2015 – Come so far in some ways, zooming backwards in others…

So, it’s almost 2016. This year is going to be MY YEAR – I’ve already decided. So I thought I’d have a quick look back at what I achieved and didn’t achieve last year.

  • I paid off my remaining debt – £1480. It doesn’t seem a whole lot to people, I know, but what with two redundancies for Mr, and me taking on a lot more financial responsibility in our home, it felt like a mountain to climb to me.
  • I didn’t add any more debt! This one was a bigger mountain. We’ve had two veterinary emergencies in the past few months (one incidental, one through carelessness) which have wiped my emergency fund down to about £300 from the lofty heights it had reached. But, if it wasn’t for that, I’d be another £800 in debt. So I’m still counting this as a win!
  • On the other hand, I’m still far, far too spendy. The past couple of months have been better, but they’ve been better out of necessity, not choice. This is one I want to work on in the new year.
  • But to end this list on a positive, we’ve made £1500 worth of overpayments to our mortgage! It doesn’t seem like a lot to many I’m sure, but it means a lot to me. That’s approximately 13-15 months off our term.

So, my goals for 2016? I came up with these a little while ago, most of them are to do with my health, but here we go:

  • Take part in the local 10k ‘race’ – even if I have to walk it, I will take part.
  • Run/jog a 5km race – there’s one in the summer so am aiming for that.
  • Cycle 50 miles! Mr AF is passionate about cycling, so this is one he’s helping me train for, now I have a saddle for my bike that doesn’t feel like a medieval torture device.
  • Reach my goal weight. It’s time to stop messing around with this one, I need the excess weight gone! I’m currently working on this and have a series of goals set  up for myself. Weigh in is tomorrow, so I’ve got my bench mark for going in to the new year.
  • Overpay over £3000 to the mortgage. This means keeping up by monthly £250 payment, but I’m also putting our two ‘free’ council tax months towards it, some money Mr AF has put into the joint account, and the small refund from the electricity company. If we run into financial difficulties later in the year I can ease up, but it will be nice to be almost halfway to that target at the end of the first quarter. With any luck we can keep going at it and smash that target.
  • Submit monthly electricity readings. This bill time, the meter reader did not come back to take our reading, and so they supplied up with an estimated bill. Which was almost 1500 daytime units too high, putting us into debt with the electricity company, and making the vein on my temple try to leap out and strangle me, Stressed Eric style. When I submitted the reading online? We’re now in credit. This will encourage me to keep an eye on our usage as well, and get it down as far as possible without turning us into Victorian paupers.

What are your goals for next year? I’ve got a good feeling about 2016!

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