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Looking for the silver lining
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Good morning folks
How come when I don't have to get up for work I'm up at the crack of dawn bright eyed and bushy tailed?
Payday - oddment of £3.67 sent to VSP, money in bank ready for the bills to start going out and credit card paid off. So every penny accounted for before 7am!
I've started thinking about my goals for 2018, I tend to take my life one day at a time as nothing ever goes to plan and as you all know my life seems to have a nasty habit of throwing me curve balls just when I least expect, but I do love a list so here goes:
Get back to WW goal weight after Christmas excesses
Back to work gym at lunchtime 3 times a week
Start building up an emergency fund (already have a small amount but it never gets added to) the eventual aim is £10k
Stick to my budgets and stop overspending
Decorate living room, dining room and spare room
Save to have house repointed (approx. £3500)
Sort out the garden
Use up toiletries, cosmetics I've got before buying new
Read books and magazines I've stockpiled
Work goal is to get promoted so the plan is to get my competencies up to scratch and start looking for another job on the internal job site
All the money in the house renovation pot has been spent so anything that needs doing now will have to be saved for. However, there is a possibility of some funds coming my way as a pension scheme from an old employer is winding up and as the amount is quite small (just under £6k) I might be able to take it as cash.
Talking of pensions, I will be able to retire in October 2026. So, as that isn't as far away as it sounds, I need to get my skates on and get some savings behind me or I'll be at work until I'm 90!
Looking back at 2017, I achieved quite a lot:
New kitchen, bathroom and central heating
Lots of walls/ceilings re-plastered
Decorated/carpeted/renovated two bedrooms and the hall, stairs and landing
New flat roof to kitchen extension and lean to area
Stuck more or less to my WW goal weight
Recovered from a broken ankle
Mr SA has remained in remission
We've had three lovely holidays - Lanzarote twice and Ibiza
So not too shabby
Have a great Friday allI get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Morning Sun Addict.
That's a great set of goals for 2018 which i'm sure you will achieve, look at what you have managed in 2017 and with a broken ankle, here's to a happy healthy 2018.xx0 -
Your 2017 doesnt look too shabby at all SA!!! Heres to a brilliant 2018 xxMummytogirls x0
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Great progress in 2017 and goals set for 2018 and beyondBUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Had a pottering about day today. Took the dog on the park this morning when it finally stopped raining, it was like a mud bath. Cleaned the fridge, did a freezer inventory and a meal plan for next week.
I think I live in the only place in the UK where it hasn't snowed! Pouring with rain all morning and sunny all afternoon.
Mr SA has been up and about more today - he's well enough to start interfering but not well enough to be productive. He's talking about making a start on DD's wardrobe tomorrow, although if we chip away at it a bit a day it won't seem so daunting. His appetite must be back as he's had 8 slices of toast, some soup and some chocolates.
Have started taking down the Christmas decorations gradually so it won't look as bare, I want everything down by 1 January so I can give everywhere a good clean before I go back to work on Tuesday. Having said that, the lighted twig tree stays up in the kitchen all year as does the lighted garland on the fireplace. Both meant to be Christmas decorations but too nice to put away and I love my fairy lights on all year roundI get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
It hasn't snowed where I live SA, it never does.
Your goals sound good and you've had a very productive year.
We've decided to keep our Christmas lights up until the evenings get lighter, probably until the end of February, to cheer the place up. But I want to take down the trees, cards, tinsel, front door wreath etc on New Year's day because I'll have had enough of them by then.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
please-let-me-be-lucky wrote: »I feel a wee bit the same. I put a lot of thought and effort into Christmas, and I don’t feel I get the same back. It’s not about the presents, I know, but I got a candle that was already reduced and then I got double discount off it too, and a £1 body spray. I bought them both myself for DH and the boys to give me. Even if it was just a bar of chocolate, I would have loved to have had a ‘surprise’. Something that said ‘we thought of you’. Does that make me sound ungrateful? XxI 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.0 -
In the present saga I got bubble bath.
I dont have a bath :rotfl: :rotfl: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.0 -
In the present saga I got bubble bath.
I dont have a bath :rotfl: :rotfl:
Pour it over yourself in tbe shower beanie :rotfl:Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Your 2018 goals look fab, and look just how much you got done in 2017!
Amazing.
I can't comment on Xmas really as this is the first year I have had 'gifts' since leaving home 13/14 years ago
I do think thought should go into gifts though, like you say it isn't the cost but the thought. We give alot of homemade gifts, but each thing is personalised to who we are sending too.“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0
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