Skip to main content

Nau mai ki toku whare hou

We've had a few visitors over the past few months. Three months in now and it still feels strange 😂

I wake up and think - where am I sometimes or wonder whose house I'm in. Then I remember - this whare was bought by me. And YouOwn. But mostly owned by the bank!

I tell my tauira that I own a door and a window. 

But possibly I also own some carpet in one of the rooms and part of the roofing too. 

Each fortnight I pay the mortgage to the bank. In all honesty - I could do it on my own. But it's a lot easier having that boarder/rent income coming in by renting out the other two bedrooms. 

I'm in the process of paying my first lot of rates too. Once these are paid off -$330 to go! - I'll be setting up an automatic payment so that it won't be a big surprise come next time rates are due. 

ODC rates - $735

I still am awaiting the BOP Regional Council ones - they've separated recently so two lots of rates. 

And the ongoing YouOwn payment - the hat tip - to say thank you - each month comes out this week too. 

YouOwn - $285

The house insurance comes out each fortnight - house insurance and contents too. 

$81 - Vero

Plus the car insurance $22- State

Mortgage - $995 each fortnight

The interest is so crazy. $580 🤦‍♀️ but it'd be even worse if I hadn't locked in at 2.99 when I had the chance. Even if it's only for 12 months. 

I have 9 more months to get my consumer debt reduced, save a bunch of money for the next big mortgage payment before we re-lock in at fixed interest rates and save more for a bloody holiday somewhere warm. 

I've put myself on a really tight spending leash. In fact - I'm hardly spending anything except paying off bills at the moment. 

I miss being with Powershop. I'm going to switch back. It's super weird not seeing my usage tracked each day or not understanding when we're using our power and having the chance to buy power cheaper and stockpile it. 

I'm still wanting to get solar panels. 

I'm still waiting for the fruit trees to get leaves. Some have already started flowering or fruiting. 

I'm trying to plant lots of plants that bees like to help save the bees and also ensure our local plants continue to grow. 

I'm constantly changing things around to make the space look cooler. But I feel like I end up making it more messy 😂 trust the process? 

It's still hard to talk about having such a nice home. But I'm still really thankful we have this whare ♥️ so freaking lucky. The pieces all fell where they needed to and were meant to ♥️ 

Ngā mihi ♥️

Comments

Post a Comment

Popular posts from this blog

Continuing to break the poverty mindset

Whuuuu.  I'm still processing the latest thought patterns.  We're going to an Open Home on Sunday. 52 Buchanan. Beautiful big house. Flashy, as Crystel puts it.  She wants to live in a flashy house.  I get it.  We've both been through some crazy trauma and deserve good things.  But inside me is also this niggling thought that makes me think I don't deserve to. That thought is holding me back.  I find it hard to see myself in a fancy, flashy, new house.  I prefer to see myself in a villa.  Part of that could be conditioning while growing up. Maybe it's to do with my preconceived notions and ideas about wealth.  Maybe I still have more work to do.  At present - my list of house options:  52 Buchanan Street Ōpōtiki * 3 bedrooms, 2 bathrooms * newer house * Not much section * Pizza oven * Big garage * Big white gates * Open plan living and kitchen 32 Potts Ave * 2 bedrooms, 2 toilets, 1 shower over bath * Co...
Post a Comment
Read more

Sandy NanoWriMo 2014

Update: Quite a bit longer now...  #NaNoWriMo2014 She woke up just like any other day, with her alarm playing on her phone and her arm sprawled across her face. Her face covered from the overwhelming light that drifted through the non-existent curtains and onto her bedroom walls. She had been clever enough a year ago to begin mapping out the sun's cycle as it passed her little apartment and knew without even looking at her phone that she had overslept. Sandy Jenkins was no ordinary person. But she felt overly ordinary every single day. The problem was, she hadn't quite figured out her purpose in life, nor had she found the suitable (insert worm mating phrase here).  Unfortunately, Sandy had a couple afflictions. The first was that she was stuck in a job that she didn't particularly like. She had a range of talents yet none of these had anything to do with her current 'career pathway' or so her parents continued to call it. They said it was a stepping stone to a much...
Post a Comment
Read more