Hope is not an Effective Financial Strategy

Luckyinlife

is tilly tidy just taking the pence over from the accounts and paying them towards the mortgage ?

sorry for the most basic of questions

shangaijimmy

It is. But with small accounts I've started to put them into an online saver as a holding pot, before a collective OP at the end of the month.

Luckyinlife

Ah right ya thats a good idea i kinda do the same with change in the house put it into a pot only silvers and £1 and then when the pot is full bag it and put it into the bank

amazing how much you can save over the year from change

shangaijimmy

I average £5 a month from change that's 20p or less (I do raid Mrs SJ's purse every now and again!!). It's amazing how it all adds up.

atypicalblonde

Hope you've had some good weather enabling you to get outside with the kids x

shangaijimmy

ATB the weather was just about right and we're all shattered!! Managed 15,454 steps so far! DS1 is like a zombie, DS2 is in the bath, mini schnauzer just keep sighing and counting down the minutes till they're all in bed so i can!

To crown the day it was a NSD too as the boys were too tired to go the ice cream van as it was the opposite direction to the car. Instead they opted for a cereal bar, a squeezy yoghurt and a box of raisins in the car! I was secretly gutted at my missing Mr Whippy

debtfreeoneday

That made me tired reading that!

I like the £1 tillytidy tactic! As you say, expensive, but effective!

shangaijimmy

As expected our current account had a round number so I've Tilly tidied a whole £1 - if this carries on I'll need to budget for tidies!!

shangaijimmy

My small change jar is now at £5 so I'll cash that in at work for a crisp £5 note and then transfer the same amount to mortgage. Also expecting Halifax rewards tomorrow so that's another £15. With new Tilly tidy technique it feels like I'm flying at the moment!!

Alongside Mrs SJ's pay rise in confident of getting to £500 OP this month!

Oh and I managed 13,159 steps too.

shangaijimmy

Nothing really doing money wise today. I Tilly tidied another whole £1 this morning.

I'm finally going to get that fence painted this weekend with tomorrow morning the favoured time slot!!