A few years ago I mentioned that we had both started saving in a help to buy ISA. We wanted to buy a house local to us, and stop renting the house that we lived in as it was cold and damp. We were planing on putting up with it until we saved enough to buy, saving our house deposit quickly. But the year after I wrote about it, Spike started school and we didn’t want to put her through breakfast and after school club daily. So we moved to Lancaster, to be closer to work and have a better work-life balance. Clearing our debts and saving more When we…