Tilly Tidy 2022

moving_forward

It's blooming hard work being a sensible so and so @scrimpandsave legs hope future you sees that present you is trying hard and doing all she can.

Naomim

scrimpandsave said:

@Naomim Thanks 🤗 still reading your diary now and then, just seen the ‘Used to put all expenses on tesco card and pay off at end of month’ part. I’d be exactly the same, I’d probably clear half of it and think the rest was free money. In fact that’s exactly what I’d do 🤣 Trying so hard not to be like that, fed up of borrowing from my future comfort and happiness.

This is it! We tend not to think of our future selves.  Need to work on that delayed gratification. 

@moving_forward you're right, it is tiring and hard work but we will all reap the benefits because we are here and we are taking positive action and have support.

Naomim

£1.50 added today. All going well.

WinterWarrior

I have added £5 to Christmas and £20 to the mortgage overpayment. The £20 is a round down of our house fund. We save 120 pm between us and have decided to take £20 of that to the mortgage and save a round  £100…although it never stays in there for long, there’s always something 😖

Naomim

Beware of leaving yourself short WW. It's commendable paying off the mortgage but you can't get it back if you need it.

Naomim

Hi All,

I'm collating a list of members. There's more than I thought!

@AngieMcKPz how have you found the first couple of weeks into January?  It doesn't matter if you've not been able to tilly anything. We all know January lasts for the equivalent of 95 days. 😂

moving_forward

365 weeks according to @WinterWarrior

Lookafterthepennies2020

Ooooh count me in please @Naomim I have just started and I am currently at £2.53 (its a start  )  I am going to pay off of my CC at the end of each week as if it sits too long in savings it will find another home lol! I am also going to do the same with loose change in the house etc but plan on cashing that in every month or so X

scrimpandsave

Lookafterthepennies2020 said:

Ooooh count me in please @Naomim I have just started and I am currently at £2.53 (its a start  )  I am going to pay off of my CC at the end of each week as if it sits too long in savings it will find another home lol! I am also going to do the same with loose change in the house etc but plan on cashing that in every month or so X

Living up to your name 😉 I’m the same, except at the end of each week right now I have zero. But want it to go to cc as part of my 1% debt repayments

moving_forward

My start was 34p @Lookafterthepennies2020 so your in good company. 
Don't have much loose change these days as mainly cash free. If we take out cash we think we're rich and blow it 🤣