Achievements of 2006, goals for 2007

evab_2

My achievements for 2006:

* Woke up to mounting debts in time to do something about it
* Started making extra cash from surveys, quidco, pigsback
* Realised that using a meal planner and shopping list dramatically reduced our expenses.
* Just won a huge hamper in a raffle! mmmmmmmmmm goodies galore

My goals for 2007
* Claim back my bank charges, just about to send further letter to bank who refused initial request
* Use money from second job to pay off £7000 loan shaving 2 years off the repayments
* Stick to my motto's when buying 'Do you need it or want it? If you need it can it wait until next week/month? Can you buy it cheaper?' and ' Look for bargins, its my money so I want it in my account not the shops'.
* Start saving properly.

Thanks to everyone that supports and gives excellent advice.

Merry Christmas / Happy Holidays

savvykaz

ACHIEVEMENTS FOR 2006

1)Also worked out how much our debt is

2)Changed bank from AWFUL Nat West to Alliance & Leicester
reclaimed £2,253 from Nat West in bank charges

3)Changed utility supplier etc

BEST OF ALL - FOUND THIS SITE


GOALS FOR 2007

1)Carry on the MSE way

2)Reclaim charges from credit cards

3) Consolidate card debts onto 0% cards and M&S &more at 3.9% for LOB

kathfisch

I like this thread, thank you brassic

My achievements of 2006:

1. Completed my degree and graduated.
2. Really got into the swing of budgetting... then slacked a bit... then got back into it
3. Learned a lot about myself and am stronger and happier for it.
4. Made good progress in changing habits and losing weight.

My goals for 2007:

1. To keep my spending under control.
2. To keep challenging habits and losing weight.
3. To figure out what I want to do with my life!
4. To go out and meet some new people.

Good luck with your goals everyone

bobbie78

Achievements in 2006
:- got out of a negative relationship
:- got made redundant but negotiated a good settlement (though terrifying at the time)
:- have a job that pays more and is a million times better
:- had lightbulb moment and finally acknowledge debt rather than keeping head in the sand
:- got an isa and savings account from martins recommendations
:- got credit cards sorted at 0% and planning to freeze the new card when it arrives next week
:- signed up on quidco / pigsback etc
:- started saving coffee / ciggy money as well as 2 pounds in piggy bank


Goals for 2007

:- Pay off graduate loan early
:- Pay off the to be frozen credit card and never use another credit card unless paid in full every month and get cash back. (this will be tough)
:- use full isa cash entitlement
:- put a little bit of cash into god daughters trust fund
:- start own business in april if work carries on going well
:- join the money for nothing challenge in the new year
:- quit smoking and coffee habit (or buy a coffee maker through quidco rather than go to starbucks everyday)
:- make own lunches unless I can claim on expenses

kazl_2

Great thread. Been giving this some thought over the last few days

Achievements 2006
New job
Light Bulb Moment
Stopped using credit cards and started living within our means
Did MSE budget
Got car insurance claim settled in my favour after many many months:D
Used xmas bonus and car accident compensation to reduce debts instead of spending them:j
Paid off overdraft & flexi account

Goals 2007
Pay off Lloyds TSB credit card and argos credit card
Close Next account
Stick to budget
Reduce debts below £40,000

slowlyfading

Good thread!

Achievements in 2006:
- Found this site
- worked out a budget
- passed first year of uni, and started 2nd
- turned 20!

Goals for 2007:
- Pay off overdraft
- Save around £1500 at least.
- Pass the 2nd of uni with good marks!
- Lose weight

Gemmzie

Achievements in 2006:
* Found this site
* Cleared £7.5k of credit cards for mum with £4k
* Discovered Quidco and surveys
* Got father to pull his head partway out of the sand

Goals for 2007:
* Get into matched betting
* Get a self administered DMP running asap
* Don't lose the house

biglad

Achievements in 2006:
* Faced upto debts and got in touvh with payplan
* Told people my problems
* found this life saving site
* Really found the value of money

Goals for 2007:
* Get quidco and click back sites sorted, just waiting on citibank card
* increase DMP payment by around £100 with job promotions and overtime
* Keep paying off the debts and get NO credit ( not that i can lol)

newleaf

Great thread!

My 2006 achievements:
Lightbulb fully on in May, after months of flickering.
All debt shifted to 0%.
Finally grasped the point of above shift - ie: have not spent on new CCs.
Have cleared a substantial chunk off debt.
Examined my spending habits by means of spending diary, and now shop mindfully and responsibly. I now make a big effort to find the lowest price for the things I do decide to buy.
Christmas all paid for with real money.
Discovered: Lidl, Aldi, Morrisons, Costco, & Quidco.

Goals for 2007:
To be debt free by Christmas. (Can't wait!)
To continue shopping mindfully.
To accrue some savings for the first time in my adult life.

Brassic

Wow, loads of great acheivements this year - makes me really inspired to do well next year. Will definitely be good to look back on this next Christmas and see who's managed to fulfill all their goals!!

Two9A - good luck for the new job!!

Cheers!
Brassic