Another month and another round of debt snowball repayments. We often sit down and talk about what we’d change. You know the conversation……’when we are debt free….’. There are things I wouldn’t change. I would never go back to wasting energy or money on energy. I would not own a tumble drier and I would still dry laundry on racks. I would still use Tesco Value cleaning products and toiletries. I would still buy clothes in Matalan and charity shops. I would still grow veg and sell items we don’t need on ebay.
I would still not heat the water and use shower water to flush the loo, I would continue to use washing machine water to water the garden. I would still go to bed early and use the electric blanket as my main source of winter heating. I would still batch cook, make homemade and reuse and recycle.
I would however be able to sell up, get a better mortgage deal and downsize. I would then be able to over the pay the already smaller mortgage and pay off my mortgage earlier. I would have a bigger ISA fund, a bigger savings fund,a bigger emergency fund and would be able to help my children more.
What would you keep the same and what would you change? We’ve got just under a year to go and we’re exploring our options. What would you suggest?