It took us 2 years and 51 open homes before we brought a house.

It’s not that we were overly fussy, it’s just that most houses on the market are over priced and it takes quite some time before the house sellers wake up, and lower their expectations (by then most buyers have lost interest).

But after the elation of buying that new house, and the initial temptation to spend lavishly, comes the reality of a morgage which takes a sizeable chunk out of your weekly pay packet.

Our plan here was to focus on that morgage and eradicate it in much the same way as you would deal with cancer -just deal with it.

That means tightening your belt and getting those morgage payments smaller.

The last part of our plan was to sell our old house -quickly.

This means putting a realistic price on it from the beginning. it may be tempting to nudge it up a bit just to get a little more, but the problem here is that it will take longer to sell, and you are throwing money at a morgage in the meantime.

Those interest only morgage payments just ‘disappear’ , never to be seen by you again.

Eventually someone offered to buy our old house, so we accepted their price and impatiently waited for settlement day, (when all the money gets sorted out)

It’s like a great weight comes off your shoulders!