2019 Transforming and Becoming Mortgage Free!

Happy Solstice!! :xmastree:

I'm starting a new diary as today is the new start on the final part of my mortgage journey :j

Sorry for the long thread title, but that's what this is for me!! Winter Solstice 2018 to Winter Solstice 2019 is my transformative year - I intend to be sitting here 365 days from today in a renovated home that I own outright and I love, planning the garden works which will be beginning in the spring of 2020. :D

So, that's a year of being as frugal as possible, ploughing on with the house renovations, keeping an iron grip on the budgets, spending reduced, income hopefully increased while doing something everyday towards achieving those financial targets.

It's not just the finances that are being overhauled though - it's me, my home, my lifestyle, my environment. It's a lot to take on at once but I'm absolutely okay with that - I've been down a number of routes previously and I know what works and what doesn't for me The main thing here is the realism of both the time frame and the outcome. It is genuinely achievable if I keep tight control.

I've got a million plans in my head which I will share soon (on my phone at the moment and a bit old for this kind of typing! :rotfl:)

A couple of them are:
-Use this diary daily to document what I have done towards achieving the house renovations and mortgage freedom
- Update budgets and spending diary daily
- Daily self care
The rest I'll add when I can type properly!!

The main thing is that I will be mortgage free in a year :j

I'm actually incredibly excited despite the apprehension :rotfl::rotfl:

Hope you all have a fab day!!