What would I change? What would I keep the same?

 Another month and another round of debt snowball repayments. We often sit down and talk about what we'd change. You know the conversation......'when we are debt free....'. There are things I wouldn't change. I would never go back to wasting energy or money on energy. I would not own a tumble drier and I would still dry laundry on racks. I would still use Tesco Value cleaning products and toiletries. I would still buy clothes in Matalan and charity shops. I would still grow veg and sell items we don't need on ebay.

I would still not heat the water and use shower water to flush the loo, I would continue to use washing machine water to water the garden. I would still go to bed early and use the electric blanket as my main source of winter heating. I would still batch cook, make homemade and reuse and recycle.

I would however be able to sell up, get a better mortgage deal and downsize. I would then be able to over the pay the already smaller mortgage and pay off my mortgage earlier. I would have a bigger ISA fund, a bigger savings fund,a bigger emergency fund and would be able to help my children more.

What would you keep the same and what would you change? We've got just under a year to go and we're exploring our options. What would you suggest?