In that year we managed to save our tiny combined wages into a home deposit. We searched for a home for 3 months looking for a suitable unit under $220,000 which was hard in our small but expensive city. After 36 properties we found our unit and bargained down the price by $5,000 just because my books taught me to always try.
Within the next 2 years we gained stable permanent employment and paid weekly extra's into our home loan due to reading an inspiring book Your Mortgage And How To Pay It Off in 5 Years. We've been unit owners for 3.5 years. Last week I asked the bank how we were with our loan. I blushed with happiness when told we were paid up until July 2031!!!! We are 20 years ahead! However we also owe the Govt 26% of our unit which they own :-(
In the past 3 years I learnt about simple living and frugality. I stopped buying a new "treat" magazines every week (minimum 362$ per year) and as I became more eco conscience decided to stop purchasing new items as best as I could. Then I discovered Blogs! They taught me many tricks of the trade, kept me on track, challenged me further and I now love being a frugalistic woman. Allowing us to save and place money in nice safe, savings accounts.
|Left Over Notes From Our Recent Trip - 6 Countries!|
Here are some of the items he told me I should action now:
- Put the Govt owned portion of our home into our home loan. (property inflation is more costly then the interest)
- Get our will written. (Our will kit has been sitting in the cupboard unopened for 3 yrs)
- Put our savings finances together the Rambling Expat and I. (So that it has more strength)
Meanwhile I will keep to being frugalistic happy and use up all or most of the food I have in my home before buying more food this week. Tonight I made pasta sauce with 3 soft tomatoes, a few wilting basil leaves, a little rock salt and black pepper, a generous spoon of garlic and a dash or water. Placed on 3 types of pasta shapes with a sprinkling of grated cheese.
|Home Made Tasty Pasta Sauce|
As the coach said; I need to have every 1$ working for me. Well I'm earning and saving those dollars right now to get them working for me real soon.
Please do comment. Your thoughts, feedback and hello's make me very happy indeed. And to all my followers Thank You. You push me to keep writing and analysing my life. It's a good thing.