We didn't consciously over spend on Christmas, but we did have an 18th as well, and the money kind of stopped coming in, too. We've had a lot of veterinary expenses, and the hassle with the neighbour means we have to spend money on fencing and moving stock.
We are back at baby step one.
Dave Ramsey advises $1000 and we've always taken that as £1000 (unless you are earning in one currency and spending in another, exchange rates are meaningless. In the old days we used to say, a pound is a pound, is a dollar, is a mark, is a franc. That is now meaningless to anyone but old crones like me!
£500 will do it if you are on a very low income or in very dire straits, and we are as dire as they come at the moment, but there's nothing for it but to get tough and start again.
I was just wondering if anyone would like to join me?! Anyone else back at square one step on and needing to draw that 10 x 10 grid .....