2014 mfw

fluffysox

Gaz83 wrote: »

Are folk just making overpayments as and when? I'm saving up and making an overpayment each month on the same day as my normal payment, but am I better to just make an overpayment as and when I've got a spare tenner?

I would set up a regular OP with your normal direct debit as that way you get used to that money going out. Then lots of people also send small payments to round current accounts or mortgage balance down to a round number or whenever they get extra income. e.g. quidco or halifax rewards. Also if you manage to save money because something costs less than you budgeted for. I do all these things then also on payday if theres money left over and I don't have any big bills coming I use some of that too. It all adds up ;-)

fluffysox

Not sure if we'll make an OP this month as my two DSs are getting Christened at the beginning of Feb so some expenditure there. Plus Christmas credit card bills to come in yet. And there's an Asda baby event so I'm hoping to stock up on nappies. So I will probably leave it til after the Christening and see how much is left. On the plus side my freezers are full and I still have money left on Asda Christmas Savings cards. (Filled two with the max £145 to get the £5 bonuses the day after) Was delighted when I realised that I could use my cashback credit card to buy them. Next year I will budget to buy a few poss with a new cashback credit card on a bonus rate.

fluffysox

Haha just remembered its Capital one cashback month so will at least OP that

Marie27lol

Howdi All

I am so bonkers, making another payment of £50 OP

That is £250 so far. TY Grassroots, I just had to round it up to the 50! :P

M #127

easylife73

#112 Tiny OP of £1.71 from £uidco cashback

FamilyLife

Could I join please? We are moving into our new home tomorrow. We have a mortgage of £118750 and are hoping to OP by £2250 this year. This may be ambitious as I start mat leave this month and we need to do some work on the house but we're going to try!

catshark88

fluffysox wrote: »

Haha just remembered its Capital one cashback month so will at least OP that

Don't you just love Capital One cash back month! ;-)

Won't be much for us this year, but at least it's something.

AND, no council tax for February and March. Hurrah! :rotfl:

catshark88

#166, £145 OP today.

Lomcevak

#12 with a £250 OP today, so a total of £600 for the month. That's all until February now

kirstypark

no 7 checking in with £60 tonight please - roll on payday...