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SmlSave's extremely small steps to reducing the mortgage

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  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    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 - Underway
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    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 :p

    :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. :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
    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... ;)

    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 houses
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • Crumpets
    Crumpets Posts: 1,014 Forumite
    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:o
    Mortgage March 2011 £143,927.6
    Mortgage Feb 2019 £78,323.18
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    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. :o

    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 :)

    The washing machine is having a new pump ordered and hopefully should be fixed Monday. My fingers are crossed
    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
    :dance:The washing machine is fixed:dance:

    And I've just woken from a nap :o

    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 :o
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • Crumpets
    Crumpets Posts: 1,014 Forumite
    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 :p

    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 £78,323.18
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    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.

    Fingers crossed for a dry weekend so we can visit the park, the steam train (aka: ale/cider 'festival'), the parents and definitely swimming :o 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 :)

    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
    [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 :o 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]

    We had a great bank holiday weekend :) 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 - Underway
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    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/glasses
    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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