Monthly achievement post
Jan. 9th, 2010 10:20 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
jamethiel posting in ![[community profile]](https://www.dreamwidth.org/img/silk/identity/community.png){kind=small}
actyourwageOkay folks! Here it is. Your chance to reflect back on the past month and your progress towards or away from your goals.
Minuses: Well, Christmas wiped out my savings. BUT
Pluses: For the first time in FOREVER, I have more credit available on my credit card than I have debt. My debt is 48.15% paid.
I have opened a First Home Saver's account. I opened it with $20 and I just transferred my spare money for the month into it. It's at interest is at a higher rate than the credit card so financially it would make sense to pay more money into the First Home Saver's account. But this is a psychology thing for me. A year ago my card was maxed out. Now, I'm going to be free of debt in around 7 months time. I need to prove that I can take on something that seemed impossible, set my own requirements and meet them. I need to know that I can be out of debt.
Anyrate. Progress to my deposit is 0.06%. Which is tiny, but better than nothing.
A yearly public transport ticket didn't happen, Christmas did. But I wiped out my savings over Christmas--I've now got a couple of hundred sitting in there. It might take me a few months to get a yearly ticket, but it's doable. I might rename my savings account "Yearly train ticket" so that whenever I go to transfer money out, I weigh up what I'm taking it from. I may have to take some money out, but I'm about 20% of the way towards that.
I got a crockpot for a christmas present! This means lots more home-cooked meals. Om nom nom.
All in all, a pretty successful month!
How about you?
Minuses: Well, Christmas wiped out my savings. BUT
Pluses: For the first time in FOREVER, I have more credit available on my credit card than I have debt. My debt is 48.15% paid.
I have opened a First Home Saver's account. I opened it with $20 and I just transferred my spare money for the month into it. It's at interest is at a higher rate than the credit card so financially it would make sense to pay more money into the First Home Saver's account. But this is a psychology thing for me. A year ago my card was maxed out. Now, I'm going to be free of debt in around 7 months time. I need to prove that I can take on something that seemed impossible, set my own requirements and meet them. I need to know that I can be out of debt.
Anyrate. Progress to my deposit is 0.06%. Which is tiny, but better than nothing.
A yearly public transport ticket didn't happen, Christmas did. But I wiped out my savings over Christmas--I've now got a couple of hundred sitting in there. It might take me a few months to get a yearly ticket, but it's doable. I might rename my savings account "Yearly train ticket" so that whenever I go to transfer money out, I weigh up what I'm taking it from. I may have to take some money out, but I'm about 20% of the way towards that.
I got a crockpot for a christmas present! This means lots more home-cooked meals. Om nom nom.
All in all, a pretty successful month!
How about you?
