You guys have done so well with everything that has been thrown your way. Thank you for sharing... it has really made me look at the goals I want to set for me and mine x happy new year 🎉 ❤
Great goals for next year Zoe. Can not believe the horrendous time was 2 years ago. But look where you’re at now. Well done for your achievements. Can still remember watching your first video. I would also like a 10k emergency fund but will focus on getting ahead on bills. Gorgeous family photo. ❤
No, but well spotted! 😉 In Northern Ireland we don't pay water rates/bill, only businesses do. I've no idea why, I have this argument with my mum often as she never believes me 😂😂😂
Great goals zoe ❤ my mum turns 70 in feb I know what you mean about parents getting older this is what I'm saving in my oh sh!t envelope ❤ love the feet warmer 😂😊 such a convincing yay 😂
Fantastic video & 2025 goals Zoe ❤️ Well done on last year too 👏 You really have come a long way since starting which is just awesome 🤩 Totally get the parents getting older scenario & being in a different country as that affects me too Cool foot warmer ❤xx
Thank you! It is amazing to look back on a budget journey, a great way to remember to keep an open mind too. Thanks for your continued support, it really means a lot 🥰🥰
Wow well done Zo, you've achieved so much in the last year and sounds like you have this year well planned out, but being realistic about it. 😊 Love the cosy feet warmers. I'll borrow them the next time I'm over.😅😅😅 Mammy Tally xxx
Well done lovely 🥰 done so well with so much life happening 😊 realistic goals are a must & I love your new category’s too 🧡lots of love to you all going into the new year hope it’s a great one for you 🥰 xx🦊🧡🍂
❤ I'm staying with my son until 1st Jan my budgeting book is at home sad to say can't wait to get back that's really sad.Great goals.You did really well last year .Thank you for sharing I'm thinking of putting my Christmas savings I went over by £200 so will add the 200 but also 10% for deflation.
Oh yes I didn't think of prices going up, good call!!! Aww hope you're having a lovely time with your son. You could always get a piece of paper and make your plans then transfer it to your book once your home. 😘😂
Fab video. Need to do goals soon but been watching lots of others. 😂😂😂. How much was TBM physical binder with postage. I downloaded it, as was on special offer. Looking forward to 2025 videos from all budgeting community from around the world. Sooooo many getting lazy with own lol😂😂
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Great goals set up for 2025
Thank you so much ❤❤
I am so proud of you, hitting your goals and prepping your budget. You've really come so far even with loads of challenges over the last few years x
Awww Hun that's so lovely. Thank you for your ongoing support. It's subbies like you who keep me motivated ❤❤❤ Have a fab 2025 xxx
Very insightful ❤xxx have a fab new year 2025 🎉
Thanks lovely, Happy New year 🎉❤
Fabulous goals Zoe wishing you a very happy new year 🎉❤
Thanks Nana. Wishing you a fantastic 2025🎉❤🎉❤
You guys have done so well with everything that has been thrown your way. Thank you for sharing... it has really made me look at the goals I want to set for me and mine x happy new year 🎉 ❤
Thank you so much! Its great to look back on the previous year too and see what worked or not xxx
Great video Zoe ❤❤❤
❤Thank you! 🤗
Great video and goals for 2025 ❤ that’s not dog hair it’s Labrador love dust 🤣🐶
😂so true. They must really love us....😂
Great goals for next year Zoe. Can not believe the horrendous time was 2 years ago. But look where you’re at now. Well done for your achievements. Can still remember watching your first video. I would also like a 10k emergency fund but will focus on getting ahead on bills. Gorgeous family photo. ❤
Omg I'm thrilled you're still here with me ❤❤❤ THANK YOU! 🥰
10k would be the dream. Let's keep each other motivated to do that! ❤
Absolutely important to set realistic goals
I learnt the wrong way 😂. But still, I learned. That's most important xx
Well done lovely, you’ve done so well despite what life has thrown at you 🩵 Amazing goals and breakdown 🩵🩵
Thank you so much!! Hope this year is good to you ❤❤❤
Have missed you the water bill off the list for utilities category?
