Tilly Tidy to £1825 by 31/12/2021!

Naomim

Only managed 0.91p so far but considering we're only 4 days into Feb, we're locked down and I'm not spending any money it's ok 😂

Fidelia

Naomim said:

Only managed 0.91p so far but considering we're only 4 days into Feb, we're locked down and I'm not spending any money it's ok 😂

Every penny counts, Naomim !   I'm not spending any money in 'real' shops and businesses because, like you, I'm not going out. Not even to shop for groceries or anything else for that matter.  If I can't buy it online and get it delivered I don't buy it!  Do you round up/down things such as your regular direct debits for utilities. subscriptions etc if they are paid weekly/monthly?  I count every single transaction that goes through my current account.

Good luck.

Naomim

Fidelia said:

Naomim said:

Only managed 0.91p so far but considering we're only 4 days into Feb, we're locked down and I'm not spending any money it's ok 😂

Every penny counts, Naomim !   I'm not spending any money in 'real' shops and businesses because, like you, I'm not going out. Not even to shop for groceries or anything else for that matter.  If I can't buy it online and get it delivered I don't buy it!  Do you round up/down things such as your regular direct debits for utilities. subscriptions etc if they are paid weekly/monthly?  I count every single transaction that goes through my current account.

Good luck.

No I'm only doing my Monzo account which is separate to my joint account with MrM and where all the DD's come out of.  We're in the overdraft on the joint account so want to leave every penny in there I can! lol.  My Monzo account is where I have my personal spends and all the pots for our future budgeting, groceries, dog food, car ins & maintenance etc so I'm just making sure I round them all down to zero at the end of every day if I've spent anything.  

Bought MrM's car insurance yesterday and tidied up so my pot now stands at £1.99 😁

Naomim

Fidelia

IrishSean, We haven't heard anything from you since 31st January so I hope you and your family are safe and well.

I've a few little tidies to tot up and post but if the thread isn't a goer I'll just keep updating my signature and not post on here any more. You've already given me the motivation I need to save all those little amounts that can easily be overlooked.  Thank you.

Stay safe and warm everyone.  Happy tidying.

IrishSean

Sry folks, crap few weeks. Home schooling, 1 yr anniversary of parent etc.
Also, bought a car to sell, looks like it needs an engine. Hopefully will still b able to turn a small profit but soo much hassle! 

Fidelia, ty for keeping the thread torch burning and a big 👏 on every1s tidying. 

I've kept mine going, hopefully will have £300+ by end of Feb. 

Keep going folks, all tidies will be useful to you later in the year 👌

Naomim

Been to get eggs for pancake day today, had a coupon for petrol at Sainsbury's so did that and treated the family to a McDonald's breakfast.

I've rounded down the accounts so got £4.67 in my rounding pot so far this month. 😁

Naomim

A very poor month for me so far.  Only £5.36 in the pot.  I guess it means I've been spending less though! 

2Scratters

I do tidying on my accounts each time I log onto them. I do have 3. 2 are my personal accounts and the 3rd is mine but we use it for paying the bills where my DH contributes to. I like to have these accounts as I like to make money from moving banks. I have no loyalty. I have done this for many years and it has certainly help reduce the debts at the time and helped with savings. I have also done this for my adult son and he is now on top with his finances. I found this method very gratifying when applying this to clearing debt, it certainly made a massive difference to my attitude in clearing the debt. As any small amount can be paid off credit cards. 
You are all doing great

2Scratters

Fidelia

Naomim said:

A very poor month for me so far.  Only £5.36 in the pot.  I guess it means I've been spending less though! 

Every little helps, as Tesco's ad was forever telling us. 

 I find my way of shopping has changed since I've been doing this challenge.  Not in more/less but in spreading it out over separate transactions so my online account shows lots of small amounts to save.  I'm only rounding up/down to the nearest £5 so lots of smaller transactions can  leave up to a maximum of £4.99 EACH to tidy (not that it's ever that much though!) whereas one big transaction will only leave one maximum of £4.99 to save.  Works out I'm saving more this way without really spending more or less.  Works for me anyway.

Good luck for March.

Fidelia

2Scratters said:

I do tidying on my accounts each time I log onto them. I do have 3. 2 are my personal accounts and the 3rd is mine but we use it for paying the bills where my DH contributes to. I like to have these accounts as I like to make money from moving banks. I have no loyalty. I have done this for many years and it has certainly help reduce the debts at the time and helped with savings. I have also done this for my adult son and he is now on top with his finances. I found this method very gratifying when applying this to clearing debt, it certainly made a massive difference to my attitude in clearing the debt. As any small amount can be paid off credit cards. 
You are all doing great

2Scratters

Welcome, 2Scratters.  Good luck with your saving and debt-clearing.