If I have my numbers right, and I am quietly confident that I most likely have, in 2 months I will be completely without debt excluding a mortgage and regular bills. Did you hear that? (knock on wood)! *runs around the house with her shirt over her head screeching hallelujah’s*.
I have within my grasp the idea of being debt free for possibly the first time in a long time. I am excited to start building rather than repairing. I am excited at the idea of getting out in front rather than keeping up. I am excited that the £28100 rent in the past four years didn’t quite pull us under. I am excited that elbow grease and value for money service providers were the biggest component in fixing this home, I am grateful for a wizard of a Mortgage advisor who negotiated a very manageable deal.
Now, in among this happiness let us not start planning a new wing on the house, or moving to Kensington SW1 in London, or buying fancy things. We will, by the grace of whatever we believe in, and with a trade wind in the right direction, have enough to get by. We will, putting aside the obligatory emergencies, be able to live comfortably enough to to have everything we need and a little of what we want after building up a little reserve for the future. I will not have to do mathematical gymnastics and keep a mental and physical spreadsheet log of everything draining our resources and their current APR.
Now, although exciting to me and joyful, it is also a little embarrassing to have been in this predicament. Lesson number one, when the boy says he needs all your money and you have to pay the daycare fees and household bills too, don’t do it. He will have nice clothes and you will not. He will go out with friends and you will not. He will put your shared houses in his sole name. He will be a toe rag but you will not.
In a month the divorce will be through. I am going to see if I can push and have this all knocked off before then. It is a big ask but wouldn’t it be grand to have matrimonial and financial freedom occur simultaneously?! A woman can dream and then wake up and get to work to make her dreams come true.