Like most people our mortgage is by far our biggest outgoing with most of our income going towards it before we have paid any other bills. Bearing this is mind we are always looking of ways to reduce the loan and try to overpay when we have any spare money. We do find, however, that we are able to do this very rarely as most months expenses come up that we are not expecting. I found this article interesting because it suggests that if you save just £2.50 a day then you could save £13,500 from the cost of your mortgage over the life of the loan. It seems like such small amount that you wouldn't expect it to make much of a difference. Most people can probably afford to save what amounts to slightly less than £80 a month but like me don’t consider it will make a great deal of difference, I guess it does all add up, perhaps I should start putting this small amount aside every month.