Congratulations!

When we bought last year we were told that the first three months is the hardest for managing the budget. Well, 10 months down the track we're swamped in bills, so I'm going to say the first 12 months is the hardest!

It's a great feeling to know that your money is going towards something for you, and not someone else's investment portfolio And you can paint, nail and do what you like without all those icky little caveats