What Happens From Here?
I’m starting 2017 in a state of flux because so much is up in the air. What happens from here? How will we manage our mortgage/bills and what are my plans for the future? It’s a question I’ve been asked quite a bit over the past few weeks or so, since we finally got our letter and confirmation from Ulster Bank that we were indeed on the wrong interest rate for about the last 6+ years. We have been wrongly charged, we know that we ended up in arrears, needlessly for a substantial part of them.
Banking On Christmas Stress
It’s not the lack of money for groceries that gets me in the end because I don’t notice the difference. It’s the stress; the feeling of tightness in my chest when I think about the bills, the weird anxiety when I consider getting the car past the NCT, and the massive gulp when we pay the mortgage every month. Then absolute screaming frustration when another niggly thing crops up that we have to pay for, that I have to fit into the budget. Somedays I feel like I’m wandering around in an empty house, in an empty town, in an empty country, with nobody to talk to about how it…