I Talk Like This Cos I Can Back It Up

I’ve been waiting a very long time to write this post. As at today, my final payment towards my overdraft cleared. I am now debt-free. Debt f.r.e.e.! Whew. So, the car is paid for, the home is paid for, Operation Safety Net (OSN) is funded, holidays are not a problem and my shares are on the up-and-up.

Now, I can comfortably put my mouth where my money is. You'll notice my goal bars have been updated. I'm aiming to save more. Operation Invest Away (OIA) continues into Phase Two and is joined by two new missions; Operation Enjoy Yourself (OEY) and Operation Birthday (OB).

OEY [aka holiday / treat money]
This will go towards (part of) a holiday (flights and hotels) and/or a gadget/bag within the year. I'm aiming to put away £750 within one year.

OB
I'm starting this to help me plan ahead. The two most important men in my life (my father and my older brother) are approaching milestone ages within three years of each other. I know that I'm the baby of the family but I want to give them both out-of-this-world indulgent gifts. They, along with my mother, have been my rock throughout everything. They've loved me unconditionally, stopped me from getting ahead of myself and given me advice through it all.

I love being able to put my money where my mouth is. I can't wait to start saving the money that used to go towards the overdraft. Watch me break through some ceilings next year!