Finding the right balance: Pay Day

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Today is pay day. “YEY” is what I’m hearing.

I got £33 more in my pay this month so straight away that is a bonus £33 to add towards my mortgage overpayment.

The first thing I did when I got paid was transfer my bills money to my dedicated ‘bills’ account. I am responsible for paying off our big holiday next year (hubby’s wages go into the savings accounts) and so I have transferred that amount over. This left me with my spending money for the month.

Historically I would have then gone off and bought something, done an Amazon order or maybe hit the online clothes shops. Actually, historically I would have just bought what I wanted right through the month using card / overdraft and credit card and would have done a credit card transfer on pay day to clear some of it, although I’d have certainly been back in the overdraft before the next payday arrived.

Fast forward to now, the more I am becoming focussed on reducing my money, the more I am finding that I don’t want to do that. That I want to fully commit to bringing down the mortgage total and not fritter away my money.

There is still a part of me that wants to go off and buy new stuff, but there is, currently, a stronger part of me that knows that, long term, it is better for us to bring down the mortgage than it is to own more ‘stuff’. Now to keep it up.

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