Does 2015 fill you with dread or happiness? I’m feeling so positive right about now. I mentioned before that we had got rid of all consumer debt except my credit card and that I just had a select few family members to pay back. Well, make that one less now. Right at the end of 2014 I managed to pay back all of one debt to someone and can now focus on the higher amount of someone elses’s.
How I did it was pretty easy – I barely went out over Christmas and we went to someone else’s house for all of the festivities. I saved money on a big Christmas food shop, I did extra work all month and had a few unexpected early payments. Realising I had that little bit extra in my account was a good day – and I realised I had more than enough money to pay someone back completely. Lets just say it made their day and I went into 2015 feeling great.
We have two more people to pay off completely now (as well as my credit card which I am planning to do a 0% balance transfer with). I’m going to pay this back as quick as I can and am trying to do so in a number of ways – I’m decluttering like a madwoman and putting tons up for sale.
What are your feelings on 2015 so far? What are you hoping for this year?