Why start now…

It might seem like April is an odd time to start a money blog, to start blogging about saving, to start making changes. Most people start in January with their New Year’s Resolutions, but I wasn’t in a place to start then.

I did make my money plans for 2018 at the new year but it is only now I’m able to start following through. In December 2017 I was able to pay off my one loan 11 months early and had finally stopped living each month in my overdraft waiting for the next payday to see green again. This was a great feeling to start the year.

I then wanted to save a small emergency fund. This I achieved in March. February is always the month that we have car tax and insurance due and so all our spare money for the month went here.

And so we get to April. The start of a new tax year and the start of our goal to reduce the mortgage, one overpayment at a time. In all my years as an adult, this is the first month where we have been able to sit down and decide what happens to our money, what we can save, where we want to use our money. I am excited to see how much we can achieve in what remains of 2018…. and onwards.

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