Monday, 2 January 2012

2012 - Back in the Black

Happy New Year !!

This year , for the first time in 16 years , we have began the year debt free. No credit cards, overdrafts or loans. In fact we ended the year with a credit balance of £249,  which I am highly delighted with after all the expense of Christmas and New Year . We spent New Year with friends in Devon and got back home today. On the mat was a gas bill. I opened it with great enthusiasm, strange you probably think but I had put the money away for it so I was keen to see the amount. It came in at £95 less than I anticipated so I have an extra £95 to put away. I really hope to make more progress this year and get into the habit of good saving and also careful spending.

Thank you frugal friends for your support in 2011 and I hope that we can all make great progress in 2012.
See you soon x

9 comments:

  1. Hi Michelle, Happy New Year. Thank you, it is an amazing feeling. After years of cards etc it is great to feel in control again.

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  2. Well done, here's to 2012 and more great moments like that xx

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  3. That's fabulous - especially being well in the black after Christmas. I've just had my gas bill, and am still over £120 in credit, despite only paying £33 per month.
    Thankyou for the Liebster. I will blog about it tomorrow. x

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  4. What a wonderful way to start the 2012!!! Go You!!! Looking forward to hearing of all your other "winnings" this year.

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  5. Hey, well done! Just hope I can do even half as well in 2012!

    K xx

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  6. Well done you!!! keep it up sister

    blessings xx

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  7. Yaaay! :) Congrats on being in the black. I realised that with my emergency fund I too am in the black! If all goes to plan I will stay that way, however my car has started making a worrying noise. It's booked into the garage tomorrow morning, with the strict instructions for them not to begin any repairs for over £100 without consulting me first!!

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