Hoard Mode

As I woke up to another sale on my premium mail form yesterday, I felt like I’d received a fresh kick up the bum to start actively working towards my mortgage free in five years goal again.

It’s not that I’ve not been working at it — all sales of the form (minus PayPal’s extortionate fees) are routed to my ISA where it sits til I can pay off a chunk of the mortgage — but I’ve not been doing anything to increase that passive income which is going to be the key to paying off the mortgage; I’ve not released stage 2 of the mail form functionality, and my other two projects are stalling while I get back on my feet too.

It doesn’t help that I’m currently in hoard mode: that is, because my financial future is less secure now that I’m self-employed again I can’t help but keep hold of every penny. I don’t want to move money out of my current account in case I need it quickly, and I don’t want to move what’s in my ISA onto my mortgage debt because if I have a sudden unexpected bill or a few dry months I’ll need that fallback.

I’m being paranoid. I have plenty of work and my bills are being paid. I just seem to be stuck on the thinking, and not on the doing… perhaps another spur of the moment decision is in order.

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