreys, and I'm not making a tit of myself by missing an obvious joke (see misuse of the word 'bush')?

Alchemilla

Oooerrr missus.

gallygirl

edinburgher wrote: »

I take it that these are real ospreys, and I'm not making a tit of myself by missing an obvious joke (see misuse of the word 'bush')?

It's a bit too personal to type it out on a forum Ed .

No, real ospreys. Did you miss last year's osprey watch? Lots of hours [STRIKE]wasted [/STRIKE]happily spent watching scrawny wee chicks grow and fledge :T