.. yesterday afternoon actually, but I didn’t check my emails yesterday. I’m busy now until Thursday night, so I’ll try to remember to pop along then to pick up my card and maybe borrow a few books.
Perdysha's Life List
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1. do my physio exercises
7 entries . 1 cheer5 people -
2. stop procrastinating
10 entries . 30 cheers26,910 people -
3. spend less time online
11 entries . 9 cheers562 people -
4. take 43 photos of 43 places within 43 minutes of where I live
4 team members . 36 entries . 18 cheers92 people -
5. Photograph 43 Sunsets
25 entries . 10 cheers46 people -
6. take 43 photos of people
6 entries . 6 cheers2 people -
7. Photograph 43 Sunrises
6 entries . 9 cheers4 people -
8. list 43 things I like
17 entries . 3 cheers13 people -
9. save enough money to buy a house
1 entry11 people -
10. Tidy my home and keep it tidy
1 entry71 people -
11. knit a sweater
3 entries . 1 cheer624 people -
12. Make new friends
1 cheer12,721 people -
13. join the library
2 entries . 1 cheer12 people -
14. Do NaNoWriMo
3 cheers604 people
... I finally decided to stop procrastinating and make this a goal.
I’ve just checked out the local library opening times online and found out that I can register online. So I have to wait a couple of days for them to email me a PIN and account number. Then I can order books online and go and collect my card from the library.
Now I just need to go to the library…
When the recession hit and interest rates fell I stopped seriously saving and spent lots more than usual. Why have money sitting in the bank doing nothing when you can have fun spending it and have nice holidays hey?
But then I realised with house prices reasonable and interest rates low it would be cheaper to pay mortgage off than rent. My landlord must be making a mint from me.
The only thing is because of the banking fiasco the amount you need for a deposit has risen. So whole a few years ago I could have got a 105% mortgage, the most I can get now is 90% and the best ones are about 80%. So I need loads more money than I have.
It seems unfair that once I have the house I will be able to save more simply because my rent is at least £50/month more than any mortgage calc I’ve seen on a 110k house with 10% deposit. Damn unfairness!
