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2014 vs 2015

October 4th, 2015 at 01:42 am

Sometimes you just need to reflect. If you don't look back on things you forget what you've accomplished. I know most people reflect on their lives at the beginning or end of the year; I like to do it then too but it also helps to look back when you're feeling like you haven't achieved much.

It's not an exact year-on-year comparison to the day but in November last year I had 5172.29 worth of credit card debt. Today I have 4452.31. That's 719.98 paid off since then.

I don't have a year-on-year comparison for the catalogue because it was on the backburner and getting none of my attention. From my records I can see that it was sitting at 4441.68 in June (including bnpl) now it is 3766.23. That's 675.45 paid off since then.

My emergency fund last year was practically non-existent. Now I've finally reached the 300 mark.

If I hadn't started this blog way back then this probably wouldn't be the case. They say one small thing can change everything so, to me, this blog is the little thing that turned into a big thing. But I didn't even notice. I know I'm still on my journey to becoming debt free but thank you for your support guys!

12 Responses to “2014 vs 2015”

  1. VS_ozgirl Says:

    At this point in time you are 1697.43 better off than last year and the thing is too, you have a totally different currency so if you were to think of it as our currency you're actually around 3000-4000 better off! A great thing to remember when it seems like you're not getting as much progress as you are wanting. Happy to share your debt payoff and savings accumulation journey!

  2. starfishy Says:

    great idea to look at last year's figures to see your progress and stay motivated! Smile

  3. creditcardfree Says:

    That really is super progress in one year! Smart lady to make the comparison and start the journey.

  4. Ima saver Says:

    You are doing a great job!!

  5. FrugalTexan75 Says:

    That is fantastic progress!

  6. NJDebbie Says:

    This is very smart of you to do. With Christmas coming sooner than later it is a great way to keep track when most of us feel overly generous during the holidays. Keep up the good work and congrats on your paying off your debt and reaching the $300 mark!

  7. rob62521 Says:

    You are making progress! Keep it up.

  8. Bluebird Says:

    Great job!

  9. My English Castle Says:

    Sarah! Look at your progress! Yeah you!

  10. ceejay74 Says:

    Great job! You're working against some big odds (catalogue interest rates, semi-uncooperative hubby, 2 kids, inconsistent income) so the fact you did that is pretty darn impressive.

  11. livingalmostlarge Says:

    You are getting out of debt like losing weight. Slow but it's worth every penny.

  12. scottish girl Says:

    Thanks everyone!

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