What will you change in 2012?

missrlr

Oh and I forgot, loose the extra stone I acquired in 2012, it is not needed!

CoupsRus

I would like to:

Keep a spending diary
Use cash to pay for things
Meal plan
Limit fast food/ takeaways
Enjoy life more
Make a dent on our credit card debt

Sharon87

Hmm a lot for me:

1) spend less money by going to less music gigs. I have spent the last 2 years living it up really, going to see loads of bands and went to 2 festivals this year. My plan is to reduce this a lot. I have 2 gigs planned (£35 altogether) and 1 festival (my holiday for this year), and I've resisted buying tickets for 4 other gigs already, so well done me! I have a small list of bands I will see if they come to London (Green Day, ACDC for example), and I won't see bands I've already seen unless the ticket is £10 or less.

2) Join the gym and actually use it - £20 a month no contract, 15 minute walk away from my house, next to a large Tesco, so I can food shop afterwards!

3) sort out my food intake, eat healthy, less crap and less alcohol.

4) Keep my finances neat and tidy. I have lost it this year with my spreadsheets. I have one for income to see how much tax I'm owed or owe at the end of each year, but I haven't been on top of it this year. Mostly because employers always forget to give me my payslips!

5) Get debts down - already started, just been accepted for another 0% card for 20 months on Virgin, so finally bye bye old student overdraft! You've been a pain! I now have 3 credit cards, 2 0% and one for spending at 15.9%.

6) find a boyfriend, which will hopefully happen when I've lost a bit of weight, and then he can put me on his shoulders at gigs/festivals, as I am under 5 foot and it's hard to see sometimes!

7) don't buy any crap shoes/coats just because they're quite cheap. Better off spending a bit more on something that will last

8) Decide exactly what path I want to go down in my career, because currently I'm uncertain and floating around at the bottom of the ladder.

9) Pass my driving test!!

kjp

Wow, what a great thread! I don't tend to make resolutions, as I am far too harsh on myself and never acheive them, so these aren't resolutions, just things I'd like to do next year.

1) Pay off credit card. There's less than £1k left on it, and I'm determined to get rid of it by May when the interest free runs out.

2) Seriously get somewhere with my house fund. If my finances stay as they are (incomings and expenditure) I should be able to get £7.5k in there by the end of next year. Aim is to increase this by spending less and making more money on Ebay etc.

3) Lose weight (a recurring one!) I don't need to lose much, about a stone, but if I don't do it now, it'll slowly keep creeping back on!

4) Exercise more. I bought a bike last May and have used it twice, so the aim is to use it more than twice next year!

5) Complete my studies - I've been slowly beavering away at an OU degree for five years, and my final year starts on January 28th.

6) Don't let the little things bother me.

7) See my friends more. Weeks go by and I realise I haven't seen anyone apart from family, OH and colleagues, and I need to make more of an effort.

8) Take more pride in my appearance. I have a toiletries and make up habit, but then never use them! So, try to moisturise at least once daily, and wear at least one type of make up a day - even if it's just a quick swipe of mascara.

9) Write my CV - I've not updated it in 7 years. Not with the aim to change jobs just yet, but so it's there, ready.

10) Finish my 100 things to do before I'm thirty list (actually writing it!) and achieve at least 15 things on it before the year is out.

I'll save this thread, will be good to see people updating as the year progresses!

Happy New Year all! :beer:

km1977

I need to change sooo much in 2012!!!

I need to call all the companies i owe money to and sort out some sort of payment plan for a start!!!!!

I have started walking/bikeing to work and putting the money in a sealed jar £3.20 a day!!!

taking packed lunch to work and saving money I could spend £4-5 a day so i put half of that in the jar too!

To manage my time better stop sitting on butt on ddays off etc doing nothing lol

organize my house so it resembles a family house and not a dump site!!!!!

to stop wasting food!!!!

To start acting like a grown up lol

BusPass_2

This is going to take your breath away but I have one goal for 2012.

Take savings to £100,000.

Please don't think I am boasting. I started on my debt free journey in 2002, £42,000 down the stank, and have completely turned things round but it has been a long hard journey with many highs and lows. Been there, seen it, done it, got the t-shirt.

I guess I am just a bit further down the road than many of you guys but you will get there.

Spendaholic_Chick

I've decided not to make the usual resolutions (go to the gym, lose weight...bla bla...)that I never keep but I will:

- go to less gigs. i spend far too much money on gigs and i just can't afford it anymore - i have tickets for three gigs already this year but unless any of my favourite bands tour I'm doing no more (this will be the hardest thing!)

- swear less. i manage not to swear in front of my son and my boss, but with anyone else i swear like a trouper. definitely need not to do this at work anymore at the very least

- stop spending money on useless tat. nuff said.

- meal plan

- less eating out and takeaways

bobbytooshoes

Love this thread....really enjoyed reading everyone's resolutions and the best of luck to you all.

Mine are:

1. Pay the remaining £2k off of the CC
2. Loose 1.5 stone for my wedding in September 2012.
3. Improve my confidence and realise I am not worthless / a walk over.
4. Allow myself a treat every now and again (a new top/nail polish) I 'do' deserve it and it will not send my DF mission off course.
5. Not to worry/take everything so seriously - it is no good for my relationship/health.
6. Save, save, save for a deposit to buy by December 2013.
7. And to achieve all of these.....stay positive!

Sallz

This is a brilliant thread, its really got me thinking into what i want for myself this year

1, get these debts under control
2, lose weight 2 stone
3,stay out of the drama at work, i work in such a b*tchy office and because i dont tend to join in with the nastiness it makes me a target, i need to realise these peoples opinions have no bearing on my life
4,start enjoying life with my little boy, you dont need to spend lots of money to have fun
5, stop being afraid of the postman lol
6, get organised

yasmin2

What a brilliant thread and it's got me thinking...

1. I want to change the way I shop. Normally I would run into the nearest (read one of the most expensive!!) supermarkets and pick up a few expensive things every few days. No real organisation to my shopping and it meant I was spending a couple of hundred quid a month (if not more) on a one person household:mad:. I went to Aldi's the other day and did a shop. Having eaten the food over the past couple of days, I can't believe that there is so little difference with the food I normally purchase but there was a huge difference in price. It's made me wonder what else I have been avoiding because of my snobby views about shops?:mad: Though snobby or not, I couldn't find a decent replacement for coffee and I love my coffee lol
Any other suggestions would be welcomed lol...
2. Walk more and use the car less. This tied in with me losing weight as well. A stone would be great...:rotfl:
3.Pay off all my debt in 2012 - MSE is going to be really important with this. I have been lurking here for the past few years and I always fall off the wagon when I don't spend time on here.
4.Spend more time focussing on friendships and cultivating relationships with family.
5. Declutter as much as possible. Have already started with all my paperwork and now going to move into my clothes which I will take to the charity shop tmrw.
6. Pass FINALS.. The very word five months before exams makes me want to throw up:eek::eek: but it would be so nice to qualify with as little debt as possible.

I am going to subscribe to this thread and come back to it at the end of the year. I will see how many of these I have achieved, hopefully a few....fingers crossed.

yasmin