After paying our monthly expenses I was able to make my monthly deposit into savings. I also signed up for the company 401(k) plan at work since it was open enrollment time.
Since I've been paying it down every month and all I owe now is for my box spring and mattress I went ahead and ordered my bed frame, headboard and side table from eBay. I found a pretty light fixture to replace the broken one in my bedroom on sale for 50% off at Home Depot online. I put it on my PayPal account as well. I worked enough overtime to cover my PayPal payment plus quite a bit extra and the light fixture.
Christmas was paid for from my fund that I saved up all throughout the year plus two gift cards I had. I was pretty happy with how much I was able to do with so little money this year. I was a little concerned about it but wonderful sales, coupons and creativity plus a great stash of sewing and craft supplies help out a lot.
I ended the month with quite a bit of money left in my checking account. Part of it I used to purchase a set of quilted organizers to keep my Christmas china in and a set of felt pads to put between the pieces. I put the rest toward my PayPal account and made an extra payment.
I received a Christmas bonus from my employer this month. I was thrilled because it was totally unexpected. I decided to set it aside to use for a family vacation next year. We haven’t had one of those in a very long time.
Looking back at the year we just had I am amazed at all that I have accomplished without adding any substantial debt. In fact I was able to pay down debt, increase savings, fund Christmas, refurnish an entire house, pay all of our monthly bills, either early or on time, (I prefer early) and establish an emergency fun. The best part is I didn’t feel like I was sacrificing that much to accomplish my financial goals.
With new goals set for 2015 I will continue my uber thrifty ways and see what more I can accomplish in the coming year. I'm thrilled and excited to get started.