Achievements of 2006, goals for 2007

Catseyez

Excellent thread and one we can all look back on in twelve months time!

Achievements of 2006

i) Became debt-free in July 2006, having previously thought this would never be possible. Am dead proud of my achievement! :dance:
ii) Managed to make the 12 monthly payments into my savings account, meaning I will get the bonus at the end of this month. This monthly payment would have previously been money that would've been frittered away on some useless c**p.
iii) Decided what I want to do with my life and made a career change.
iv) Completed the first term of my degree (with very good results) which is necessary for above career change.
v) Lost more weight and am back into clothes that I've been unable to wear for the past three years!

The past year has certainly been a very positive one!


Goals for 2007

i) To remain debt-free and not fall back into my old ways.
ii) To complete the first year of my degree and get a good result.
iii) To continue the MSE way and make the most of all the money making opportunities (e.g, student 0% overdraft put in savings account, quidco etc)
iv) Get rid of my unwanted junk through local paper, ebay, boot fair etc. This might take all year as there is a lot of stuff! :eek:
v) To lose another 7lbs.
vi) To continue monthly savings

That should keep me going for a while. As I did with 2006, I will give myself until Christmas 2007 to achieve all of this.

Happy Christmas and a Prosperous New Year to One and All!! _party_

:xmassign: :xmastree: :santa2:

learning_to_drive

Right, let's see.

Achievements this year:

* Having Lightbulb Moment
* Getting to grips with finances and admitting issues that I have
* Starting to plan - Snowball
* Claiming back bank charges / starting the process


Targets for next year:

* Get a job in retail and hold it down
* Overcome the recent health issues
* Become a careful spender once again (diary etc)
* Pay off HFC / Mint / Catalogues
* Not take on any further debt

There are more, but one step at a time

evab_2

Achievements for 2006:

* Realised that debts just add up if you're not truthfull to yourself
* Started meal planning and making a list when shopping, have saved ££££'s
* Started 2nd job to help pay debts quicker
* Use old style tips and make own toileteries and cleaning products for fraction of normal cost
* Have been completing surveys, using Quidco and Pigsback to earn pounds
* Stared reclaiming bank charges - waiting for a reply, just received in the post that First Direct do not agree with my letter and should I wish to do so can take it further!! Help!!


Goals for 2007:
* Pay off loan with money from second job - move to lower interest rate at same time, will pay off 2 years early
* Start saving properly
* Continue with good deeds and remember the mess we have been in

scottishsuz

Achievements for 2006

+ Having my LB moment
+ Discovering this board
+ Pulling myself up by the boot straps and increasing my debt payments
+ Cutting back on sweeties and junk food
+ Starting to learn the difference between 'need' and 'want'

Goals for 2007

+ Pay off my AA loan
+ Negotiate the best possible renewal for my mortgage
+ Reduce nights out/money spent on nights out
+ Become really good at only buying what I need
+ Start batch cooking again
+ Keep my flat tidier (not debt realated, but my messy flat does my head in)

dinkylou

Achievements this year (2006)

1) Paid almost £6k off debt
2) Changed mortgage to save £40 per month
3) Managed to save a small 'cushion' in preparation of redundancy

Targets for 2007

1) Find new job which pays as much if not more than old one
2) Clear all debt except student loan
3) Save as much as physically possible in ISA to clear student loan
4) Keep up with DFW ways and not get complacent.

pixie1

Ok my turn...

Achievements 2006

1. Lightbulb moment in Jan / Feb time
2. Sorting out my dmp with the cccs
3. Paying off over 4K of my debt in 10 months
4. Having my first credit card free Christmas since i was 18 (thats 15yrs ago :eek: )
5. Claiming back £700 of current account bank charges and £500 of credit card charges (yes the halifax HATE me )

Goals 2007:

1. Sort out an IVA
2. Menu plan each week
3. Start saving £2 coins again
4. Try and understand match betting
5. Come off prozac

Merry Christmas my DFW friends!

Hugs

Pixie

p.s. fatjock - do you post on other sites using the same name? I post somewhere a fatjock does but under a diff name, clue......youre not fat anymore??? :j

Creditcardkid

Achievements for 2006:

paid off last two cards and loan (total £17000 - inheritence helped )

aims for 2007 - get as big a house deposit as possible:money:

mintymoneysaver

2006
* Cleared my debt
* Discovered quidco and made over £500
* Bought a new car and paid cash
* Lost 12lb

2007
* To stay in the black every month
* To save £2000
* To buy a new bed ( cash)
* To lose another stone

babes21

2006 Achievements
* Got promoted at work
* Dicovered MSE
* Budgetted more
* I owed a couple of hundreds in debt but i cleared that off so i'm officially debt free


2007 Targets
* Save more
* Eat more healthily
* Keep track of my outgoings (spending diary)

poppycracker

Hi all, this is a great idea. We'll have to have a look at it this time next year!

my turn:

acheivements in 2006:

# found MSE
# registered with quidco, pigsback, T&V etc to save points and vouchers
# managed to take control of the household spending
# swapped suppliers on electric and phone
# have stayed within my overdraft for 12 whole months now! (ok, sometimes only just!)
# have kept within budget for Christmas this year!
# Have finally managed to persuade himself that I am not a bottomless moneypit ( :T to him)

aims for 2007

# register for mystery shopping / sell stuff on eBay / register for more surveys (that pay money!)
# use above to reduce debt by at least a third
# not use my overdraft at all this year (thats going to be difficult!)
# save something from wages every month towards Christmas 2007
# use OS tips to cut down more on our household shopping
# lose 2 stone

These aims are going to get printed out and stuck on my wall!!!
well done and good luck to everyone!