No, but well spotted! 😉 In Northern Ireland we don't pay water rates/bill, only businesses do. I've no idea why, I have this argument with my mum often as she never believes me 😂😂😂
@@thecannytally as long as you know what you are doing that OK then 😆
Great walkthrough of your goals! Our family had those pjs this year too 😊😊
Haha yeah they were popular! Hubby was gonna bin them the other day, I'm like WTF I'm wearing these in July!😮😂
I get you with the emergency fund 💯 Nice and realistic goals - you’ll do it 🎉🎉🎉
Thank you!! 😊 Really hope so xx
Thank you for this - I'm goal setting this week and found it really useful. I hope 2025 is a lucky year for you all. ❤
Thanks Amanda! Have fun doing your goals. Glad you found it useful. All the best for 2025 ❤🎉❤🎉❤🎉
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Happy New Year Natalie, wishing you health and happiness 🎉❤🎉xxx
Great goals zoe ❤ my mum turns 70 in feb I know what you mean about parents getting older this is what I'm saving in my oh sh!t envelope ❤ love the feet warmer 😂😊 such a convincing yay 😂
That sounds like a great idea for an envelope ✉️ 💩 lol. Might steal that 😂.
He loves Christmas dinner, honest 😂😂😂😂😂 xxx
Fantastic video & 2025 goals Zoe ❤️
Well done on last year too 👏
You really have come a long way since starting which is just awesome 🤩
Totally get the parents getting older scenario & being in a different country as that affects me too
Cool foot warmer ❤xx
Thank you! It is amazing to look back on a budget journey, a great way to remember to keep an open mind too. Thanks for your continued support, it really means a lot 🥰🥰
Wow well done Zo, you've achieved so much in the last year and sounds like you have this year well planned out, but being realistic about it. 😊
Love the cosy feet warmers. I'll borrow them the next time I'm over.😅😅😅 Mammy Tally xxx
Awww thanks Mam! Love my footmuffs 😁🎁 xxx
My Christmas is always quiet ❤Glad you had a quiet one too❤ love the Grinch warmer❤Have a wonderful 2025 Zoe.❤🎄🎶🎶🎶
Quiet ones are the best! Thanks for always being here Elaine. Wishing you a happy, safe and healthy 2025 ❤❤❤
Fab goals..thank you for sharing..hope you have an amazing new years 🎉xx
Thank you so much! You too!❤🎉❤
Well done lovely 🥰 done so well with so much life happening 😊 realistic goals are a must & I love your new category’s too 🧡lots of love to you all going into the new year hope it’s a great one for you 🥰 xx🦊🧡🍂
Thanks so much Emily. No doubt I'll confuse myself for the first two months until I get used to it lol. Hope 2025 is kind to your family ❤️🥰❤️🥰
Happy holidays! I hope you had a wonderful time. Great goals for 2025! Hugs and love! ❤🤗
Thanks so much Cash Bear Mama 🐻❤️. Happy and healthy 2025 to you and your family xxx
Omg 😂 I’ve got the same Christmas pjs and I spent Christmas Day in mine too 😂😂
@@upthecreeklifewithdd haha they're lush aren't they. Think I wore mine for 3 days solid 🤣🫣
Fab realistic goal Zoe, thanks for sharing ❤. Wishing you all the joy in 2025
Thanks so much! 😊 Have a happy and healthy 2025🎉❤🎉❤
Great goals. Thank you for sharing 🎉
❤ I'm staying with my son until 1st Jan my budgeting book is at home sad to say can't wait to get back that's really sad.Great goals.You did really well last year .Thank you for sharing I'm thinking of putting my Christmas savings I went over by £200 so will add the 200 but also 10% for deflation.
Oh yes I didn't think of prices going up, good call!!!
Aww hope you're having a lovely time with your son. You could always get a piece of paper and make your plans then transfer it to your book once your home. 😘😂
Great video Zoe xxx 💜💜💜
Thank you lovely 🌸🌸🌸🌸
Great goals and life definitely has a way of surprising us at times 😬 Fab video. Have a great new year 🥰🙌
Thank you lovely ❤. I hope your new year is good to your family xxx
Fab video. Need to do goals soon but been watching lots of others. 😂😂😂. How much was TBM physical binder with postage. I downloaded it, as was on special offer.
Looking forward to 2025 videos from all budgeting community from around the world. Sooooo many getting lazy with own lol😂😂
It's a good way to get inspiration from others... And procrastinate from doing your own 🤣🫣. It was expensive!!!!! About £55 with postage I think. Xx