JANUARY 2024:
4y 1m variable
20y 10m fixed
around $60.02 per day (combined) in interest.

HAPPY NEW YEAR 2024!

Things to quote and do this year, because we didn't get to do all the things on last year's list. 😆😆

Things to quote and do:
• Backyard landscaping after concrete is done- decking front porch and back porch.
• Levelling/ soft fall for monkey bar set 🐒
• wicking beds, outdoor bench seats to sit and supervise 👨‍🌾

Things to purchase:

• New letterbox /parcel locker- this almost went flying in high winds recently 🤣🤣 the old girl is still hanging on! It's getting a bit embarrassing now. 🤦‍♀️🤣
• Security cameras- ring camera? 📹

+ Bed frames for the girls

+ Better wardrobe storage? Or just declutter the old clothes as required.

+TV? Hubby desperately wants a new one 🤣 it got damaged pretty badly after last January's storm but it works fine for streaming which is all we do anyway.

Things went pear shaped in 2023 after repeated rate rises, we held it together and kept plowing ahead with as much gusto as we could manage. There's prediction of at least 1 more in February before any cuts happen before end of 2024.

I'm not going back to work until 2025 now so I'll need to figure out a side hustle of sorts to get some extra moolah coming in to keep smashing it. Open to lots of ideas. Part of the money going to daycare has been added to our fortnightly repayment amount.