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SmlSave's extremely small steps to reducing the mortgage

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  • Definitely wont mention the cake.......
    Just keep swimming!
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    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 powder ;) but 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
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Me, as I'm slack at deleting subscriptions :)

    https://forums.moneysavingexpert.com/discussion/1146603
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    SmlSave wrote: »
    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 powder ;) but 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!
  • turtlemoose
    turtlemoose Posts: 1,682 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    half a dishwasher tablet! now there's an idea :D 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!!!!
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Radish! Thank you so much! Have a big huge ((HUG)) from me :D I'm soo chuffed, that's going to be my reading material for a few nights :D

    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....bye
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    edited 5 March 2015 at 9:05PM
    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 dishwasher :p his lordship was not amused by the idea :rotfl:

    £97.49 is a good start to the £350 month total so thanks interest :) and 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 - Underway
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    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 :p

    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 done :)
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • 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.
  • newgirly
    newgirly Posts: 9,349 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Hi smlsave, sorry it's been ages since I last visited :o 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! 💙😁
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