Todays thought is quite long but finance isn’t much of a lightweight topic.
Listening to a discussion about mortgages on the radio on our way to work has me thinking about our finances.
We are planning to rent for the next two years until Boyo gets his permanent contract so we have time to save for our next mortgage.
Now I am thinking about various things:
* Ways that we can save money
* Keeping better household expenditure records
* And what are we actually aiming for?
I’ve got a lot of ideas buzzing in my head about becoming more frugal.
* My cooking – but still aiming to be both delicious and more healthy.
* Our hobbies – that is actually easy as the boyo and I like nothing more than wandering the great outdoors.
* Travel – we’ve already booked an expensive holiday to Hong Kong but our other jaunts could me UK based, short camping weekends.
* Challenging myself to become more fit and healthy so that I once again fit into more of my wardrobe and experimenting with what I have rather than buying anything new.
I think keeping better records of expenditure will help me to see where I could make potential savings and appreciate what I have more.
And lastly, what are we aiming for? Do we want a big house with lots of space? Or do we want somewhere that looks fantastic? Is the postcode important?
These are interesting questions and to answer properly we really need to think about our future, a family? pets? I don’t think the Boyo and I have grand or fancy ideas, after all any house can become a home with a bit of care and attention.
What are your thoughts? How do you budget? What are your priorties?
Thinking about all of this makes me feel terribly grown up, it’s not wonderful that so much revolves around money and whilst winning the lottery would be fantastic I think the important thing is to value what you ahave and embrace simple things which can lead to so much happiness. For me a walk in the fresh air with the Boyo is simply one of the best things around.