Tilly Tidy 2022

xanderaw

Added £5.79 to my total yesterday ... my OCD was killing me that I had such a weird MTD total.

I might need to round up my round ups to keep me sane!! 

 MTD - £70

xanderaw

Hi all, I'm currently manually transferring the amount from my everyday spending account to my saving account (I use Starling). 

Has anyone got a better way of doing this? I know I'll end up forgetting or getting confused at some point!

Thanks!

moving_forward

Some banks automatically round up spends I think @naomim uses one that does so.
I use a separate account when I'm tidying better. Not doing much at the min but we been paid so may start again.  I have a spreadsheet to log what I'm tidying so I know what's been done. 

WinterWarrior

I manually tidy, but I like it that way…it feels more solid! I do have a save the change thing, but as I use my debit card quite rarely it doesn’t add up to much. I tend to use a credit card for on line protection and then pay it straight off the minute I’ve used it. So, as my overpayments go straight to my mortgage I just manually send a payment every now and again when I can spare it. 

moving_forward

Payday today. We had £78.86 left in the account so paid it on a credit card. Doesn't feel like tidying as it's just what was left but I'm assuming it counts?

WinterWarrior

moving_forward said:

Payday today. We had £78.86 left in the account so paid it on a credit card. Doesn't feel like tidying as it's just what was left but I'm assuming it counts?

Of course it counts…you are tidying the leftovers, just a nice impressive chunk. Well done you! 

xanderaw

Thanks @moving_forward and @WinterWarrior

Great job with the large tidy!  

moving_forward

Thanks WW and XA

X

2Scratters

@moving_forward any amount tillied is good. Bold move, that's how to tackle it when you can .
@xanderaw tidy away in a method that works for you.
Today I had a look at the one with TTT app I didn't like it. Also another one someone had suggested again not for me, that doesn't mean one method may not turn up that suits my style. I am open for suggestions at anytime its all about learning. I currently have a facility on my Nationwide account that does the save the change ready for you to move manually which is good as the month end can arrive too early if things are not kept an eye on. With that, is getting the satisfaction of actually doing self training, by doing it yourself 
I have made a dynamic decision to move money that would have been spent and save the savings too. The barber shop I go to gave me a discount of £4 so tilly away it will go. I purchased a dress in the sale today and was prepared to pay the price on the label with 20% off, turns out it was cheaper than the label and then still got 20% off, will do the sums on that I know it will be over £10. 

moving_forward

Ooh good ideas there scratters. 
We are determined to get shot of this debt so as many Tidies as we can do will all help..