Well I’ve had a really good morning doing our new budget. I feel like I’ve spring-cleaned’ the finances and I’m ready to knuckle down and go hard on the mortgage payoff again.

I have gone back to using YNAB for budgeting. I can see how my spending has crept up over the last six months or so and while the credit card was always paid off in full every month, it was too easy to just spend a little extra here, there and eventually everywhere.  I think using YNAB will get me back on track.

I’m also going to stop using the credit card! By using the card we would delay payment and that money would sit in our offset account longer – lowering the interest. But I’ve paid it down to $0 this morning and don’t plan on using it unless we are travelling or its an emergency.

Speaking of travelling, we have cancelled our cruise for the end of the year. We did lose some money but as someone with several health conditions, I am not willing to risk travelling until the coronavirus is a bit more understood and under control. I think we’ll just sit out overseas travel this year.

We’ve got the craziest stockpiling of toilet paper going on in Australia at the moment! People fighting over it, one man getting tasered and all the supermarket aisles are empty. I’m not sure why its toilet paper. I bought a 32 pkt last week for .22 cents a roll because it was on special – (which is when I always buy it). Our pantry and freezer is all full so no need to buy anything extra at the moment.

Are people panicking about Coronavirus where you live? Are they stockpiling anything?