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SmlSave's extremely small steps to reducing the mortgage
Comments
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Definitely wont mention the cake.......Just keep swimming!0
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No need for cake today as there were biscuits at work
The daily load of washing is on and I know that I'm not the only one who uses half the recommended washing powderbut I was thinking that using less of everything wouldn't be a bad thing either. So it's less shower products, a little less filling in my sandwiches and a little longer between shopping.....hopefully :rotfl: we must not forget that riots are started in the SmlSave when ham, cheese and bread run out!
I was wondering if anyone who reads this still had the link to my old diary? It would be lovely to see again. :lovethougCurrently studying for a Diploma - wish me luck
Phase 1 - Emergency Fund - Complete :j
Phase 2 - £20,000 Mortgage Fund - Underway0 -
Mortgage Aug 12 £165K, Aug 19 £0
ISA challenge start 2019 £3000/£1500 (50%)0 -
No need for cake today as there were biscuits at work
The daily load of washing is on and I know that I'm not the only one who uses half the recommended washing powderbut I was thinking that using less of everything wouldn't be a bad thing either. So it's less shower products, a little less filling in my sandwiches and a little longer between shopping.....hopefully :rotfl: we must not forget that riots are started in the SmlSave when ham, cheese and bread run out!
I was wondering if anyone who reads this still had the link to my old diary? It would be lovely to see again. :lovethoug
I often use half a dishwasher tablet too. Saw on a frugal post somewhere that someone used about a tablespoon of washing powder!June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!0 -
half a dishwasher tablet! now there's an idea
unfortunately I've got a stockpile of those funny ones with liquid and powder in. But when they're gone, the powder ones will be halved from now on!!!!
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Radish! Thank you so much! Have a big huge ((HUG)) from me
I'm soo chuffed, that's going to be my reading material for a few nights
I'm just quickly popping on - at work, naughty, naughty - to say... £76 underspend in Feb joint account sent off to savings. £4.74 and £4.70 tilly tidys so far to challenge and £88.05 interest earn't from ISA off to challenge too.
Will pop in later....byeCurrently studying for a Diploma - wish me luck
Phase 1 - Emergency Fund - Complete :j
Phase 2 - £20,000 Mortgage Fund - Underway0 -
Gosh what a day, I'm glad to be home especially now the rugrats are in bed asleep. An early night for everyone I think as it was something of a comedy sketch this morning with DH and I both thinking we had it worse last night (up multiple times trumps uncomfortable bed btw)
I suggested to DH about cutting dishwasher tablets in half and I can safely say that this will only happen when I load the dishwasherhis lordship was not amused by the idea :rotfl:
£97.49 is a good start to the £350 month total so thanks interestand I have got good news....
I may be getting a pay rise :beer:
The boss has said verbally that I'll be getting a raise but of course the other partners will have to ok the same but you can't hear better news than that after a cr#ppy day, can you? :beer: so all that asking paid off.....:rotfl:Currently studying for a Diploma - wish me luck
Phase 1 - Emergency Fund - Complete :j
Phase 2 - £20,000 Mortgage Fund - Underway0 -
It's been a spendy week but there's still £10 in my wallet which I'm taking to the pub :beer: have to support the locals :beer: and to catch up with a friend
The use less initiative is obviously only something I'm willing to do as DH just shakes his head at me, DD is too young and DS uses half a toilet roll each time he goes! So while I'll never see any pennies that are saved, using less is more about thinking frugal ...... and hopefully it's catching
I remembered to bring my (fully charged) mobile home with me today and it's not the only thing I brought home from work, I brought some work home for the first time ever :eek: I'm hoping I'll get paid for it, or perhaps it will add a little something when the bosses decide how much the intended pay rise will be. My fingers are crossed.
Off to see what tilly tidys can be doneCurrently studying for a Diploma - wish me luck
Phase 1 - Emergency Fund - Complete :j
Phase 2 - £20,000 Mortgage Fund - Underway0 -
Personally I reduce, reuse, recycle as a theme for my life. Reducing just dowsnt save money it saves so much more. Give yourself a great big pat on the back!
I use half the washing powder, very little washing up liquid, shampoo etc.
the reuse and recycle could be referred to as holding onto everything but I ebay/gumtree/charity shop a lot of stuff.
I'm also really getting strict on myself for not buying unnecessary things. If I don't REALLY need it I don't buy it. Less stuff/junk hanging around.
I have hardly anything in my actual wheely bin at the end of 2 weeks, those bemoaning biweekly collections bed to take a leaf out of your (and mine) books. Not a lot goees to landfill from our house.0 -
Hi smlsave, sorry it's been ages since I last visited
I love the 20k challenge, best of luck with it.
I don't know if you have already got your tesco legoland vouchers, but I noticed yesterday that they also do a part cash part voucher deal where you can change £2.50 vouchers plus £15 (I think) cash per person. Obviously only if you don't have enough vouchers to buy all tickets outright.MFW 67 - Finally mortgage free! 💙😁0
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