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December is over and 2020 has seen its last day. It was definitely a rollercoaster of a year but I finished out December fairly well I think. I'm down to a little over $5000 in credit card debt with a plan to have it taken care of in the next 4 months and my credit score is on the upswing as well. I'm fairly pleased with this month's progress. Until next time!  I mentioned recently that I would be needing to re-evaluate the amount I have listed as my emergency fund goal due to life changes and debt payoff (yay)... today is the day that I do that with you all. :) I utilized the template I created as part of my One Year Forecast (https://youtu.be/oy7RMz0doWE) and had my number calculated in less than 15 minutes with zero questions. Another thing that I love about having a forecast and a template. Feel free to pop over to the blog post and grab a free download of the template I use to create my One Year Forecast. Until next time!  YNAB has a few challenges and bootcamps happening at the first of the year (yay!). I decided to join the 34-Day Reset Challenge as a way to speedrun a bit of extra towards paying off my credit cards. It isn't a sustainable budget for the long haul but I think it will help me to buckle down a bit more than usual and may even allow me to re-evaluate categories and amounts I have thought of as already stripped down when this is over. Head over to YNAB and join the challange today at https://www.youneedabudget.com/34dayreset/ and join YNAB for free with my code at http://bit.ly/YNABHeather. Let me know if you join the challenge and what categories you are slashing in the comments below. :) Until next time! Welcome to month 5 of working in this workbook at the end of each month. :) I'm excited to see that I ended up spending less in quite a few categories this month than last month, even though there were a few blaring red categories as well. My sinking funds are slowly growing and I'm on track for all of my annual bills as well as my short term savings goals (like a grill, safe, and etc). Next month I'm hoping for a few more gains than this month. Fingers crossed! What kind of budget review and comparative items would you like to see on the Budget Reviews in the future? Do you like this format? Until next time! |
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