100 steps challenge.. to where you want to be in 2025

BudgetingBelinda

I used the 100 steps to debt freedom challenge last year and I want to now do the same on the flip side for savings and goals. This can be for debt too of course. I’ve split my goals into 3x100 steps challenges this year as I want to compartmentalise and snowball onto the next hopefully. I invite you to step your way to your 2025 goal!

I won’t log everyone’s in a spreadsheet as quite frankly I’m scared of spreadsheets 😳 but hope to find inspiration from your stepping so please feel free to post what your goal/s are and update how many steps you have taken and how it is going. 

An example if you’re not familiar with the step method: If your goal is £5000 for debt or savings or whatever then one step is 1/100 so £50. If goal is £2000 then one step= £20 etc.

I am going to do my 3
challenges as EF, Holiday and Savings in that order! 🧐😜

So far I’m at EF 22.5/100, Holiday 0/100, Savings 0/100.

Hope you can join in and we can support each other to get to where we want to be in 2025.

BudgetingBelinda

I’m just sending the extra .5 steps to EF! Seems simpler when broken down! 

SerenitySeven

Cold I join this thread please. I hve booked a holiday to Spain for myself and my son this summer and the balance left to pay is £1600, plus spending money of £800 so my total will be £2400, with each step being £24. Once Ive done that in August I might change it up ready for next Christmas.

debtfreewannabe321

Oh I will join please! I was spurred on by your counting down steps to debt freedom!
I will come back with some things I want to achieve and break it down into steps 😃👏🏻

Justcrackingonwithit

Thanks for the link, joined!  Need to read your OP in more detail to understand it properly, but I'm in!  Great to have a gang of us cheering each other on

BudgetingBelinda

SerenitySeven said:

Cold I join this thread please. I hve booked a holiday to Spain for myself and my son this summer and the balance left to pay is £1600, plus spending money of £800 so my total will be £2400, with each step being £24. Once Ive done that in August I might change it up ready for next Christmas.

Yes! Holiday you say!!! Ohhhh im inspired! Looking forward to how you go! ☀️☀️☀️

BudgetingBelinda

debtfreewannabe321 said:

Oh I will join please! I was spurred on by your counting down steps to debt freedom!
I will come back with some things I want to achieve and break it down into steps 😃👏🏻

Yay! So looking forward to hearing all about the 2025 agenda and cheering you on x

BudgetingBelinda

Justcrackingonwithit said:

Thanks for the link, joined!  Need to read your OP in more detail to understand it properly, but I'm in!  Great to have a gang of us cheering each other on

Not sure I explained it well enough! Be great to have you on board and hear about all about it! You find your own goal in £’s, maybe a debt, a savings goal, whatever!..  and divide that amount by 100. 1% of that 100 is one step. Hopefully by end of 2025 we’ll be 100/100 and achieving what we wished and worked for! 💪🏼🥳

debtfreewannabe321

Okay I've got two goals I'd like to work towards 😁

Mortgage OPs in 2025 I'd like to pay £1200. So that works out to £12 a step. I have a regular payment set up of £60 per month (5 steps) but I'd like to pay more off if possible.

EF I'd like to add £2900 to it in 2025 as we are planning to borrow some to pay for some house works - so if I can add back that figure above it takes me to £4000 (including borrowed money back in it). Each step is £29 😊. I will be making first regular payments in January and will report back!

I'd love a holiday fund too but I am not sure we'll have enough spare as we are slowly doing the new house up too.

BudgetingBelinda

@debtfreewannabe321 owwwlaaalaaaa fabulous goals!!!! 💯💪🏼🎉
sounds very inspiring! Can’t wait to see those steps go on!
I printed a 100 number square last year and coloured it in as I took the steps. I think I’m going to do the same with these challenges, maybe digitally on my phone instead this time. I like a visual!
best of luck on your steps! 👏🏼

debtfreewannabe321

I paid my regular £60 (I say regular it's a new regular only set up last month!) Mortgage OP today 👏🏻 so 5/100 steps paid so far. Nothing to the EF. If anything I've raided it to pay for some new windows 😬

I think I'll probably print or draw a visual aid myself as I did this before when I started Mortgage OPs and EF and it worked well 😁