Hello Dear Reader,
I’ve spent today catching up on bills and budgets. I’ve read my meters and moved money around. I’ve checked every account, been through the box of receipts and checked everything against bank statements. The only way to accumulate savings, is to not touch any money you have unless you totally really have to.
Our aim, is to pay off as much mortgage capital as we possibly can. We don’t make a regular payment; we save until the end of the year and if we haven’t needed it, then we transfer the whole chuffin’ lot to Santander building society! We’ve learnt, through trial by huge debts in the past, to be very disciplined with money and to just leave it alone! I have enough for a new car, or suite of furniture, or to go on several holidays or as I see it, I’m on the way to paying off another chunk of the house.
I’ve recently had to spend some money. This is not the place to say why or on what, but it was needed. I spent as little as I could and did so wisely. However, I don’t spend anything on anything I don’t need. I don’t need days out that cost money, to buy gifts for people (no children left in our family – they’re all adults now), I don’t need to pay for entertainment. I may well do those things when I don’t have a mortgage!!!
I keep a very close eye on all my utility meters, make sure I submit all my readings online and then make sure nothing’s on stand by, that the thermostat stays at 17 degrees, that I use the mini-oven and microwave, that I time showers, that I save water from the shower and hand washing to flush the loo and I keep all spending to absolute minimum.
Our circumstances have changed, again, this is not the place for details or reasons why, but they have. We are better prepared than every before to manage change and live accordingly. Every penny I have, whilst I still have a mortgage, belongs to the lender I borrowed it off. Sometimes I write this blog just for myself, to remind myself…………..careful now!
Love Froogs xx