A journey of a 1000 miles must begin with single footstep....

Kepp

I agree, that's an amazing amount! :T

Happytogetdebtfree

i know it looks like an epic amount its just 12 months ago i was convinced i could get 20k and i just dont get why i didnt am i frittering money i must be im loosing my belt and i feel like i should be trying harder ... so i think i will begin the percentage challenge and draw a line under this bridge of 20 k chaollenge xx brb x

Woowoo

That's a good plan, you gave this challenge a good shot and did brilliantly well. But like you said draw a line under it now and go for the next one, which you will do even better on

Happytogetdebtfree

lol i feel so annoyed at xmas and we should not im angry it will use my surplus income i have so many things in december i am committed to and its cost cost cost need to get more frugal :O x

Happytogetdebtfree

i often think if i showed you my out going sheet you would :O i have just looked and i feel so damn mad at myself !!! i can not even speak !

EB69

You still achieved over £1k per month HWG - that is not bad going!

Woowoo

You can't change it now though Happy, just make a promise to yourself that come the New Year you will be a good girl again x

Happytogetdebtfree

Hi love, yes you are right this pay day good girl behaviour begins and less is more but alas i still have not bought xmas gifts and that means last minute overspends but what can i do better luck next year .... i suppose its a i want to be debt free now but it just is a slow process enough moaning from me im working myself up in to a statre of sheer fed upness lol lol xx

Woowoo

Positive attitude Happy!

Write a Xmas list, set a budget and stick to it rigidly!

Happytogetdebtfree

budget £20 or less its 14 people to buy for sorrry 16 arghhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh