First post in a year.... I really lost my sense of direction in 2012 and my mortgage pay off progress didn't go quite as i'd hoped. I did manage to pay off about £8500 but this is no where near as much as i'd hoped.
My excuses? Some work to the house that really needed to be done this year like painting the exterior wood work, windows & doors of the house and garage. Not a cheap job and unfortunately one that we just had to admit that we did not have the time or the skill (or patience) required to complete the job to the same standard as professionals.
Other things that i'm struggling to remember also happened, like car repairs that hadn't been fully budgeted for etc. Just life I guess.
Anyhow I think I am ready to share my outstanding mortgage balance with you, here goes....
Current balannce - £231883.00
Starting balance - £246000.00
It makes me wince to see that amount in black and white. I don't know what else to say right now except there's no way I am going to pay it off by 2017. I think 2020 is more realistic.
Oh how I long for a small house now. Somewhere low maintenance and in a quiet spot away from it all.
I actually feel quite ashamed of what we have. Although I love where we live and it is fantastic for the kids to grow up here, right now I am having horrible remorse for all the stuff I have squandered money on in my earlier life.
It's coming to the end of 2012 and I must start looking forward to 2013 with a positive attitude!