Not Reality, though of course, that does start with r as well. No, we are in a bit of a financial crunch at the moment as a result of the way we made the down payment for our house five years ago, increased with the extra expenses from a trip to England and Wales that we do not regret, and complicated by my drop in pay over the last two years. The bottom line is, we are only barely making enough to cover expenses and debt maintenance.
Enter realty. As I said, we made our down payment five years ago. We are able to remortgage any time now, but our mortgage broker recommends we wait until maturity in September. That means keeping our belt very tight for several more months. It's difficult, but we can do it. And we do have a small pocket of savings still if we need to dip into that.
The good news? As soon as we do remortgage, our biweekly payments will be cut almost in half, letting us put all that extra onto our debts each month. That's our light at the end of the tunnel, and we will make it there, but if you wonder why I'm not splurging on copies of my books or hotel rooms at conferences, that's it.
See you on the other side!