Countdown to Freedom

Polkadot_Dress

Am jealous of your packed freezer - I have a chest freezer in my garage which is only ever about 20% full. So silly really - I seem to a avoid trekking out there as it is so cold and avoid using it. Me thinks I need to 'man up' over this and start making proper use of it

Tilly_MFW_in_6_YRS

Hi Polkadot, no idea whether this will help you but I find the time it saves after work makes it invaluable - would changing the focus from saving money (which can get a bit weary some) to saving time (which is a relief) make it easier?

Good luck, Tilly x x

Tilly_MFW_in_6_YRS

Morning,

88p a/c tidy OP

Mr T and I are checking the savings pots (standby Natty :rotfl:) as we may add another one for decorating. We think towards the end of this year we may have to undertake a big decorating session :eek:

Subscriptions
Fuel
Food
Annual bills (includes animal jabs, insurances)
Bulk food purchases
Holidays including kennel costs
Clothing
Birthdays Kids
Birthdays Mr & Mrs T
Christmas
Credit Card (monies transferred into here from other pots ready for bill)

That's our exciting night planned then

Have a god day

Tilly

LauraWxx

Hi tilly, thats a lot of saving pots!! Do you have a separate account for each or do you have a spreadsheet keeping track of the split??

I seem to be having the problem that I have far too many current accounts....4 at the moment and needing a 5th to keep everything separate and organised!!

lulabelle1

Lots of savings pots - a woman after my own heart! I may even have a few more......

lulabelle1

Bizarre question - do you tidy from the balance or the available balance? Mine are usually different and I can see them both on my internet banking and can never decide which balance I want to tidy.......

lulabelle1

Or, is it from your spreadsheet balance, which again is usually completely different to either the balance or available balance on line.....?

Tilly_MFW_in_6_YRS

LauraWxx wrote: »

Hi tilly, thats a lot of saving pots!! Do you have a separate account for each or do you have a spreadsheet keeping track of the split??

I seem to be having the problem that I have far too many current accounts....4 at the moment and needing a 5th to keep everything separate and organised!!

Hi, all the savings pots are linked to my offset mortgage. Not as good as Int. Finance because you can't change the name of your savings pots which is frustrating, however it works well

I do have three other bank accounts but they aren't used much.

Good luck, Tilly x

Tilly_MFW_in_6_YRS

Hi Lula, I move pennies from my current accounts directly to the mortgage account - FD doesn't show a difference like NW does for example on cleared vs non cleared funds.

It makes life so much easier when the car insurance or household insurance is due, knowing the money is hidden away

Tilly x

nattypants

Tilly_MFW_in_6_YRS wrote: »

Morning,

88p a/c tidy OP

Mr T and I are checking the savings pots (standby Natty :rotfl:) as we may add another one for decorating. We think towards the end of this year we may have to undertake a big decorating session :eek:

Subscriptions
Fuel
Food
Annual bills (includes animal jabs, insurances)
Bulk food purchases
Holidays including kennel costs
Clothing
Birthdays Kids
Birthdays Mr & Mrs T
Christmas
Credit Card (monies transferred into here from other pots ready for bill)

That's our exciting night planned then

Have a god day

Tilly

You just did this to show me up, didn't you? Go on, admit it:rotfl: