All the small things - tell me what you have done to be MF today

unhappy_shopper

My MS report for last few days:

• Received £5 LTS voucher from SSM,
• £28 from fleabay
• Free MOCs for C0pella juices
• £3 LV from PC
• Free Listerine to test
• Used MrT's 50p off petrol vouchers

lovethymini

• Just received £9.08 from Quidco
• Confirmation booked yesterday for a big department store to "rent" my little car tomorrow for the day, £250 :j - that's £250 that doesn't need to come out of the offset mortgage for his garage bill!
• Handmade a birthday card and some chocolate fudge with DS for the Grandma-in-law - Happy 95th, Gigs!
• Only spent £60 on fuel the whole of July, rather than the usual £300, thanks to DH and his herniated disc preventing him from commuting - one small positive from all that pain he's been through.

Have a great August, all


x

usa1

wantabetterlife wrote: »

Have just received £30 vouchers from shop and scan that i will use in iceland to tup up the freezer :j:j

Hi
I didnt know I can redeem Icelands vouchers on Shop and Scan. where did you find them in `Rewards`...

unhappy_shopper

• 4 NSDs so far this month, Yeah! I am trying to make do with the contents of the freezer, fridge and cupboards.
• £5 from Halif@x rewards
• £2 refund from M&$ for broken curtain rings
• £20 from TCB

wantabetterlife

usa1 wrote: »

Hi
I didnt know I can redeem Icelands vouchers on Shop and Scan. where did you find them in `Rewards`...

just order the love to shop vouchers with shop and scan and you can spend these in loads of places including iceland. I ordered £30 worth the other day and am going to fill my freezer tomorrow :j

cherylypop

Hi,

Quick question and being a bit nosey-how many of you are sticklers for putting these bits of money aside and using them to overpay and if so how much have these overpayments helped to reduce your mortgage? I've not been doing anything like it so far-but have been watching the tennis doing some sums and thinking i should be better at actually keeping track and making overpayments once a month.

Also read on another thread of someone who checks their bank balance daily and rounds up to the nearest £1 and makes this overpayment on their mortgage. Thinking I might start doing this on a weekly basis (if I do it on a daily basis I will last about 3 days!) and round up to the nearest £5, or on a monthly basis and round up to nearest £10-has anyone tried anything similar.

Anyway small things:
-downloaded quidco mobile-checked in to tesco (5p cashback)
-bought tesco everday value bits rather than normal tesco/branded- saving between £3-£4

slow cooking a nice beef and ale pie which should do for a couple of meals at least and maybe freeze a portion or 2 as well....

gallygirl

cherylypop wrote: »

Hi,

Quick question and being a bit nosey-how many of you are sticklers for putting these bits of money aside and using them to overpay and if so how much have these overpayments helped to reduce your mortgage? I've not been doing anything like it so far-but have been watching the tennis doing some sums and thinking i should be better at actually keeping track and making overpayments once a month.

Also read on another thread of someone who checks their bank balance daily and rounds up to the nearest £1 and makes this overpayment on their mortgage. Thinking I might start doing this on a weekly basis (if I do it on a daily basis I will last about 3 days!) and round up to the nearest £5, or on a monthly basis and round up to nearest £10-has anyone tried anything similar.

Anyway small things:
-downloaded quidco mobile-checked in to tesco (5p cashback)
-bought tesco everday value bits rather than normal tesco/branded- saving between £3-£4

slow cooking a nice beef and ale pie which should do for a couple of meals at least and maybe freeze a portion or 2 as well....

I took out a 30k BTL mortgage a few years ago which I am paying off as quickly as possible (just coming up for 3 years, will be paid off by Dec). After the first few months I kept a record - here's how it's looking. The days saved is the number of days has if the payment knocked a month off the end by date - sometimes the odd £3.48 makes all the difference . Sorry about format.

From Sum of Days Saved Sum of Amount
Amazon 0 36.79
Bonus 153 1062.11
Coop 37 63
Coupons 31 44.55
Ctax 61 206.48
Ebay 150 667.59
expenses 0 30
Gas elec cashback 0 40
Halifax 61 85
Insurance cashback 0 50
Left Over 365 1781.25
LV 670 3280.38
Mistake! 30 109
Monthly payment 761 4626.8
Morrisons 0 35
Night out money 0 35
Npower refund 31 145.14
Onepoll 0 40
paypal 0 243.45 Peefer 31 155
Prudential 0 4.48
Quidco 89 383.12
Tax rebate 242 1328.2
DD repaying 489 3206
Wages 31 225
Yougov 0 50
Cleaner on holiday 0 60.45
Rent excess 215 583
Grand Total 3447 18576.79

unhappy_shopper

cherylypop wrote: »

Hi,

Quick question and being a bit nosey-how many of you are sticklers for putting these bits of money aside and using them to overpay and if so how much have these overpayments helped to reduce your mortgage?

I religiously put aside all this money in a separate account and add it to the pre-determined OP amount. How much I have saved, I have never bothered to calculate as I am comfortable to know that the debt burden is marginally eased.

GG has provided her figures though, so it should give you a good idea.
:T

Fluffypigs

cherylypop wrote: »

Hi,

Quick question and being a bit nosey-how many of you are sticklers for putting these bits of money aside and using them to overpay and if so how much have these overpayments helped to reduce your mortgage? I've not been doing anything like it so far-but have been watching the tennis doing some sums and thinking i should be better at actually keeping track and making overpayments once a month.

I've been lurking on here for a long while and its time to post something for a change! Our current account is set up so that at the end of each month any money in the account over a set figure is skimmed off and paid into our mortgage. My husband set it up so that it happens automatically.

cherylypop

That's lovely thanks for your responses-am going to have to start doing this all properly and will keep you posted once I have done so....