New house....new me.....new start.....

Happytogetdebtfree

Me too I think 2011 will be a year for many in diary land to remember :-) xx enjoy the snow xx

Choc-addict

Morning diary!

It's still lovely and snowy outside, love looking out of the window whilst i'm working away

So mini to-do-list to see me through the weekend -

• Check online banking, see if can transfer some more savings.
• Have a cheap weekend - spend as little as poss
• Work overtime available
• Sort/clear rooms in house (with OH's help of course! )
• Do stock check of cupboards/freezer and write a list for online shop to be ordered once snow has gone.
• Write Christmas cards
• Wrap Chritsmas presents
• Do some exercise, even if a nice walk in snow
• Eat sensibly, staying away from the chocs!!!

Enought to be getting on with. I also want to pick up my diaries for next year in a bid to get organised properly. I am buying a page a day diary one for finances and one for personal goals and i'm going to keep them both as as journals throughout my year of 2011. I'm feeling super positive and long may it contiune! Personally I have a few aims (still being finalised) which I will keep a diary for and achievements along they way - I want 2011 to be balanced but mainly aiming for a debt free life.

Oh and I have another incentive, if I can get debt down to a more managable level or even gone then we can start thinking about trying for baby - what more incentive do I need! We discussed it last night and agreed as it stands there is no way we could consider trying as too much debt outgoings, only takes for a pay cut, redundancy or something alike (not to mention reduced pay whilst on maternity!) and we'd be almost living on one wage.....no acceptable for me as I don't want my littles ones to see us struggle in the way I did with my parents/I did as a child. So even more incentive and must keep it in mind when focusing on debts!!! I need my debt repayments to be 1/4 or less of my basic monthly salary before I can commit to little ones, I want to be able to consider going part time etc and that'll def not be an option for me at all at the moment. I would also like some savings to fall back on....all these things eh!!

Sorry for my wafflings, really only for me to vent so sorry if I bored anyone :rotfl:

Off to re-jig my goals and then I can post them....small steps but big goals!

Choc, xx

LittleMoog

Yay babies We're hoping to start a family soon but we want to clear our debts first. I qualify for my work's full maternity cover in September, so we want to clear out debts before the end of 2011 so we can start a family in 2012. I hope it will be a memorable year for us as well :j
I can keep us motivated by posting pics of my gorgeous nephew and nieces :rotfl:

Choc-addict

LittleMoog wrote: »

Yay babies We're hoping to start a family soon but we want to clear our debts first. I qualify for my work's full maternity cover in September, so we want to clear out debts before the end of 2011 so we can start a family in 2012. I hope it will be a memorable year for us as well :j
I can keep us motivated by posting pics of my gorgeous nephew and nieces :rotfl:

It is exciting isn't it Jules but the debt busting has to come first for now I'm really up for making 2011 count and it'll be the change forever needed for a more secure and sound financial future, even if that means working 7 days a week....rather do the hard work now and then I can relax later

I have a notepad going at the moment brainstorming ideas for financial freedom all over the place :rotfl:

xx

penelopedee_2

Hiya Choc, you sound very determined today

Choc-addict

Evening diary land!

Well weekend of nothing but work for me, be it proper work or work at home. Got lots done though and have earned a few extra £'s for Jan pay day.

Day ended tad frustrating though, my laptop has decided to crash which means basically I have to travel up to office tomorrow to see if they can fix it. Keeping everything crossed that they can or i'll be in London for a while which costs me lots of ££££££'S Hey ho, got to work so trying not to let it get to me until I know the damage tomorrow. Tom will cost me £50+ in travel etc but i'm hopeful they'll sort it or at least have a spare for me to take home and use meanwhile.

Still very focused and brainstorming to hit 2011 hard with the debt busting, OH totally supporting me so i'm really going for it. Who knows I may even become debt free!

Right back to my research....reading of everyone's diarys and tips....jotting down anything good that I feel can help me.

Enjoy the rest of the weekend,

Choc x:)

Happytogetdebtfree

Ah no choc hope it's fixable and it does not end up costing too much in travel money xx well done on all the working xx

Choc-addict

Hello,

Not been on for a while as been stuck in London with work :mad:

Anyhow back working from home now and back from our weekend away in snowy Wales....we're were snowed in. Beautiful, never seen anything like it and made walks far more interesting and fun!

Right so onto the news......OH IS NOW MY FIANCE/HUSBAND TO BE!!!!!! Yes he proposed over our weekend away, planned it all and made it very special indeed :D:D:D:D:D I haven't stopped grinning since Saturday eve and we're both really happy and excited :j

Will be back with vengance on the old debt busting and now wedding saving/planning

Choc xx

OrangeFairy

OMG OMG OMG OMG

How fantastic!!!!!!! Especially after all this year wondering if he would do it soon etc! What day did he propose? My engagement anniversary was on the 19th Dec!

What a fantastic way to end the year - a new house and engaged!!!!!

Congratulations to you both xxxxxxxxxxxxxxxxxxxxxx

OrangeFairy

also want to be nosey - how did he propose???? xx