Disconnected

I have been suffering mentally and emotionally again recently.

I have decided to finally go and see a professional therapist.

I know what the problems are, but I don't know how to fix them. The thing is that I don't think my issues can be fixed by therapy, I think that the most that can happen is that I will learn coping skills.

How do you fill the void. You cant. That everlasting sense of loneliness, isolation and sometimes bitterness.

What to do with the mortgage

Since the financial crisis and the drop in interest rates our mortgage payment has dropped by £270.00 per month.

We are now paying £680.00 per month. We have a repayment mortgage.

This is a substantial saving. We are on a 2 year "tracker" deal.

But in December 2009 our deal expires. Its likely that our repayments would shoot back up again.

So at the moment I am thinking of dumping some cash off the mortgage when our deal expires. This would drastically reduce our monthly repayments. I am getting quite excited because I think wouldn't it be great to have a mortgage payment which is less than £500.00 per month.

But when I think about the rising costs of food the wind is taken out of my sails a bit. The thing is, our house payment is not really our biggest outgoing. We seem to be spending a lot more on food than we used to.

I think that sometimes the idea of paying off ones mortgage is overrated. Of course if you have a great whacking monthly payment then yes I can see the attraction of getting rid of it.

But I would still like to pay off a chunk off our mortgage. We are not able to get any interest off our savings so we might as well pay it off the mortgage.