Thrifty and Frugal in 2013

capricious

Morning all,

Im starting my new year a month late but I have a block about doing anything new in Jan as it seems like a resolution and we all know how they tend to turn out.

I have 4 CCs with about 16K debt on them, which I know i can clear in April but i need to learn to have better control of my finances so that they dont start building up again. Not all the spends were frivolous as we have jsut moved into our first home in Oct so some furntiure etc was required, perhaps not at the price i paid but i wanted to buy once and keep it.

In addition i seem to have acquired a pesky unwanted 5 stone which also needs to be kicked into touch with immediate effect.


So a signature will be coming which will detail

Credit Cards
Mortgage
Car Loan (5 years 0% finance starting in april)
Bike Loan
Weight Loss

This diary will be full of my inane ramblings and spending/eating wins and blips as I learn to take control of those things I dont like about myself and my life. :eek::T:eek::T

never_too_old

Good luck :-)

capricious

woot woot

one NSD under my belt and today should be a NSD as well, Im taking a basket weaving course and lunch etc is included.

tho the best new is that today the scales show me just squeaking into the 13s :D:D:D

onwards and downwards

never_too_old

well done,it always feels great to break through another barrier:j