This is going to be a pretty mundane post I guess. I’ve just been in my office looking at my finances. Something I’ve avoided for far too long. Earlier this year I had a meeting with my bank and they talked me into a loan to consolidate some debts, foolishly in some ways I agreed. I pay £177 per month for the loan. Well earlier this month I decided to take a good look at my loan on my online banking. I noticed I could over pay if and when I wanted to. There’s a nice little calculator there to work out how much you might save if you over pay. Well if I pay £30 extra off it saves me £129 on interest and knocks 1 month off the term of the loan! That’s a lot! So far this month I’ve made 3 payments of £30 each. £40 paid off saves 1 month and almost £175 in interest. I checked my mortgage this morning. The interest is 3.99% AND I’m on variable rate again. I’ve just looked online at the best rates for a new fixed rate mortgage…..1.44%….I’ve a meeting on Tuesday morning with a mortgage adviser and will see what he can come up with. My mortgage is 20 years and several months. That rate of 1.44% won’t be forever but I’ll save LOTS. I guess I’ve not been switched on enough the last few years. I honestly feel like my mind has had too much other stuff to deal with and its just starting to wake up to finance again. I guess it pays hugely to be switched on financially.
Boring mundane stuff over with. Life is still good. I’m finally starting to see light at the end of the tunnel. I’m going to have to try my hardest to get on top of everything and not get swallowed up. My magic is working well again. My rituals are going well and I think things are moving slightly differently in them. I need better focus and concentration though. Things are good. I’m still not back on the forum that I was on and might not go back, I’m unsure, maybe it’s a trigger for me personally. I know others on there must find it a very good place and a good help but maybe I am a loner in life. I don’t socialise. I made the mistake of getting in touch with someone I’d cut out of my life yesterday. I contacted them as I had an offer of a gift for them. I ended up getting bombarded with texts and questions about esoterica and the occult. Normally I’m happy to explain these things to others but I’ve explained these things to this person possibly close to a hundred or so times. I guess I will withdraw back a long way and keep contact to a minimum. He’s a nice guy but misguided I guess. I’ve tried steering him onto a good path. Anyway I’ve lots going on in life and lots of work ahead.
