
My main aim at the moment is to save enough money to start to pay down our mortgage before retirement. Unfortunately I have had to call it a day on my part time job as the stress and physical lifting etc., were causing more cfs episodes so I will not be going back next term. It was very part time so the wage (£130 a month) was not very much but it does mean that I will have to find more ways to save now! Hopefully I will start to regain the energy to do what needs to be done and that means more to us. So far I have stopped my gym membership £50 as I wasn't really well enough to use it, walking the dog and a small amount of gardening will now be my gym, and I have cut down on our abel and cole order so we now get an organic delivery once a fortnight so that has saved another £25 so £55 to find a month! Then I must find some more pennies to put towards the paying down the mortgage fund! Not too much pressure then!!!
I already feel a lot better for making the decision and am eternally grateful to have such a supportive husband, now to get organised on the rest! I think a spending diary would help and maybe a plan to "use it up" before buying anew with relation to food and household goods. I allow 10% of my funds for charity and some of that can be spent in charity shops so finding Christmas and birthday gifts there will be my aim. Maybe I can sell some of our "clutter" on amazon and ebay? I sense a huge learning curve coming my way.