Monthly achievement post

[jamethiel]

Okay 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?

Comments

[moizissimo]

Crockpot = awesome. I've started using mine once a week, at least. It's totally helping me stay on track with my budget. I received a recipe book that's all, "Here's a recipe!" and then on the next page it's all, "This is what you do with the leftovers!" It's pretty awesome. Not all the ideas are things I think are tasty, but I'm mixing and matching.

[jamethiel]

It's just so money saving, particularly for large households. And you get home and dinner's DONE and there's no "What will we eat for dinner" and then shopping and either buying stuff you don't need because you're hungry or giving up and getting take away.

I made a really good beef and turnip stew. I'd never had turnips before--theyre surprisingly awesome.