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2013 - the best version of me!

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It seemed appropriate to start a new thread for a new year, but it continues on the same theme, being the best version of me! :D

A quick summary for any new readers! I am in my 40's and long term single. I live in a rented apartment which I love on the outskirts of the amazing city that is Manchester! I earn an OK salary in a job I mostly like but have spent the last 4 years slowly paying down debts from a massive £30k start! :o. However, I have always insisted on 'having a life' whilst paying my debts so I am happy for them to reduce slowly but steadily. I am more sensible with finances now, and save for things like car costs, holidays and Christmas so as to avoid increasing my debt. This is a massive step forward for me! :p

I've been to the gym this morning, which was hard work after 2 weeks off - and I am ashamed to say I have put 4lbs on :o.

I'm not doing the big resolutions thing, as I always fail/give up! I know what my goals are and I intend to keep working towards them in order to be 'the best version of me' :D
Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
Weightloss : 0/34lbs
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Comments

  • beanielou
    beanielou Posts: 95,234 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Only 4 lbs?? Well done you :grin:

    Hope that 2013 is a really great year for you :grin:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • lilmissmup
    lilmissmup Posts: 6,884 Forumite
    Hiya hun, I hope you get what you want out of 2013!!! :D
    Now a SAHM trying to earn some spare pennies each month
  • Mags30
    Mags30 Posts: 1,792 Forumite
    Happy New Diary + good luck for 2013 :)
    Total debt 11/1/2011 €5350.65
    Total debt 12/12/12 €3222.31
    CrazyClothesChallenge 2013 #006 €34.08/€500
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Happy New Year everybody - let's hope 2013 is a good one. I plan to work at making it the best it can be!

    Stayed in last night do no hangover here, just one glass of pink bubbles! I plan on an hour of housework (I like to take my decorations down on New Year's Day!), then a run. I am planning to run a 10k with some friends in March and plan to actually train properly for it! Then I might have a quick look in the sales as I've resisted so far and then am at a family party this evening. I also need to keep on track with eating today. I feel better already for eating sensibly yesterday and want to get back on track with my weightloss ASAP!

    Last day off 11 off today and as usual I feel I could've achieved more - not wasting time needs to be my manta! :)
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • sammy115
    sammy115 Posts: 15,267 Forumite
    Hey Shoe Gal....nice to see you..

    I haven't been around for a while but intend to get back on it and like you become a better version of me this year..

    Right am off to sort the home office out...x
    Quality is doing something right when no one is looking - Henry Ford
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Housework done, run done and a little look around the shops :). Nothing really tempted me, just got a bright top for the gym. Need some new trainers too but may get them with some Amazon vouchers I got for Christmas.

    Am setting myself a little challenge for January! I aim to exercise 4 times per week and lose at least a pound a week - will weigh in each Friday to check progress. Each week I meet the target I will have a little treat at the weekend - make up, Kindle download etc :D. (I am also going to try to fund this from Nectar points, Boots points, Amazon vouchers etc)
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Back to work today! So far, so good - was in early and it seems fairly quiet so far. Lots of plans about being organised with work stuff this year, concentrating and not getting stressed by it! And leaving on time! See how long that lasts!

    Just taken a few minutes for some 'personal admin'! Have sent all this month's payments on internet banking - and it's going to be a very tight month! I have overspent massively in the last few months and really taken my eye off the ball with debt busting! :o I need to sit down and work out my total but I'm not sure I've actually reduced my debts at all in 2012! :eek:
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • Shoe_Gal
    Shoe_Gal Posts: 7,235 Forumite
    Part of the Furniture Combo Breaker
    Long day at work as am busy in the run up to an event. However I have managed to stick to sensible eating although gym and running plans have gone out of the window

    Also had a couple of online sale treats, a black jacket from Next and some half price shoes from Aldo :D. A bit naughty I know, total spend of £60!
    Sometimes it's hard to walk in a single woman's shoes - that's why we need really special ones!
    Total debt @ Oct 2008: £29,226.42 Credit Card- £[STRIKE]7493.56[/STRIKE] - £7243.56
    Weightloss : 0/34lbs
  • Lula-Hula
    Lula-Hula Posts: 7,868 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Happy New Year sweetie,

    looking forward to seeing how you progress this year,

    best wishes for a very happy & healthy one
    xx
  • Shoe_Gal wrote: »
    Back to work today! So far, so good - was in early and it seems fairly quiet so far. Lots of plans about being organised with work stuff this year, concentrating and not getting stressed by it! And leaving on time! See how long that lasts!

    Just taken a few minutes for some 'personal admin'! Have sent all this month's payments on internet banking - and it's going to be a very tight month! I have overspent massively in the last few months and really taken my eye off the ball with debt busting! :o I need to sit down and work out my total but I'm not sure I've actually reduced my debts at all in 2012! :eek:

    I'm in a kinda similar position. Having finished my New Year SOA and worked out what payments need to go into what pots, it has left me somewhat skint due to overspending lightly at Christmas. Luckily everything that needs sorting is accounted for, and I have my Christmas money to pay in the bank (always makes me feel like a big kid!) so I will have a few pennies left, and my spending diary will account for what goes where.

    Still, the feeling of knowing stuff is sorted is good, even if there isn't much left right now!
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