New Year, New Me

mennie

I am going to set myself a target to improve certain areas of my life in 2014.


I am in my 30s, Married and currently on adoption leave after adopting a toddler earlier this year. My DH is self employed and his earnings vary month to month.


My Goals are as follows

• Pay £500 extra off the mortgage
• Pay off credit card debt of £375
• Save £2000 in various accounts
• Generate £2000 additional income from vouchers, cashback etc
• Lose 1 stone

So far for January 2014 -I am slightly ahead as I have been paid early - I have

• Paid £35.50 off the mortgage
• Saved £171

Anyone with me?

Flamingo_2

Hi Mennie,

Just wanted to say 'good-luck' for achieving your goals & congratulations on becoming a mummy (i have a 21 month old son). You've certainly made a great start
I'm thinking of doing the 52 week save money challenge where in week 1 you save £1, week 2 = £2 etc until you're a week 52 = £52. This should equate to £1378 in a year.

Have a great 2014!

mennie

Thanks Flamingo


I hade made a start towards my goals by listing 7 items on ebay yesterday and this morning I will be visiting to cashback sites to do the free clicks


I am doing the weekly shop today and have a grand total of £0.91 of vouchers to use.


I wont be able to save as much or throw as much at the mortgage for Jan and Feb and I need to pay off the credit card debt. From March until my adoption pay decreases I should be able to save more.


The weight loss goal will not begin until 4 January after all the nice booze and chocs are gone

littlegreenpeas

Hello Mennie,

I loved your old diary, you are an inspiration. Have subscribed to the new one. Congratulation on your little person and I look forward to reading the back on the wagon version for 2014.:)

LGP

mennie

Paid £24.50 off the debt

WantToBeSE

Congrats on becoming parents I am planning on saving as much as possible in 2014 too..bring it on!

mennie

I have one 99p bid on an ebay item. Every little helps


I have done all available surveys and free clicks the last few days.


So far £2.00 seems to have tracked.


I know this doesn't seem a lot but my earnings/saving potential is limited so the only way I will achieve my goals is small amounts trickling in......

mennie

Not too much to report


I have a £10.00 mystery shop scheduled for Monday, have £1.54 in ebay bids and have been doing my daily clicks and surveys and averaging about £1.20 per day


So far I have ....


Saved £171/£200
Paid £35.50/£500 off Mortgage
Made £0/£2000 in additional money
Paid £24.50/£375 off Credit Card


Out of little acorns.......

mennie

Not entirely very MSE, but spotted a topcashback offer £10.10 when you deposit £10 at sun bingo. 10p profit


I played slots and won and just deposited £200 into my bank!!!


very happy

mennie

So far I have ....


Saved £517.08/£2000
Paid £71/£500 off Mortgage
Made £227/£2000 in additional money
Paid £225/£375 off Credit Card
LOST 6LBS


So far going great guns!!!

MotiMoo

Hi Mennie,

That is a great update Well done on the money saving, paying off debts and also the weight loss!

I have one question. Your credit card, is it at 0%? If not, Martin often advises paying off such high interest debt with savings as you could actually be losing money.

Keep up the great work!

MM x