Back to work after my Christmas holidays. Hardly slept last night – mostly due to the horrendous lack of routine over the hols.
Checked bank account – should be ok for January if I am careful.
I am looking forward to February because a big loan will be paid off and if I can avoid dipping in, I will be saving substantial amounts from March!I forget what it’s like to withdraw money I have actually saved for large purchase rather than borrowing or putting them on credit! I can’t wait to feel the security of having an emergency fund behind me.
It will have taken me seven months gamble free to get to a place where I can consider starting to save an emergency fund together but it will be worth the wait.
At the start such goals seemed so far away – they seemed impossible. It seemed I could never do it. Seven months seemed impossible – but this week I start month five and a lot of things seem much more possible. I can talk about things which used to be pipe dreams and think I will actually do this.
A huge change is that empty dreams now become real plans !