New Years Resolutions

Icemaiden

To be happy, healthy and surrounded by the people I love.

youngandreckless

My new years resolutions are:
Give up smoking (properly, I'm still crafty with a drink!)
Eradicate my overdraft and make decent headway on my loan
Get an emergency fund saved and try to have money for car things - I'd like to pay at least half my next car insurance at the start.
Stop wasting money on rubbish (takeaways, mags etc) so I have money to spend when something worth it comes up.
Re-train my brain so that just because I get £x a month, doesn't mean I have to find a way to spend every last penny (and more)
To learn to say no, I'm such a people pleaser and I never seem to please my bloomin' self!!
Grow my hair. Not cut it off when it gets difficult and then regret it for weeks!
Pass my first year at college and get the next year off to a flying start!

Blimey, with all these resolutions I better get some willpower and sharpish! x

Callisto

Oooh, good thread!

My new year resolutions are:

1) Save as much money as possible towards our wedding. Have only managed to save £450 so far, can't have much of a party with that! Hoping to get married summer 2007, so ought to start looking at venues about a year before.

2) Lose weight & take up some kind of sport/hobby to keep the weight off.

3) Get my credit card balance below £2000.

4) Teach OH to manage his money better!

Think that's enough for one year!

xlt_hunter

ooooh - good one ms_london

Right - here is mine

Money wise:

* Clear credit card debt before or (must) in March 06 as shown in signture below
* Sort out mortgage to a new deal to purchase remaing 50% share of my home
* Save, save and save and have £3k for the rainy day - long shot but worth a go.
* then start to overpay on the mortgage

Health & life:

* Proceed to the good life and have more veg + fruit - I live on the junkie quick fix life at the moment - I am good with the kichen, but due to work I can be a bit off (lazy )
* Lose about 20lbs slowly to get to around 13 1/2 stone before my 24th birthday (7 months time)
* Most important, but not in a real rush as it will happen - to have a special women in my life :rolleyes: - sorry I am a shy guy, but have a lot of love to give :A - 2 other women that are important at the moment is my mum and kid sister (3 years old) :rotfl:

Mike

skylight

Since finding this place I am more in control. Budgeting, debts being paid and I am enjoying saving as much as I can on my shopping and still getting deals tokens (holidays!!) from it. :j

So January I will be re-evaluating my budgets and especially payments to debtors. I expect to increase all payments next year and get at least another £1200 shaved off the total debts. Okay, may not seem much, but its a start and it reduces the total time to pay. :T

Also starting an OU course in Pyscology! And really looking forward to getting my teeth into something more taxing on the brain than the Tweenies!

Want to save some money too. We have a Rainy day pot, but at the moment we would only have enough to buy an umbrella! :rotfl: That one came rushing home to me when I thought the fridge had died last week (luckily the bulb had blown and tripped something in the fridge). If it had died, we would have barely been able to afford to buy a new one.

My new regime means that I never buy anything full price anymore. It MUST have a discount (code or otherwise!) or a freebie thrown in. And this is the biggest thing I have learnt from MSE and something I will carry on! :dance:

BWZN93

Mine is to clear both mine and the boyf's debts. I intend to spend xmas financially planning for the both of us and get a plan of action. TBH - our debts arent that massive and can be cleared quickly.

Mine are: £2k overdraft at 0% which I can transfer to a 0% loan for two years, which I will sort in May,

A cc of £150 which I will keep and use for groceries and pay in full as I do now so another 0%,

leaving me to pay off the Next account first which the balance currently stands at £300 - which Im paying £70 a month to clear quickly.

The Boyf is a bit harder (he currently has a very small income so its time to look for a job Mr JW!!)

One overdraft at £1850 paying interest

One overdraft at £1000 on 0% till summer

he goes overdrawn too sometimes so he is learning that im going to start kicking his butt and am going to make him a plan which he then needs to do under orders that failure to do so means kicking him out to go back to his parents.

Anyway - enough of boring you all - my others are to lose a stone and find a career I will actually enjoy.

Jo xx

johanne

Financial ones:

To get my credit card balance under £500 by next christmas (currently somwhere between £900 and £1000 - not sure exactly as im still spending on it )

To drastically cut down on my mobile phone usuage - suddenly shot up to silly amounts again recently - sent 140 text messages in the last 2 days alone! :eek: :eek: :eek:

To adapt my spendings to reflect my new paycut (£100 gross less a WEEK!) and NOT go into more debt

Life and other ones:

To take better care of myself so i can come off my anti-depressants and NOT be ill as often.

To stand up for myself more and be more honest - i bottle things up so i dont "rock the boat" and let people get away with lying to me and treating me like rubbish for the same reason.

To get my hair back to its natural colour (blonde) or at least something other than the colour i have now (black) and have had for nearly 2 years cos theres no way to get rid of it except shaving my head or growing it out :eek: :rotfl:

Willsnarf1983

my new years resolutions are

1) to be debt free by xmas

2) to get to my weightwatchers goal of 13st 2 (which i shud do) and then probably go down to 12st 10lbs and then to start bulking up

3)to find a gf :rotfl:

Cheers

Will

JAMIEDODGER

hi all, new years resolutions are:

1. to pay off remaining debts hopefully before but if not by end of 06 and then start to save.

2. put away a set amount of money monthly in ING account for those things that crop up during year like car insurance, tax, christmas etc

3. to move income to my basic account therefore starting month off in the black, and then proceed to pay off overdraft on my other bank account

frosty

mine are to resist the temptation to put our debt onto our mortgage,( we only owe about £12,000 on the mortgage) and I am scared that if we dont suffer a bit and repay the easy way by putting it on the mortgage we will be back in serious debt very quickly,so we are changing our spending habits,no takeaways,no newspapers or magazines we are doing the grocery challenge,and trying to make my teenage sons accept I am not a walking cash machine.