Your finances should be more stable now and it's the right time to make a realistic plan for your future bank balance.
You have done a lot of taking stock of your finances lately and you should be in a much more stable situation. Today it's time to make a plan for the future. Working out where you want to be, with a deadline, is half the battle and is fantastic for motivating you to achieve your goals. Set out a realistic plan and be clear about how you are going to make this work. This will focus your mind