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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 ♥️

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