I cannot believe that today is the last day of 2012. It has been a quick year with a lot of changes for us. We moved from my mum's to temporary accommodation, then finally to our home now. We also became a family of three when SG was born in March.

Unfortunately, I didn't accomplish the goals I had made for this year. I had to find my entry stating what my goals were, and this was them:

[] Reduce CC2 by half
[] Reduce CC1 by half
[] Car fund to £100
[] EF to £100
[] Savings to £700

Highly unattainable goals since I spent ten months of the year on maternity leave. While on maternity leave I added to my credit cards for things such as car repairs, utility bills that we had to pay from our old flat, petrol and food when we were really struggling. I hate that it's come to this when I was doing so well before maternity leave at the beginning of the year. Oh well, I can't do anything about it now other than not adding to the debt I already have.

This year's goals are slightly more realistic I think. Ideally I would love to achieve them all but the whole point of them was to make them realistic so I can achieve them. At the very least I should achieve my four basic goals.

I need to write down my budget for 2013, and adapt it towards achieving these goals. I'm also going to start trying to find snowflakes to put towards debt.