Learning to walk before I run

Suffolk_lass

I agree, my incentive was looking at the amount of interest I would be paying over the lifetime of the mortgage (based on the BS website) and then looking at what the savings were (tiny per transaction but over a month) and then multiplying that out by the number of months left, so that I could map what I was saving.

Also I spent hours (regularly) playing with calculators to see what difference, the different options were making to my disposable income and seeing it increase, over time (I may have fantasised about winning money too).

As I cleared other debts like credit cards, I also added what I had been paying out on these to my overpayment amount. So I was living on the same amount but making it work smarter for me. We had car loans (3 of them) and several cards when I started so the magic snowball grew quite impressively, over time

edinburgher

Boy cat is being neutered today, apparently all went well

Picked up a few L1dl XXL offers on the way home, but unsurpisingly all the really popular ones (cheap chicken or tuna) were either sold out, or never came into stock.

Withdrew £6.41 from TCB, overpaid £3.22 and paid £3.22 into my ISA (robbed the extra penny from the Groceries budget). Feeling flat, distracted and generally glum, but looking forward to the weekend.

@Suffolk_lass - while I haven't quite summoned up the fortitude to start repaying the 0% CCs, I have changed my preferred payment on G0ogle Pay to my debit card and am now using my bank account for P@ypal, which will knock out 90% of future spends and allow the balances to tick downwards.

Karmacat

I'm loving that you're starting up the OPs again, good for you  

One day more to the weekend?  Good luck with it.

edinburgher

@Karmacat - thank you 😊 Luckily my lender makes it quite easy

It's my weekend now, compressed hours!

Alchemilla

Oh Ed sorry about your flatness.
This was mine today.

Alchemilla

Tell me about doing compressed hours?

edinburgher

@Alchemilla - 8-5:30 Mon-Thu, 45 min lunch. Covers my 35 hours and I even get flexi, so can usually do half hour lunch and finish at 4:30 on Thursday afternoon 👍

BookWorm

Hi Ed - hope you don't mind me de-lurking to interject about compressed hours.  I changed to compressed hours last year but do what they call a 9 day fortnight, so have every other Friday off.  Week one is 8.15am - 5pm every day.  Week two is 8.15am - 5pm Mon-Weds, 8am-5pm Thurs and Friday off.  I can still take an hour for lunch too.  I love it, and would struggle to go back to standard hours now. 

Alchemilla

edinburgher said:

@Alchemilla - 8-5:30 Mon-Thu, 45 min lunch. Covers my 35 hours and I even get flexi, so can usually do half hour lunch and finish at 4:30 on Thursday afternoon 👍

Sounds great, my new job is 37 hours and I really like the idea of compressed hours.

Alchemilla

BookWorm said:

Hi Ed - hope you don't mind me de-lurking to interject about compressed hours.  I changed to compressed hours last year but do what they call a 9 day fortnight, so have every other Friday off.  Week one is 8.15am - 5pm every day.  Week two is 8.15am - 5pm Mon-Weds, 8am-5pm Thurs and Friday off.  I can still take an hour for lunch too.  I love it, and would struggle to go back to standard hours now. 

I like this idea too.