Let's start at the very beginning.....

02.01.2018 @ 0318

So here I am trying something I've not done before in writing a blog. It's part of my Cheapskate's journey.
I've been involved with Cheapskates before but I wasn't consistent with my participation. I'm hoping to stay focused a bit longer. I have answered the original questions she asked and I'll put the responses here.

Question 1. What are your three biggest financial challenges?

1.     1. To stop spending on little things that I possibly don’t need

       2. To accept that bilk of something because it’s cheaper is not necessarily cost effective

3.     3. To stop paying for treats for other people

Question 2. What are your top three goals for 2018?

1.    1.  I need to manage my money more effectively

2.   2.   I want to pay at least another $20,000 extra off my mortgage

3.     3. I want to go on holiday without depleting my savings

Question 3. What are your top three financial strengths? 

1.   1.   I’m good at paying things off

2.    2.  I never get into so much debt that I have nowhere to go

3.   3.   I pay my bills on time

 So there we are, I've started....