Hope is not an Effective Financial Strategy

shangaijimmy

Hidden thanks for the info, it saves me looking at small print. I'm not sure it's complacency that gets us, more that once routines are set up we inevitably hit a mid month slump. TT's keep me motivated at this stage, and the TT's keep me looking at the spreadsheet and asking what if. For example if I do make the extra payment it'll take daily interest down to £6.59 as opposed to £6.60. It's amazing the motivation for dipping into the next 10p bracket alongside colouring in 2 bricks!

shangaijimmy

Thanks Cath, another early riser (fortunately for me I'm not!)! I'm pretty certain I've lurked and maybe even commented on yours, though there's so many it difficult which ones to pick at times!

I'm glad it wasn't too dull for you!

Onto today. 57p TT'd this morning and accounts looking healthy so the 'top up' will definitely happen and may well be £45 rather than the expected £65.

hiddenshadow

shangaijimmy wrote: »

Hidden thanks for the info, it saves me looking at small print. I'm not sure it's complacency that gets us, more that once routines are set up we inevitably hit a mid month slump. ... It's amazing the motivation for dipping into the next 10p bracket alongside colouring in 2 bricks!

For me it's a bit of both. If I don't push ourselves on the budget then we just go on with the norm and don't find out if we could get by with £10/mo less in the grocery pot, or what-have-you. If I do push myself and just OP that £10 straight away, it lends momentum for me to keep wanting to make the (small or large) OPs so I keep thinking of ways to save/earn extra money.

shangaijimmy

I've been musing on this one all afternoon! Given people generally have a monthly budget then providing we don't have any major, or unplanned expenditures then we should have at least £100 surplus to allocate somehwere! This is how i will justify rounding OP's up, or balances down from now on!!

shangaijimmy

57p TT'd this morning, and more importantly 3 days to accounts posting, spreadsheet updating and brick colouring! Woo!

shangaijimmy

£25 spent on sealant for our leaky gutter and grouting for the patio! So materials bought , I now need the deceptive combination of weather and motivation!

Ali-OK

Weather due to turn a bit warmer for the weekend I think... could be a decent Bank Hols for a change.

For me, that'll be 2 days procrastination to dig over the garden border and 1 day when I actually do it :rotfl:

CathT

Fingers crossed for dryer weather. It really has been grim lately! I used to wish the month away to be able to do updates on the 1st.

debtfreeoneday

Not sure whether I should hope for dry weather for you or not..

shangaijimmy

The sealant I don't mind, that only a 15min job, the patio is a different animal altogether! I'm considering sealing it this year to try and make the grouting last longer, but all depends on how good/bad a job I do!

50p TT'd this morning, 2 days to posting!