SmlSave's extremely small steps to reducing the mortgage

SmlSave

So after discussing with DH the fact that we need to stop spending on amazon, this morning he informed me that he'd overspent to the sum of £400! Cue a discussion of needs vs wants and a reminder that we 'owe' our savings £4000.

So my £350 targets is going towards the savings until they are back up to normal and DH has promised no more amazon for a while

SmlSave

It's been a busy month with birthdays weekly and lots of over time. £284 extra in fact

The weather has been scorching and half our lawn is dying underneath the huge swimming pool which has been a godsend, literally we have jumped in the pool immediately when getting home :rotfl:

Hard to believe I have a four year old now!

CathT

Hi smlsave, if your garden is anything like mine there are toys everywhere! Our lawn is looking rather battered too.

SmlSave

Oh yes Cath push bikes, water guns, discarded t-shirt from yesterday.....

SmlSave

A few minutes to myself and last month.....£361.81 to the savings! :T Not too bad, eh? especially after bailing £400 out to DH.

Aww, you should have seen DS yesterday. 4 years old and in a graduation outfit already :rotfl: He's one more week at preschool so they had a class ceremony, tea and magician complete with back paper hats. He seriously ate every sweet thing available and had no room for dinner!


Another few mins and after taking into account all my previous savings we now 'only' owe the savings £1519.12.

This means my £20,000 fund is down to 0 so I have to set a new figure on the challenge . sob.

SmlSave

Pay day has come and gone, £400 towards the savings.

Feel a bit like super mum today with an almost tidy house, garden and family fed. Sometimes DH walks in from work and wonders if there's been a party/war.

SmlSave

£366 towards savings this month :T

I've been plodding along, saving a little here and there but the oomph has been missing and the weights creeping on so I went looking through money saving tip lists on the web and things like...

Drink more water
Walk instead of bus/car
Eat less meat

Came up,basically be healthy!
#cough# no need to mention that if I don't lose the weight I'll have to buy a new set of clothes

Crumpets

Hi smlsave, well done on the savings :T I too find amazon very easy to spend money on, not least because you don't even have to type all your card details in, literally one click and it's winging it's way to you :cool: maybe you could suggest dh adds things to a wish list instead of buying things straight away?

I'm also feeling a little heavier after the holidays I know how to be healthy but sometimes life gets in the way. Good luck with getting back on track :j

SmlSave

Hi Crumpets

I've walked to work and home this week, ate lots of veg and lowered my coffee intact :A but there are biscuits.....biscuits everywhere! :eek:

ginger nuts, shortbread, bourbons so I ate one of each nicely justified that I gave my nectarine to a homeless man on my way to work so I 'deserved' biscuits.

I have tried to get DH to delay spending on Amazon, apparently "anything under £50 isn't expensive" when I chatted to DH about spending. I am very tempted to spend £50 every day for a while so he sees how it adds up!

Always hard when a saver and a spender live together, but I think not as hard as 2 spenders living together - image the stress large debts cause!

Brodiebobs

Mines not really a spender but he doesn't appreciate how the "oh its only £18, £25,£32" etc adds up.... until it point it out to him!!