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Stepping to the simpler MF life...
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First OP made! Yay. Only £20, but every little penny and all
Also paid an extra £32 off my cc which is good for me too. I'd really like than gone within a year, but that is a little ambitious on my small wage.
I tried a cheap bread recipe yesterday - disaster! Left for long enough to rise etc but it came out flat as a pancake. Maybe I should stick to pizza dough - thats intended to be flat....I don't like being defeated though, so may give it another go.
DH is off today so we are taking the little ones out. Sun is shining so off to put my washing out.MFW.....Apr 33 Aim - Dec 260 -
Congrats on your first op. It is amazing the difference it makes to the overall term. We got a bread maker for xmas and it really is fab. As we have chickens we have a lot of hm bread and eggs - egg mayo (hm mayo with egg!!) sarnies, eggie bread, egg and soliders, poached egg on toast, fried egg sarnie etc etc!!!
Trying to grow some salad (thanks to the advice of Tilly's thread!) so egg salad might soon be in the mix too!!!!Mortgage starting balance 2011 ... £170k today £1.5k
Savings: £3k
Aim: 100k by Dec 20210 -
Thank you laura jo.
Will try and find your diary as your sig looks very inspiring!
I may ask for a breadmaker for ChristmasMFW.....Apr 33 Aim - Dec 260 -
Yay well done on your first OP. I remember how mine felt0
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Well done on paying off some money on your cc and making your 1st OP :T.
Brilliant! Stay focused you are doing great!
stacey x2024 - happy, healthy, quality over quantity, buy nothing new (and 2nd hand only if NEEDED), mindful spending, nurturing myself and family, living for now.
Mortgage @ 31/12/23 £248k - too high, interest rate gone up - want this down asap!
Debt @ 31/12/23 £16k - no interest - will clear over 5 years hopefully.
Emergency savings £4k - been ransacked over last year - needs attention :-(0 -
Thank you everyone - its nice to have encouragement
Well my plan of using any excess from the bills account took a big knock yesterday. In the form of our gas and electric bill. It covered feb mar and apr which were very cold so i should've braced myself
On the up at least we had changed suppliers as it wouldve been so much more if we hadn't. Can i ask does £160 a month seem high for gas and electricity? We are very liberal with it. That is stopping though and ive warned dh!MFW.....Apr 33 Aim - Dec 260 -
good morning - the sun is shining so i'll pop some washing in and it can hopefully dry outside today. i'm cutting down on all utilities as much as possible.
i need to really research some ideas for cutting them down but in the meantime I'm just doing the basics - turning things off, trying to recycle any water for the garden (it will also stop dh using the tap outside to water if the watering can is full).
My first task is groceries - i'm trying some frugal recipes (not telling dh that though) to try and bring costs down in that area.
MFW.....Apr 33 Aim - Dec 260 -
Another £10 paid off the cc.
I've spoken with S@y and i've downgraded our package whilst the football season has finished. He also gave us a discount on what we are keeping for 6 months so thats £35 per month savedmy plan is to use any 'spare' pennies in the mortgage/bills account to over pay. So next month, we could use that £35 to op.
Groceries should be good this week. We have a freezer full of meat to use up, so this week my aim is to just buy milk, bread and any fruit and veg if possible.
I also have a few bits i could ebay, If i sell I will use towards my cc or maybe half and half. I just need to find a few minutes to get them sorted.MFW.....Apr 33 Aim - Dec 260 -
Sunshine so far today? Still early though but maybe i could actually get some washing dry outside?!
I stupidly asked dh to put the tumble dryer in the shed as i could get everything dry on the line in the summer, since then its rained constantly!!!
No op on the mortgage unfortunately this week, but keep cutting down on everything as much as possible.MFW.....Apr 33 Aim - Dec 260 -
I've pegged my favourite jumper outside, I need it for sitting round the BBQ, I hope it dries before we set off, it can't go in the drier.
Hope you get your dry today, and hope this weather lasts, for both of us.ISA £1675MiniMoohound savings £3685.86 :T Plus £3800 CTF
'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
Poacher turned Gamekeeper
Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 200
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