I'm not sure if it is my age, and trying to accept that I am a grown up and need to start thinking more about money, but my head is changing its mind on so many things lately:
I want to move to a city / No, I want to live in the country
I want to be a SAHM / No, I want to develop my career
I want more children / No, two is enough
I want to sell up and go and rent a house closer to the husband's business / No, I want to stay put and continue to pay off the mortgage
Looking back at the list makes me think how many of our life decisions are driven by money, that big thing that causes so much happiness yet so much stress - and, let's be honest, quite a few domestic arguments.
On the left I have the risk taking moves - that ultimately need more money to work.
On the right I have the sensible moves - that, although not cheap, should comparatively save us a few pennies.
The biggest financial outlay for us, and for many families, is the mortgage and as much as I would love to sell up and enjoy the freedom of renting, I am glad we have one.
We have worked hard and got ourselves on the housing ladder, just in time before it went super crazy, and often think if we hadn't made that move would we ever be able to buy our own house? However, the mortgage is such a chunk of our outgoings that I regularly have days where I go over our financial figures again and again trying to find something we could do without...
Nope, we need all of those.
The supermarket expenditure is one area I have been working on by planning meals and digging out the slow cooker - nice recipe here by the way - and we are slowly clawing some pennies back through good planning.
But, how many of us actually shop around for other things? Every time an annual statement drops through the door for the numerous insurance policies and the dreaded mortgage we never actually think - 'shall we look elsewhere?' Planning is one thing but actually being aware of what is available, like the mortgages from Santander, is another.
So, I am going to continue to meal plan and control what goes into my shopping trolley.
And I am going to start to analyse my monthly and annual bills and start comparing more.
What tips do you have to save some pennies and pounds each month?
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Disclaimer: This post contains one paid for link. However, all words and opinions are my own.