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New Years Resolutions?
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Not get bored of my diary and stick to just one for all year and update it atleast once a week. Have wrote first post out in draft with all relevant information and challenges I intend doing, So I can always revert to that first post when I need motivation, kick up the back side. I see the challenges as mini resolutions. OH and stop lurking of flylady thread and actually join it...lmao.2026 Goals
Live below £14000
Emergency Fund 1 £3k/£1002
Emergency Fund 2 £200 (works a bit like Premium Bonds)
Premium Bonds £1k/£700
Stocks & Shares Isa £5k/£1651
SIPP £9200/2000 -
For my first ever post....
To take back control of my life and my finances..... big changes this year :eek:LBM 26/12/08
Overdraft Dec 08-LBM (before payday) £615
Overdraft Oct 09-GONE!!
Sealed Pot Challenge 09-£45-13
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Dear All,
Really interersting and inspiring resolutions! Keeping 'control' is something that probably underlies everything.
I tend to already think 'do I NEED something?' rather than 'WANT' it. So, in addition to getting a job, I'm going to make a special effort to use everything in the house BEFORE spending any money - that includes food, as well as best crockery and glassware, even shoes etc (as one poster previously said also).
I've even cut down on my beloved charity shop visits (painful!), but hopefully I'll pop in only less in 2009 than before.
Hope everyone had a brill Christmas!
All the best for the New Year!
Please keep the 'resolutions' coming! x0 -
I don't usually make resoloutions as I don't keep them. Thought I will try to go out on my bike everday even if it is only round the block. Helps with the athritis and weight.
If I spend on the dredit card (well it is my ds who orders things off e bay and gives me the cash, that's the problem) I will pay all of it back that he has spent.Anyone who lives within their means suffers from a lack of imagination:beer:
Oscar Wilde0 -
Lose weight-again! Between 1.5-2 stones..Debt-free...and staying that way...0
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I'm in the lose weight club too. I want to lose 3 stones this year to bring me back to my pre baby/holiday weight.
I really want to cut down on crap spending too. No debt but the savings isn't nearly as good as it could have been in 2008. So this year, no weddings, holidays or babies which have seen my spending spiral over the past 18 months. No buying any more stuff, this house is packed to the rafters.
I've told hubby he has until Jan 1st to buy anything he needs, after that we are on strict budgets with all excess cash being locked away in savings we can't easily get at.:A
:A"Everyone is a genius. But if you judge a fish on its ability to climb a tree, it will live its whole life believing that it is stupid" - Albert Einstein0 -
This year I would like to pay off all the wedding (which should be easy as we are asking for money for the wedding and we have savings so if we have to the pay the wedding of with the savings it wil be replaced with the gift money).
Enjoy the wedding!
Claim more money from the goverment for being a uni student and I will be able to claim for more as I will be married and we will go on my husband's income yay!
Apply for benefits because of low income even if it is for only 6/9 months
Save 2k, pay 2k of the loan and keep my job!Debt Then 06.07 - £11,000 - Debt Now £0.00
DFD Aug 20110 -
These responses are reminding me of what William Morris once said: "Have nothing in your house that you do not know to be useful, or believe to be beautiful”.0
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I don't normally do NY resolutions, but hey, why not (spot the similarities wuith others, seems we all want to chnge the same things)
1) lose 1.5 stone (will take me to the weight that I feel happiest at)
2) get fitter (my goal is to do couch to 5k by the end of March)
3) get rid of all the crap I am likely never to use (especially the thousands of pounds of cosmtics I will never use again)
4) Get my debt below £5k£34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
Sealed Pot #389 (2010=£133)0 -
right here it goes i feel more positive this year, i gave up smoking in feb after23 years of smoking, and we have a iva now so should be able to manage money better, so hopefully 2009 will bring weight lose, and a holiday without credit, and to keep on top of housework i can manage downstairs but not upstairs fingers cross0
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