Hello Dear Reader!
Today is a real ‘Ta dah!’ kind of day. It’s the end of the month, I have not a penny to my name as I’ve cleared out our accounts, bundled it into one place and thrown it all (like monkeys throwing shit!!!!) at Santander! I have made it! I have reduced my mortgage capital by 10% this year! Now it’s time to save for next year’s payments.
There’s no heating on. The lights are off. We’ve eated a slow cooker from stewing lamb and root veg, which cooked in the slow cooker. The clothes have dried again on the indoor rack infront of the window. we have no budget for Christmas, so just a few homemade gifts for close family but OH YEAH….we’ve made it and we’ve a month to go yet and two pay cheques to bank in readiness for next year.
When I first did this, it seemed so hard, depressing and it really wasn’t any fun. Now I dance around when I write another cheque to the building society. I love giving them my money. It’s doing nothing in the savings account (although we do have a contingency fund) so we might as well reduce the huge interest payment we make each month. I plan to get rid of another 10% next year….and some! Does anyone have a brilliant mortage deal they can recommend? Does anyone have an offset mortgage?
I don’t think any of us can predict the financial future, or even be that prepared for it. All we can do is stuff money (if we’re debt free) any where we can. In my case, whilst I’ve got a mortgage, I may as well keep buyng a few more bricks and try and get myself out of mortgage debt as soon as I can. But Oh Yeah! I actually achieved my financial goal in total today.
Love Froogs xxx