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SmlSave's extremely small steps to reducing the mortgage

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  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    Oh new freezer i still got to order mine keep putting it off haha

    great savings every month :]
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    It's coming on the 21st Lucky :) I'm so excited! :)

    Spent a small fortune today on coffee and food, have no idea how I actually managed to function on the little sleep I had. Zzzzzzz
    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
    Where does the time go? One minute I'm waiting for my freezer and the next it's here waiting to be filled.

    I'm going to do my first muscle food order and see what the meats like. Do lots of batch cooking and fill the freezer full :)

    Extensive initially but once full it should stop us 'just popping to the shops' for milk or bread which then leads to £5+ spent
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It's our smaller shops which really added up. We get a meat delivery once a month which lasts us and saves us quite a bit of money.
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    the muscle food is really good i used to use them a lot

    Oh nice things like that dont get me that excited haha
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    My huge 72 piece meat order comes Wednesday. £47 feels like a good deal.
    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
    The meat arrives tomorrow whilst I'm at work and DH is home :eek: I know that he's just going to chuck it all in the freezer so I'm planning a slow and steady sort it and cook it marathon.

    If I had more energy I'd be preparing the freezer now with labels but I'm wrapped up in bed after a long day and a runny nose. Arrrchooooo!

    Sniff, sniff....

    But I feel like superwoman as the dried washing is folded, the wet washing hung up, the kitchen tidy and the tent in the living room taken down. :j

    P.s. DS had his first friend sleep over last night :p
    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
    44 days to Christmas apparently :eek: A £90 book order is on its way and a large portion of my list is bought for. Hard to think of money saving when big spends are to be done.

    Damage limitation is the name of the game this month!

    DH is still cooking 2-3 times a week which is lovely to come home to.
    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
    My house is currently filled with pumpkin pie, double cream, tiffin, quiche and fresh walnut bread - it's no wonder I've put on 2 stone but oh my, the food is good.

    We've reduced our online food shop to every other week, rather than every week and just pick up odds and sods during the week. I'm hoping it will reduce our spends a bit but I'm not sure as its very hard not to get tempted with convenience food.
    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
    DH had a blonde moment yesterday :rotfl: The charity bag by the door that he was to place by the road side he instead placed in his car boot, only to realise once he'd came home again.

    I like the idea of KonMarie and the old style thread is really motivating but totally not practical for our house unless I could magically disappear the kids for a week so I've also been reading a bog called A slob comes clean. Filling a charity bag each time one comes through the letterbox is really making a dent in the amount of stuff we have, even if I do get twinges thinking that I should sell the stuff.
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
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