Of course we are at the end of another year, personally 2010 has been quite a rollercoaster ride, with many ups and downs in my personal life. Thankfully it is ending on a happy note, as is the financial side of life-2010 will be seen going out with NO credit card debt and NO consumer or personal loans-I've never been out of debt all my adult life and now I only have mortgage debt to contend with, I feel like its a massive achievement and a millstone gone to finally see the back of financial borrowings.
I can't say that I won't ever borrow in the future, but it will be planned and necessary borrowing if I do and may well involve sprucing up my little house which could do with some TLC in all areas. Personally, I also need to invest in some new specs, my ones are like looking through a permanent haze of fog, but I'll save for these.
I've achieved my debt free status mainly through a frugal lifestyle of thrifting and my love of style and fashion has seen me through these lean years. I am very fortunate to say that I have a fabulous wardrobe of designer clothes, handbags and accessories which have either been mainly from charity shops, boot sales, ebaying or from family.
After another wardrobe reorganisation yesterday with a few pieces going to my local charity shop, I can honestly say that I do have a very covetable wardrobe that I have been proud to build up without incurring any long lasting financial burdens as well.
I will cherish and respect what I have and continue to thrift, not out of necessity, but out of enjoyment-it really is a favourite hobby now.
I'm not sure what 2011 will bring for me in the way of goals and plans-I have a part time job which gives me excellent working hours, all the school holidays and a truly wonderful family of fellow workmates, so I would need any future career change to meet or exceed these things I already have-I'm not money motivated, I just want to be happy in my chosen plans for the future, whatever it brings.
With this in mind, I sincerely wish all my followers, readers and fellow blogger friends a Very Happy and Peaceful New Year and a Successful 2011.