A Noggin full of Numbers

After finally entering the world of mortgages, money now tends to be on my mind a bit more than when we were renting. Granted, we've had our mortgage for less than a month, but now the fear of responsibility is starting to kick in, and I'm starting to realise just how important money now is for us, and how misusing/misspending our hard earned could affect our future.

With that in mind, there's a lot we still want to do; this new place won't furnish itself, neither will it magically decorate itself based on our proclivities; money is required, but money isn't necessarily readily available immediately. So the plight of the rat-race goes.

Immediacy of money may become an issue in the short term, so I could take out one of many available personal loans to fund things (provided that the interest rate was very, very reasonable. Another option would be to take out a secured loan with the new flat as security, but only a loony would do that so early into actually getting a house. Alternatively, I could go crazy, take out a bunch of different loans and simultaneously rack up a ton of debt on credit cards, and get a debt consolidation loan. Obviously, I'd be pretty stupid to. Regardless, if the new flat is to become everything we want it to be, I need to decide on a money strategy fast...

This post is related to 2 areas of discussion: rat race, misspending.

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