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If I told you that I’ve changed my mind again about the selling versus renting decision when we move to Portugal, would you be surprised?  Probably not!   I seem to do it every month.  Well this time there will be no changes; we are going to rent out the house when we move.

Something happened in August concerning a very dear family member which made me realise that I want/need to keep a base in the UK.  I won’t go into details, however for me, us, it’s the right decision at this time.

Anyways onto happier things: mortgage overpayment progress.

The figures as they stand today:

  • Mortgage Balance: £116,797
  • House Value £180,000 {approx}
  • Monthly Payment £542.34
  • Monthly Overpayment £57.66
  • Payments left 238 {19 yrs, 10 mths}

We’re still making a small monthly overpayment, however this is set to increase in January as my clever husband received a promotion at work; our thinking is that once the mortgage is paid off, our house becomes an income producing asset.

Mortgage completion target: December 2020 {115 months early}

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A new month is starting so it’s time to set some new mini goals; lets just hope that I don’t ignore them like I did in August!

This month I would very much like to,

  • Take some exercise 20 days out of the 30. I’ve been inspired by Shanti this month and have shamelessly copied her idea of an exercise wall chart/calendar; I get a gold star every time I take a walk;  I’m motivated by visual things so hopefully this will work.
  • Make £300 in extra income.So far I’ve listed 18 books on Amazon, a few things on eBay and de-cluttered for a car boot sale; last weekend this didn’t happen due to the weather!
  • Re-edit and clean my wardrobe. Simple get all the clothes out, clean, assess, mend and edit.
  • Finish my linen/laundry cupboard: this is nearly completed and just needs a little finishing off.

That’s it, as usual I’ve added a Mr Linky so please add your goals post and join in the fun :-)

{photo credit: an untrained eye}

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Losing my attachment to ‘stuff’

Why do we hold onto stuff? Why do things sit in our cupboards or on our shelves for months, maybe years, and never get used?

I used to be in two minds on this; I liked to have nice things around me, and yet at the same time I disliked clutter and owning anything that was of no use. Now I think that everything I own should serve a purpose and I’m becoming more minimalist.

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Link Love: Blog Carnivals Edition

Good morning! Here are just some of the articles I’ve enjoyed reading this week; 17 Ways to Save Money in the Shower at Almost Frugal DIY: Draft Dodger and Some Energy Efficient Talk at Simple Organic Is Extreme Frugality for You? at Watson Inc There is also an exciting project taking place in October: 31 [...]

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Five Items from My Wardrobe

Every Friday me and some of my blogging/twitter buddies post our top 5 of …{insert subject}. This week it’s favourite five things from your wardrobe; you can find similar posts by searching the #Friday5 on Twitter or visiting Caroline’s blog which has a Mister Linky.

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Be frugal, be green {er}

I’ve been reading this blog a lot; Jacob’s reasoning, on numerous things, resounds with me. Not because I want to retire early, too late for that {although I would like my husband to be able to}, but because I want to be less of a consumer; extreme frugality lends itself well to cutting down consumption.

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Preparing for a car boot sale

Clutter, clutter, clutter.  Where do you come from? As you can probably tell from my post title I’m gearing up for another car boot sale.  I’ve been doing a little general de-cluttering around the house {again} and my mum has passed a few things onto me, so I think I’m hoping it’ll be worth my while; [...]

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