I agree, Now Mrs Zef is at home working and I'm at work, we both do little shops, when we used t do a big shop every week or two, we spend a lot more than necessary. Although don't go out much at the moment, and have a teenage son who consumes like a skip!
re debt, only mortgage fortunately...
We're fixed until Oct '25 at a very low rate, I'd be foolish to change that, but looked and can pay off 10% a year
thing is, I'm probably better off putting it in a savings account at the moment.
THese posts were less than three weeks before we bought our home together ( we're still in it ) In that time we got married, 2004 had and a son, 2005, who's now doing A levels . . . . we went 14 years on one salary, mortgage went right down a few £k of personal debt on and off here and there, a...