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SmlSave's extremely small steps to reducing the mortgage

191012141546

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  • newgirly
    newgirly Posts: 9,349 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Congratulations smlsave, I say buy pink babygrows that way if bump does turn out to be blue you can make him sleep in the pink ones at night so that won't be wasted :money: Shh don't tell my ds1 (he didn't really have a pink eeyore babygro handed down from dd ):rotfl:
    MFW 67 - Finally mortgage free! 💙😁
  • Brodiebobs
    Brodiebobs Posts: 1,032 Forumite
    Part of the Furniture 500 Posts
    reminded me of a mum at school i saw with a new baby in a pink snow suit, i said shes beautiful whats her name... its james i just cant justify buying blue when i have pink...:rotfl:

    dont think even im that tight!!
  • sarahevie
    sarahevie Posts: 1,003 Forumite
    My old neighbour did the same with a snowsuit, it was blue though, it was her son's first.

    I knew she had had a girl, as she was my neighbour, but all the mums at school were asking what's 'he' called. 'Well Sarah actually.'

    I can see the logic, as they don't wear snowsuits that often, I'd put blue on a girl, but not pink of a boy IYSWIM.

    Apparently they always don't say 100% for girls, that's what I've heard, no personal experience as I didn't find out with my three.
    OPs so far £42,139
    Original end date Nov 2037 (53) Current end date June 2024 (40) Aiming for 5 years to be Mf
    DD1 Oct 2008:), DD2 Jul 2010:), DD3 Aug 2013:)
    When life is getting me down I try to remember to thank God for the blessings
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    I almost bought a pretty purple dress outfit today armed with a code for £15 off and a free changing bag. But apparently my code is out of date so I'll only get one or the other and I decided that £14 was too much when I saw a cute outfit at asda for £8 :o

    DH would never let me dress DS in anything slightly girlie! :) But dressing a girl in boys stuff I reckon I can get away with if I accessorise with a flowery headband and maybe decorate the plainer tops with flowers too (maybe get Mum or Nan to do this as I never get round to these things)

    Came home yesterday to a bag of carrots, a marrow, courgette and a tomato :D I'll have to do some more baking soon.
    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
    Well DH is in Berlin for work this week and DS (with his innate timing talent) has come down with a cold. Poor thing but he can't sleep in our bed this week or it'll undo all the hard work we've put in to get him sleeping in his own bed.

    I've spent the morning emailing the Council, MP and Enviro Agency to object about a Biomass Plant they want to build a few streets away. Only found out about it on Saturday due to a leaflet being delivered and apparently we've got until Thursday to object! :(
    DH told me that he thought that the application had been dismissed so didn't tell me about it but it turns up that it had just been delayed.

    Grrrrrrrrrrrrrrr
    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
    Staying round Mum's tonight and apparently there's hm pie for dinner :)

    Had a horrible dream that one of the trees in the back garden fell down over two gardens last night so that's a sharp kick to get contacting tree surgeons for quotes! I dread to think of what that's going to cost.

    Shouldn't moan though about spending on needed things as next weekend I'm off for a girlie night staying in a hotel, having dinner and a couple of spa treatments. I can't wait :D

    Then in Dec my friend wants company in Bath for a massage and shopping trip - how can I refuse ;)

    And no, I can't really afford this atm but I have a nice 0% cc and next year there won't be many treats to be had apart from new underwear!

    I promise that I will not dip into the savings to treat myself.
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • I'm a big fan of little treats...I would never stick to a budget if there was nothing to look forward to!!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15:beer:

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
  • greent
    greent Posts: 10,783 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm a big fan of little treats...I would never stick to a budget if there was nothing to look forward to!!

    ooh - nor me! If I HAD to rigidly stick to a strict 'no fun' regime I would be so miserable and would likely go on a spending blowout. Bit like dieting, I guess - an occasional small treat to keep it all moving forward. I know some can live in total frugality/ diet in a totally committed way, but I can't do either! :o:p:D
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • we've booked a holiday to menorca for next year with friends...not very MSE but it's a lovely something to look forward to! it was a good deal too!!
    Original mortgage £154,850 (2013)
    Mortgage now £148,370.15:beer:

    Original savings £0 (2013)
    Savings now £3000 in ISA and premium bonds
    £60 in mini savings pot, £600 in Xmas vouchers
  • Crumpets
    Crumpets Posts: 1,014 Forumite
    Everybody needs a treat smlsave, grab them while you can i say...room for a little one in Bath? I've always fancied going there :D
    Mortgage March 2011 £143,927.6
    Mortgage Feb 2019 £78,323.18
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