Pay off mortgage and start having even more fun 😁

newgirly

Hi guys, hopefully we will have time to chat about what our expectations are while we are away 😊 that’s what kicked off the 33 month challenge last year- while we away we had a chat about our life. 

On the ship and although we went in it in 2014, I barely remember it all 😆 it’s a bit old fashioned and small but all good so far, as we booked an early saver fare (waaay cheaper) we don’t choose dining arrangements and have been allocated the same table of 8 every night for the whole cruise, I can’t cope with that so hopefully they do a queue system as well, will find out later 😱 I wouldn’t want to eat with my own family every night on holiday , let alone strangers 😂 

LadyWithAPlan

Bargainhunter30 said:He believes you shouldn't live a smaller life by being frugal, but spend excessively on the things you love and save on the unimportant things. 

I do find Ramit  a bit annoying  .. and Caleb Hammer as well - sometimes they can be a bit condescending but it is fascinating to see the minutiae of financial and some hard and sensible advice is given 
But I do think spending on what gives one joy is important. It is how I decided to stay an extra week in the States last week - relatively little spend - the flight change - and I got to swim daily, chill and swim in luxury at my friends

@newgirly yes I am the  'she could have made so much more money if she had bought a house then/ didnt change jobs/ stop travelling' part of the whole family  - However I am fit, happy, v healthy, free and had a truly wonderful life so far and plan to continue it!
Though most of my travelling I manage to do as work trips or can work on laptop  etc so best of both worlds. Its all about our personal choices and not going into debt to fund whilst also keeping half an eye on the future.

@daisy_1571 love that about your SO I guess the saving so hard for something really cements the cost of it... 

Bargainhunter30

I haven't heard of Caleb Hammer, will check him out. I struggle with most American podcasts - they are just too upbeat for me. But I just love being nosy and hearing how other people deal with money. I'm so judgemental and just want to shout at people!

Listening to Ramit has just made me realise that I'm not enjoying my money enough and although I want to be mortgage free, we also need to live well at the same time. On that note, enjoy your holiday NG!

South_coast

I always find what other people do with their money fascinating too. I guess that's why I like this site so much 🤣!

newgirly

An extra week in the US seems a fantastic way to spend a bit extra Lady with a plan! 

Cruise going well, ship a lot more old fashioned than usual but smaller so more open decks. So far we have seen the northern lights on three occasions from the ship, up in the night twice and last night when we were heading out the door for back tie night dressed up 😂 missed that of course! 

newgirly

View from ship! 

South_coast

Just amazing. Seeing the northern lights is definitely on my bucket list 😍

LadyWithAPlan

That’s incredible- northern lights also on my list 

glad you enjoying the cruise - I love them! Being on boats and being taken across oceans .. I am a traveller at heart 

yes it was the right decision to extend my trip but as I have started tracking all non essential spend daily it’s amazing to see where it’s all going (I.e not in deposit fund!) so I am tightening up now 

@Bargainhunter30 be  prepared to yell v loudly at the Caleb YouTube then ! 

He is a bit annoying  but he finds these Americans who are spending insane amounts on takeaways manicures car payments.. with huge student loans often also .. 

skint_spice

I love your photos, one day I will see them! I went to Iceland and saw only the tiniest tinge of a green light but one day!

Have a great holiday.

Cornish_mum

Wow what amazing photos! 

Hope you are having a lovely time 
CM