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