My Debt Diary

Did I achieve my goals? – July 2018

July 27, 2018

We are now, somehow, at the end of the month and it is time for me to look back at the goals I set and reflect on how I have done. Three of them were financial goals and very much in line with my debt free journey. The fourth was a more personal goal, though just as important in ensuring I can maintain motivation and positivity! So did I achieve my goals for July 2018?

My goals for July 2018 were as follows:

  • Save £500 for my emergency fund
  • Put £1000 into debt payments
  • Find one new income method
  • Take time to nurture my mental health

Let’s look at my financial goals first. I wanted to save my £500 emergency fund and pay £1000 to debt. To put it simply, I haven’t completed either of these, however I am not disappointed. My emergency fund is now sitting at a total of £298.17 and will increase again this week. My debt has gone down by £321.97 and will drop a bit further before the month is out.

You might say this is a failure, I’m no where near either of my goals! I am however, £620.14 closer to my goal of becoming debt free and counting. I’ll take that!

Income has been a tricky one for me this month as I have been working so hard to ensure my freelancing work increases again after an incredibly quiet June. (It’s getting there but I would still like to see some improvement). New income streams are still something I am keen to discover though and I do have something particular in mind. All going well that will be in place in the next week or so and then I can tell you about it in August!

As for looking after my mental health, I feel like I have done quite a good job with this in July. When I have found stress building I have taken the time to pause from work for a second and step outside. One morning I took my cup of tea outside and just sat in silence listening to the birds and that was really therapeutic. I wrote a blog post on debt and mental health on Monday talking about the importance of…well, talking.

 

You’d think having only really achieved one out of my four goals that I would be a bit lack-luster. I am actually feeling really motivated for August now! I have still made progress and now I know what I am capable of I think I can manage even more in the next few weeks.

I’ll be setting my goals for August next week so keep an eye out for that post!

did I achieve my goals - pinterest

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hello!

June 22, 2018

Hello!

I’m Emma and I have debt.

Seems sensible to just get to the point. This truth hurts for me so why tip toe around it?

After avidly following several personal finance blogs and Instagram accounts for a couple of months now I thought it was about time I made my own contributions to the #debtfreecommunity. The support I have seen exchanged amongst those openly battling their finances amazes me. I’m really looking forward to becoming a part of it all.

I have a challenge ahead of me and so I want to use this platform to share my progress and the methods of money making and money saving that I use to chip away at the total.

I aim to be as open and honest as possible, good days and bad, so that anyone in a similar situation to mine might find some comfort in my posts and perhaps even some guidance as I work my way through my debt. It sucks to be in this position, but I know it’s not the end of the world. If I work hard I can be clear of it soon.

You’ll be able to follow along with my story on Instagram too, find me under the name @mydebtdiary

Say hello in the comments, I’m so glad you decided to drop by!

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