3 month debt/life review

Determined_diva

Hi all

We are 25% through the year!! :T

I always do a 3 month review in march, June, September so that I don't get to the end of the year and regret mistakes.

If you have been good - celebrate! Sometimes we get so focussed on the outstanding debt or what we didn't achieve that we don't celebrate the things we did do!
If not - dust yourself off and don't make the same mistake in the next quarter!
Get ourselves focussed for the next quarter

I am going to post mine so you can see how it's done and hope you join me in this exercise also. It's good to reflect throughout the year on how you have done

Be completely honest with us and yourself to get the best out of it and learn something for the next 3 months .... Good luck!

:T:T:T

DDx

Determined_diva

Review of jan-mar 2013


This first quarter has been jam packed with some of the most expensive things to happen this year.
Big birthday of my best friends
Car mot
Car tax

I have also slacked with my debt repayments - I got too used to living the life I want (at mates birthday for example) I need to be able to keep focussed and think one year of pain is a lifetime of gain!



Best Financial Decision

- Still not using pay day loans
- Lowering my mobile phone bill by £30 pm (all by getting on correct tariff)
- Still keeping my 2nd job
- cutting down on meals out


Worst Financial Decision

- Going out and spending more than what was necessary ( i.e. buying 3 lipsticks not just one)
- Not paying the bulk of free cash on debts as went out instead for friends birthdays - I'm so stupid as I'm now behind!!!
- Not sticking to my food budget - spent too much which ended up getting wasted due to going off!

Priorities and focus for April-June

- Clear 25% of my debt in ratio of 3 months being 25% of the year!
- Keep with the sealed pot challenge as my incentive to keep the money saved if I have paid off my debt by end of year (woo hoo)
- Get my holiday out the way (weekend in Spain end April) so that's the last major expense for 2013 and then. Can throw all my cash to debt.
- Not overspend on the holiday!!!


Specific Changes For April-June

- Keep a spending diary
- Keep aiming to complete ninja saving Kats monthly challenges
- Be more regimental and stick to my budgets I have set for the year
- Sell on Ebay/car boots to help towards debt repayments whilst de cluttering my home.


Specific Goals For April-June

Get down to target at SW... Nearly there!

Determined_diva

Template for you to use:

Review of jan-mar 2013



Best Financial Decision


Worst Financial Decision


Priorities and focus for April-June


Specific Changes For April-June


Specific Goals For April-June