Derek and Colin,

Appreciate your thoughts, they probably echo mine in reality so it’s good to get some feedback.

Regarding our current vehicle loans, I didn’t mention that we also had some other debts that we’ve paid off recently (we both made some poor financial decisions before we met when we were younger). We are putting cash into the loans we have still, I imagine the bike can be paid off by early next year, and then we’ll focus on the car. Our spending and budgeting has improved tenfold, where we once struggled week to week we now are doing it comfortably and creating a decent savings account.

The house itself is mostly complete, we just have to put some finishing touches on it (mainly garden, overheads in kitchen and built in linen closet). We will have it complete by the end of the year.

I welcome any other input or comments, I’ll be frequenting the forums for research so when we do take the plunge we’re educated.

Thanks,
Chris.