Goals for 2014

usa1

judi24 wrote: »

Great thread!!


1. Pay off 9k Credit card debt
2. Loose more weight
3. Excersise regularly - join running club
4. Do something creative
5. Learn to like myself


Mmmm quite a list!

I defiantly need to do your no. 5 too. Sometimes I cant even look at myself in the mirror..

I wish you the best for 2014.

Sabbathdei

Ah the joys of living alone and being able to bring Crimbo home for under £300 (if that) I'm saving a tenner a week for it, should cover presents for fam and something nice for me of course !

Melaniep101

Bedsit_Bob wrote: »

£1,200 for Christmas? :eek:

Yep, I did this last year but spent about £600 of it and paid off £600 from my cc with the rest :-).

Sabbathdei

I tell ya what, this SFD business is hard work...hope to get it cracked soon though
Quick update---will be hopefully booking my theory test this week on the way to becoming a fully qualified [STRIKE]hazard[/STRIKE] driver, £31 !! I'd better pass the !!!!!! !
No small change gained today.

sugartree

Gym_Addict wrote: »

Aims from end Dec 2013 to end Dec 2014:
1: Reduce mortgage debt by overpaying. Overpaid £47 this month.

Hi Gym,

Do you pay your overpayment direct to Mortgage company no matter how little each month or do you store in an savings account and pay a bigger sum?

I ask because it's a goal of mine and don't know how disciplined I would be saving up for a few months each time.

Well done by the way:D

[Deleted User]

Sabbathdei wrote: »

Ah the joys of living alone and being able to bring Crimbo home for under £300

I can beat that.

In total, my last 5 Christmases have cost me £0-00.

In fact, due to me covering Christmas shifts, for people who wanted the days of, you could argue my last 5 Christmases have cost me less than £0-00.

[Deleted User]

Sabbathdei wrote: »

I tell ya what, this SFD business is hard work

Sorry, SFD :huh:

Sabbathdei

Spend Free Day !!

Gym_Addict

sugartree wrote: »

Gym_Addict wrote: »

Aims from end Dec 2013 to end Dec 2014:
1: Reduce mortgage debt by overpaying. Overpaid £47 this month.

Hi Gym,

Do you pay your overpayment direct to Mortgage company no matter how little each month or do you store in an savings account and pay a bigger sum?

I ask because it's a goal of mine and don't know how disciplined I would be saving up for a few months each time.

Well done by the way:D

Thanks


I do 2 things. 1 was by default where I set the overpayment about £10 above the minimum level. I then send them a cheque every month either by post or by paying it at the branch. So it's done monthly. It's a repayment mortgage and I figured even a small amount of overpayment means less interest off each month so more goes towards reducing the sum. Now I got rid of my credit card I can overpay more each month. With the forum aim I want to focus on seeing the mortgage reduce and pay it off early.

Gym_Addict

danielleb1989 wrote: »

Goals for 2014:
1.Pay off my overdraft and cc (around £800) Paid £100 off overdraft
2.Save £6000 towards a deposit for a house (this will be a tough one!):eek: This will have to wait for payday
3.Graduate Currently starting a piece of course work
4.Complete online Teaching Assistant course Will start this next week
5.Start Volunteering Awaiting a start date
6.Change jobs Currently relies on 3, 4 + 5

Little steps but will be worth it

Danielle
x

Well done Danielle.