Friday, January 20, 2012


Having all the expenses of the loft work has made me think hard about money and earnings as well as spending. I realise that we are very lucky with the fact that we found a great mortgage deal at the right time and we have some safe investments which are paying out. However, I have worked hard at studying finance and we do not over spend. I think that we should give ourselves more credit for being sensible with our money and not just assume that it is coincidence. We got a tracker mortgage because we had learned that trackers were the best investment type and then when interest rates kept dropping our mortgage tracked that and for the last eighteen months we have been paying 0.99% interest which is just £81.50 a month. This is what has allowed us to save up the money to pay for the work on the house. As well as living fairly frugally and working hard.

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