Hoard Mode

Please note: this is an old post. I have been blogging for a really long time: since my childhood, in fact. Bear in mind that any opinions stated may have changed, any code snippets may no longer be considered safe or secure, and my personal circumstances are almost certainly different to what's contained herein. You have been warned...

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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