Tilly Tidy 2023

2Scratters

Morning Peeps,
here we are nearly at months end. I have been paid today so need to do some money shuffling to keep my many bank accounts happy. I will at some point need to simplify all this but in the meantime there is money to be made out there.
Hope TT has been working for you and some bits have managed to create a little pot for you. Remember if it needs to be spent on a need that is why it is there and that is OK, previously you would not have had that bit of money aside, well done for having it there.

Off to do the money shuffle will let you know of updates.

2 Scratters xx

2Scratters

Morning Peeps,
just about well I managed £8.99 yesterday and my monthly total so far is £35.49. When I get to the month end I will move it to a better interest bearing account to make it work a little harder. I have no idea what the goal will be, I suppose just having some money there will be enough for now. 

2 Scratters xx

2Scratters

Hello All,
well here we are into May the month of 3 bank holidays this year!
Hope those following this thread are managing even small amounts, keep going it will pay off.

Well my pennies did not increase or change so will be plodding on getting any TT's together. 
I had an amount of loose change I had saved up and went to get it changed into notes at the post office. What a faff, then my account I use the most does not use the post office so had to use another card as they do not exchange the money for cash it has to go into a bank account. I like to have a cash stash as you never know when it may be needed. That scuppered my plans, will have to withdraw it now.
Have a good month

2 Scratters xx

lianne1984

I TT'd £2.32 to my CC today

lianne1984

I TT'd £1 to my Next acc today

2Scratters

@lianne1984 well done on the over payments. Doing little bits like this overtime will sure add up and make a difference. Smile each time you make these payments.
Climbing above with additional payments the rule of thumb to save money is pay off the highest interest rate first, however getting rid of the smallest first is also a mile stone and helps get some more money available for the next target. (called snowballing) I chose the 2nd option. 

 2 Scratters xx

2Scratters

Well I am neglecting you and myself  by not posting on here for 11 days.
 I have not  a lot to report but have been doing small bits. I will list them here 89p, £6, 21p, £5.47, £4.11 since the beginning of May. It gave me a balance of £52.17 in total. I moved the £50 to a better interest rated account. My balance is now £2.17 and so the build up starts again. I have not spent any money for days so even today there was no round down at all to move. I do round down to the nearest £10 as that then meets the objective of tilly tidy. 
I had found another thread in here and have submerged myself into it to find out as much as I can and still not read it all up to date. I am looking to retiring very very soon and by chance made aware of the thread. It will be all right in the end I have a plan to be in a healthier and mentally better place soon.

2 Scratters xx

2Scratters

Morning TT Peeps,
hope all is going well for you and things are going forward in any way that works for you. I hope for those that were due a wage increase have seen the benefit of it and are able to work your pennies harder at moving what is holding you back from making the steps you want to take. I am finding it hard to TT when having NSD's however I have just logged on and found an odd amount so £4.06
TT'd  Ahh that feels better. 

2 Scratters xx

2Scratters

Hope you are all enjoying some great British weather for the 3rd bank holiday of the month. 

Is your money TT savings coming together a little easier? Better weather so the heating is off,  the good news finally of some reductions in the utilities costs and that you are potentially able to either put money towards catching up or towards clearing a debt or stashing away for later. It is surprising how decent weather can lift your mood and outlook when especially having to deal with money or our well being.

Has anyone found/moved their money to be getting at least 3% interest on savings?
This is your money and trying to get it to work as hard a possible it all helps. 

Have a lovely weekend Peeps

2 Scratters xx

Divingmad

Hi 2Scratters
Would I be able to join the challenge please?
Thanks
DM