Perdysha

.. 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.

... 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!