October / November is our most expensive month. Our annual car registration, car insurance, home & contents insurance, ambulance cover, professional registration, professional indemnity insurance, accountants fees have all been paid plus some repairs on the car – all up around $4000.

So theres been nothing extra paid off debt this payday.

I’ve gone back to using YNAB so I’ve been busy setting that up and planning our budget for next year. I am planning on building a one month buffer in the offset account and then anything over that will go to debt reduction.

I’ve also opened up an online account at another bank for our ’emergency fund’ in preparation for closing the redraw when its paid out.

So I am waiting for the tax refund to go into my account, hopefully in the next week so I can get back to mortgage reduction.

Other than that I’m just busy with work and really looking forward to having a break over Christmas.