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SmlSave's extremely small steps to reducing the mortgage
Comments
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            MS fail here today, came home to an Indian takeaway being enough for 4-6 people. I feel so fat!Currently studying for a Diploma - wish me luck 
 Phase 1 - Emergency Fund - Complete :j
 Phase 2 - £20,000 Mortgage Fund - Underway0
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            There is simply nothing better than a homemade pie, especially with super buttery homemade pastry:D bread and butter pudding and cider to follow too 
 :rotfl: It's raining so I cooked :rotfl:
 If you'd visited this weekend the house was a tip :eek: now it's back to tidy and I've got the summer duvet hanging up to freshen.
 I went to the Malvern garden show Sunday and spent £100. Could have spent £8k easily and was tempted to spend £2k on a summerhouse....currently looking at cheaper, diy ones although £1500 is the favourite so far. Currently studying for a Diploma - wish me luck Currently studying for a Diploma - wish me luck 
 Phase 1 - Emergency Fund - Complete :j
 Phase 2 - £20,000 Mortgage Fund - Underway0
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            Me thinks it's time to stop eating everything in sight again....... just have 24 cranberry and white chocolate muffins to make for a party first... just have 24 cranberry and white chocolate muffins to make for a party first... 
 The bl##dy washing machine isn't draining 
 But the accounts look ok and I actually managed to get the groceries under £300 last month! A good thing as I'm still looking at summer housesCurrently studying for a Diploma - wish me luck 
 Phase 1 - Emergency Fund - Complete :j
 Phase 2 - £20,000 Mortgage Fund - Underway0
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            Hi smlsave,
 Just popping in for a catch up, how did the baking go yesterday? I really need to get back in to the swing of baking for the kids, we seem to have reverted back to bad habits.
 I think you might be fairly local to me as you've mentioned Bourton on the Water and going to the Malvern show. I love Bourton, such a picturesque place.
 Hope you've sorted the washing machine out:oMortgage March 2011 £143,927.6
 Mortgage Feb 2019 £78,323.180
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            All the kids are finally asleep at 8:36, bedtime started at 7! DH is away tonight and this is the first time in ages when I've put them to bed myself. 
 I'm just delaying going downstairs to tidy and hang up the washing, one load delivered from next door and one load delivered from MIL 
 ... I typed too soon, DD has woken up and now I'm stuck with one arm in the cot (8:43)
 I have another batch of muffins to make Crumpets, they are far too tasty to be left out so they go straight in the freezer so I don't scoff the lot.
 I'm based in Wiltshire, so not that far from Worcestershire at all I will keep a couple of muffins in the freezer for you hun should we ever get to meet I will keep a couple of muffins in the freezer for you hun should we ever get to meet 
 The washing machine is having a new pump ordered and hopefully should be fixed Monday. My fingers are crossedCurrently studying for a Diploma - wish me luck 
 Phase 1 - Emergency Fund - Complete :j
 Phase 2 - £20,000 Mortgage Fund - Underway0
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            :dance:The washing machine is fixed:dance:
 And I've just woken from a nap 
 It's been an exhausting few days with a meal out on Friday, 60th dress up Saturday, took DS to a party Sunday and DD to one today. The children's party gifts were thankfully bought in the sales although I think I left the sale price on today's one :eek:
 So embarrassing Currently studying for a Diploma - wish me luck Currently studying for a Diploma - wish me luck 
 Phase 1 - Emergency Fund - Complete :j
 Phase 2 - £20,000 Mortgage Fund - Underway0
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            ooops, I hate that feeling when you know you've left the price on something I'm sure the recipient won't mind at all though I'm sure the recipient won't mind at all though 
 Yay, glad your washing machine is fixed. I couldn't live without mine. Have you got a clothes mountain to get through?Mortgage March 2011 £143,927.6
 Mortgage Feb 2019 £78,323.180
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            Where, oh, where has May gone? It's just flown by.
 There is a mountain of folded clothes to put away and another (thankfully smaller) mountain to wash. We never catch up Crumpets I'm sure you know the feeling. I'm sure you know the feeling.
 Fingers crossed for a dry weekend so we can visit the park, the steam train (aka: ale/cider 'festival'), the parents and definitely swimming I'm very tempted to eat out at least once. I'm very tempted to eat out at least once.
 15 hours over time this month although I may cash in 5 hours in lieu for some me Currently studying for a Diploma - wish me luck Currently studying for a Diploma - wish me luck 
 Phase 1 - Emergency Fund - Complete :j
 Phase 2 - £20,000 Mortgage Fund - Underway0
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            [QUOTE/]
 Fingers crossed for a dry weekend so we can visit the park, the steam train (aka: ale/cider 'festival'), the parents and definitely swimming I'm very tempted to eat out at least once. I'm very tempted to eat out at least once.
 15 hours over time this month although I may cash in 5 hours in lieu for some me [/QUOTE] [/QUOTE]
 We had a great bank holiday weekend and basically spent the over time I've not earned yet. and basically spent the over time I've not earned yet.
 Hair cuts today at £22 for the kids and I, so cheaper than the salon but I'm going to start us getting cut every 6-8weeks so it'll add up.
 Bought a HUGE bag of rice and it's just so easy to cook that I'm feeling a bit grainy :rotfl:Currently studying for a Diploma - wish me luck 
 Phase 1 - Emergency Fund - Complete :j
 Phase 2 - £20,000 Mortgage Fund - Underway0
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            Due to another thread I just worked out that last year we spent:
 45% Basic living costs
 25% Childcare
 10% Personal/Misc
 10% Savings
 5% DIY
 5% Holidays
 5% Clothes/shoes/glassesCurrently studying for a Diploma - wish me luck 
 Phase 1 - Emergency Fund - Complete :j
 Phase 2 - £20,000 Mortgage Fund - Underway0
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