Baby steps to being mortgage free

gallygirl

Well done Baby steps, it's been a difficult year for you but you've come out on top - well done, I hope you're proud of yourself :T

gg x

Baby_steps_2

gallygirl wrote: »

Well done Baby steps, it's been a difficult year for you but you've come out on top - well done, I hope you're proud of yourself :T

gg x

Thanks gally, I am pleased overall. But may next year be even better!!:D

Baby_steps_2

Christmas shopping done:j:j

All the shopping is now finished for the year. Total cost £255, this is including getting a number of bargains and not paying for a couple of presents because of tesco vouchers and the like.

Note to self: Budget £300 for next xmas:p

I'm glad its all done now though, I can relax and enjoy the run up to xmas. Works xmas do on Thursday, although we are oaying for ourselves I am looking forward to the night out:rotfl::rotfl:

SmlSave

£300 for Xmas is really good Baby Steps

It's alway my budget but I always go over as I get too excited.

Enjoy your night out tomorrow

Baby_steps_2

Hi all,

Hope you are all well and not getting to annoyed with the snow. I'm sat here watching the apprentice final and catching up with the finaces. It has been an expensive week with all the xmas partying, but I knew it would be so thats fine and was budgeted for.

So the final position for the year is................. (drum roll please)

Mortgage – 162,150.68
CC (0%) – Oct 856.62, Nov 2215.01, Dec 2964.59
Savings – Oct 901.51, Nov 1730.10, Dec 2975.84
Net amount owed – Oct 162,105.79, Nov 162,635.59, Dec 162,139.43
Month change – Oct -44.89, Nov +529.80, Dec -496.16:D
Overall change – Oct – 44.89, Nov +484.91, Dec -11.25:D

Yay, after the horrible year I have no debts, I have actually managed to finish £11.25 better off by the end of the year.:T:T

So bring on 2011 full of new challenges and getting even more money into savings to compensate for the mortgage being interest only.

Next challenge, set some 2011 targets.

[Deleted User]

Well done Babysteps how fab to know you have finished the year in credit especially after such a tough year - you should be very proud!!

Baby_steps_2

:j:jI've finished work until the 4th of Jan:j:jI am now very excited about Christmas.

I'm still doing really well with money. The budget so far for this month is on target and to be honest I can't see me spending to much between now and New Years eve except for on food. So I am hoping that as long as I behave in the January sales I will see the first real dip in the net amount I owe the world (I'm aiming for about £500).

So a great big


to all.

Also thank you for everyone for putting up and reading my random thoughts for the last 9 months or so. I honestly dread to think what my money situation would have been if it hadn't been for this diary and all of your support keeping me on the straight and narrow. I really think if i hadn't had to write down what I have spent with all the changes I have been through the last year I think my spending would have got totally out of control but as it is i've managed to settle back into the house, get through a break up and not ended up hitting the credit card:D

So i'm all ready to hit 2011 and the mortgage hard.

InaPickle

:xmastree:Merry Christmas, Baby steps! :xmastree:

Here's to a brilliant Christmas for you, and a cracking start to 2011.

Be afraid, mortgage, be very afraid! *Cackles* :snow_laug

:xmassign:

newgirly

Well done Babysteps!
You have done brilliantly, have a great christmas you deserve it :xmassmile

pammyj74

Well done Babysteps, you know that next year will be a great year for you and you'll try really hard to keep away from them cards lol

Hope you have a lovely xmas and may next year be a successful and happy one