We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Thistlewhistle makes a dash for Mortgage Freedom!

13567…35

Comments

  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
    That's a super idea. I think Lloyds had a savings account that did that. It was called "Save the Change". Whenever you paid with their debit card, it rounded it up and saved the "change" in an account.

    Good plan! I'll have to work out how much I'd save!
    Could even round to nearest £5

    Cheers for recommendations el.
    Thistle
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • gallygirl
    gallygirl Posts: 17,240 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Thistlewhistle wrote: »
    That's a super idea. I think Lloyds had a savings account that did that. It was called "Save the Change".
    Not a very catchy name though, is it :D. TillyTidyTM is much better :rotfl:.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
    gallygirl wrote: »
    Not a very catchy name though, is it :D. TillyTidyTM is much better :rotfl:.

    I agree!

    I've calculated that if I TillyTidy, I'll save £6.23 per month off my fixed direct debits, plus a little extra on the variable ones.
    Annoyingly, two of the DDs are already of the form £xx.00 which is vexatious!!

    By rounding to next £5 (a TillyTidy Deluxe!!), it would be £32.23/per month plus a little extra. That'll soon add up!!:T
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
    Taken steps to avoid interest on the Lloyds CC this evening by rolling my credit over to next month's statement. Just paid the whole thing off by borrowing from my business bank account. Hopefully, I'll not need to put more purchases on the card., but if I do, so be it. The balance will be much less than it was by 31/03/2013.

    Need to have earned enough before the 25th so that my Standing Order for my bills can come out unscathed and I can still fund my ISA by £400 in preparation for my tax bill on 31/07/2013.

    I have some takings to bank tomorrow and another cheque so I should be OK. Here's hoping!!

    Thistle
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    A Tilly Tidy Deluxe, I'm liking the sound of that

    Hello to the mad world of OP'ing, don't encourage GG to much, she can be a bit of a monkey and fill your diary with lots of these ;):p:D

    If your council tax is normally paid over 10 months have you paid Febs/March's to the mortgage
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
    Thanks Radish.
    I'm feeling very closed in by vegetables....Radish, Courgette....
    Very good for you, I'm told!! LOL
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    But who's eating the thistles? Maybe somebody on the old style board has come up with a great new thistle recipe that we can all make for free by picking wild thistles in fields. Not so sure you can eat whistles, though, unless they are those sugar ones you used to be able to buy as sweets when I was a kid.
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
    What does everyone else do?

    I'm thinking of setting up an online savings account and using it to "collect" all my bits and bobs of cash:

    TillyTidy monies,
    £2 Savings Club monies,
    Penelope Pig monies (my daily "put your pocket change in Penelope when you take your pants off at bedtime" challenge!!)
    Other MoneySaving odds and sods

    and then when the CC statements come in, using the Savings accounts to pay chunks off.

    I think it'll be easier to see how much I'm overpaying each month once the CCs are gone and I'm onto MFW proper.

    Or do you all Pay Off As You Go?
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thistle wine would be far better, balance out all the good veg that's hanging around
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • Thistlewhistle
    Thistlewhistle Posts: 1,091 Forumite
    Radish72 wrote: »
    Thistle wine would be far better, balance out all the good veg that's hanging around

    A prickly little number with Scottish overtones!:rotfl::rotfl::rotfl:
    Mortgage at end 05/2007: £90200
    Mortgage at end 08/2018: £71646 paid £18354 (20.5%)
    MFD: :eek:Original:05/2042:eek:
    Car Finance: £8225 : £6392 (22.2% paid off)
    CC Debt (0% until 06/2020): £5640 : £4400 (21.7% paid off)

     Age of Money at 31/08/2018 = 23 days

    YNAB is changing the way I live my life....and spend my money!!
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.4K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604.1K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture