Tilly Tidy 2022

CMD79

scrimpandsave said:

@CMD79 Can be as big or as small as you want it to be really. Smaller is more sustainable so whatever you can afford to lose really. A lot of people round a debt down if say for example it was 384.29 they may round down the 29p. It’s an amazing principle, for me I just need something to automate it as my bank doesn’t roundup automatically and third party services seem to take it in a chunk rather than manageable bits.
You seem to be doing amazing by the way paying off your debt, well done to you. Do you have a debt free diary?

Thank you! Yes, I'm really missing Lloyds today. First Direct doesn't do it. 

I slowed down quite a bit in the middle as I was preoccupied when our Ukrainian house guests were on their way/arriving, but yes, I'm feeling very positive about it now, thank you. My DF Diary is: https://forums.moneysavingexpert.com/discussion/6340167/trying-to-hide-a-secret-20-000-debt-is-as-tricky-as-it-sounds#latest

CMD79

2Scratters said:

@CMD79 Welcome aboard this thread. Love the Lloyds account name 
Don't forget to take advantage of the very good interest rate you can get with your FD account too. (3%) The Tillying bits add up through the month especially if you have a flurry of logging on to see - when you, do move a bit. Well done on your first Tilly. 
Any OP to any debt is good, I used to smile when I would send maybe just 40P to round it down. Never once did they not accept anything.

@Makingabobor2 - Welcome too,  My Nationwide ones I have now added the percentage rate to each of them in the title i.e 1.35pc Xmas. Have you signed up for interest change notifications? There is a lot happening re interest rates. I use the app mostly as it is very easy to see and more convenient at times Good luck with Tillying away too.

@scrimpandsave - Have you checked if your bank offers this (rounding up/ saving the change) as you would have to apply - if not maybe consider a bank that works for you No point in being loyal
2Scratters xx

Yes, I'll take a look at the 3% account. I do need to set up something for my emergency fund, so that might be good, thank you

Makingabobor2

£1.85 tidied into the mortgage over payment account today. 

Makingabobor2

Makingabobor2 said:

£1.85 tidied into the mortgage over payment account today. 

Actually rounded it up to £5 and actually sent the extra payment to them, so even better. 

CMD79

Tidied £0.93 from my 1st acct into my Stop Being a Prat acct

£11.24 total for the month 

Keedie

Been away for a while in terms of posting, but still tillying through rounds ups and round downs, with the totals below:

July 2022 = £41.35
August 2022 = £30.68
September 2022 (so far) = £5.41

Year to Date = £298.21

2Scratters

Hi Peeps,
my total for August is £45.54 I was surprised at that amount as it surely didn't feel like that. I am not saving for anything in particular its just about moving the money over to stop from spending. 
2 Scratters xx

CMD79

2Scratters said:

Hi Peeps,
my total for August is £45.54 I was surprised at that amount as it surely didn't feel like that. I am not saving for anything in particular its just about moving the money over to stop from spending. 
2 Scratters xx

It adds up so quickly!! At the beginning of the month, I'm round to £5 so it makes huge leaps!! The other end of the month, it'll be the nearest £1, but that's working out okay for me so far, particularly because I am also doing the £10 extra a day.

  

CMD79

£4.40 for me this morning! In about a week, once my new statements have been issued, I'm going to go back through my debts again to round them down. That gave me a real mental lift last week.

Total for September: £15.64

CMD79

Good morning! Another £4.71 tidied up this morning!

Total now: £20.35

I'm still trying to round to the nearest £5 but as the month goes on, will reduce to the nearest £1 because it's getting a little tight in the old 1st Account!