Revised Plans/Targets

One of the things that came to my attention last week with the car being sorted was with regard to my finances.

Now, this year is the first one where things have (so far) gone OK, and I’m pleased with where things are in general.

However, looking at what I’ve managed to do this year, I did feel I had done less well than I could’ve done. I’ve saved less than was perhaps possible or ideal – although still far, far better than I also could’ve done, or have done in previous times – but I do also know that there’ve been things I’ve bought and done this year that took some of that money away from being saved etc.

From here on, though, it’s going to be a bit different.  I still plan to be able to do what I want when I want, but I’ll also be bunging a but more into savings as well.

I’m doing a full spending-diary at the moment, because I want to know where it all goes, and what it goes on. I’ve already been monitoring my monthly outgoings, and have a far better picture of them now than I used to – and have also been able to reduce a couple of things on there, plus a couple more will be dropping in the next month or so, come renewals time.

So that’s where things are.

The end of this year is the next big change, when I’m done with the repayments plan that’s been in place the last two and a bit years. When I’m done with that, the same monthly amount will be going direct into savings. It’s money I haven’t actually missed (well I have, but I’ve done without it just fine) so it can carry on going elsewhere, but to my benefit instead.

So yes, a way to go yet, but everything so far is at least in a positive direction…