[tweetiepooh]

Once the mortgage was paid off and so also not paying into the endowments we had "spare" in our monthly pot. We put most of that into savings with a little bit used for spending rather than increasing our lifestyle to match our newly increased spare finance.


Generally we have been fortunate that when big bills have hit we have had the resource to meet them. We are also able at this time to be hospitable. It's even more fun to be generously hospitable to those who can't return the favour (but without making them uncomfortable). Hospitality is about the guest rather than entertaining where focus is more on the host.