Hello Dear Readers,
Thanks to the so so many of you who sent me lovely messages about the ways that you too are frugal! After my scintillating weekend of dismantling pallets, chopping firewood and not shopping! (Other than food) I came home to my mortgage statement today. Due to being a total tightwad, I’ve now reduced my monthly interest payments by £100 a month. You can imagine what I’m going to do with that ‘spare’ £100! You bet……it’s going to go straight onto the capital repayments! I can only pay 10% of the balance a year and next month’s payment will see me do that for this year. I’ll then put away December’s payment, into the savings pot, until the new year, when I can start to pay off another 10% of the balance.
It takes some doing! As I type, whilst there is a fire alight downstairs, there is no heating else where. My taps run cold and then I recycle the water for the loo. There are days when all of this is utterly dispiriting and I could just turn all the lights on, the central heating on and run round bare foot. Then I realise what has to be done, shake myself, pull myself together and just get on with it. Paying off a hoofing great mortgage is a pain in the proverbial but I signed the papers! No one made me. No one said……….go and buy a house in a nice district, with low crime and lovely open countryside, oh and by the way, that’ll make it really expensive. Dreams are all very well but they don’t come cheap.