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What do you want to achieve in 2015?

edited 6 January 2015 at 5:33PM in Debt-free Wannabe Challenges
240 replies 28K views
NewyorkdreamsNewyorkdreams Forumite
567 posts
edited 6 January 2015 at 5:33PM in Debt-free Wannabe Challenges
Good Morning Everyone and Happy New Year!:beer:


Last year a number of us committed to achieving a number of goals across financial, social, professional, physical and emotional areas of our lives.


By focusing our mind and efforts and committing to the achievement of achievable but challenging objectives we managed to successfully improve many areas of our lives.


And I'm back in 2015 to encourage peeps to sign up to it this year!


All you need to do is commit to 1 or more goal in 2015 (can be as many as you like but better to keep the list manageable!) either financial or non-financially related and then report back at a frequency determined by you! The more people who take part, the better as the more people the more accountability and the more support and encouragement!


So... are you up for it???


NYD

If you haven’t already, join the forum to reply!

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2019 goal
0/£15000
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Replies

  • Here goes.....




    My goals for 2015


    • Pay off 2 credit cards, 1 loan and £5,000 of debt.
    • Save £50 per month for emergency fund.
    • Sort out mortgage.
    • Finish Mini NYD nursery.
    • Begin Mini NYD memory book (got the book, just need to start).
    • Go away for our first weekend/mini break/week as a family in October 2015 paid for by cash, not credit.
    • Write business and marketing plan for life coaching business with clear milestones, to start in April 2016.
    • Spend quality time with my daughter when on maternity leave, make an effort to go to classes, walks and activities and not dwell on things that don’t matter (as much) e.g losing weight and getting fit.
    • Continue to support my dad 100%, research rehabilitation techniques and never give up hope.
    • Read 4 more books that expand my thinking.
    • Read the influence blog and apply it to my professional life.

    2019 goal
    0/£15000
  • Well all being well, I should pay off £2839.44 this year as a minimum, hopefully a little bit more than that as I get a pay rise at the end of the year.

    I have a baby on the way, due in February so I am hoping that I am able to stick to budget without dipping into the emergency fund much this year.
    Original Total: £34200.78 / Current Total: £24017.00 (July 2017) -29.88%!
    DMP started March 2014. DFD: November 2025
    1. Pay off my remaining debt by June when my maternity leave ends.
    2. Cut back on as much non-essential spending and get a good budget set up.
    3. Save up for a house for me and my girls.
    4. Continue to better myself as i have been doing the last two months.
    5. Start teaching my eldest daughter the value of money and material possessions and how they aren't the most important thing in life!
    6. Be happy

    :D
    Pay ALL your debt off by Xmas 2014 member #126
    Debt to pay....
    Capital One £240 -> £0
    HSBC O/D £2300 ->£869.89
  • Well all being well, I should pay off £2839.44 this year as a minimum, hopefully a little bit more than that as I get a pay rise at the end of the year.

    I have a baby on the way, due in February so I am hoping that I am able to stick to budget without dipping into the emergency fund much this year.

    I am due in February too Meatloaf!! I am breastfeeding again and going to purchase cloth nappies to minimise the impact on my budget. Best wishes :) xxx
    Pay ALL your debt off by Xmas 2014 member #126
    Debt to pay....
    Capital One £240 -> £0
    HSBC O/D £2300 ->£869.89
  • edited 1 January 2015 at 1:20PM
    keepcalmandstayoutofdebtkeepcalmandstayoutofdebt Forumite
    4.5K posts
    Ninth Anniversary 1,000 Posts Photogenic
    ✭✭✭✭
    edited 1 January 2015 at 1:20PM
    On New Years day 2016 I want to report that

    I am in same job (this could be a tall order)

    How much I have managed to save as the emergency fund

    That I have become coupon queen - and how much has been saved through using discount codes and vouchers etc :money:

    That I'll have started shopping at Iceland (Can't wait for this Feb when a certain diet club launch their meals idea in stores :))

    That I have lost more weight (sorry OP) there is a social element to it which I need

    If I have needed to borrow or been allowed, I'll be honest

    To keep my flat tidier and cut the clutter as much as it will hurt, so what I've done away with

    That there has been no booze (unless special occasion) or medisional!)

    How many thank you cards I'll have written

    In addition I am toying with the idea of writing down any key moments during the year, good or bad? bit like having a money jar but just memory building and something to reflect on this time next year

    Jeez here's hoping it's not famous last words :grin::o
    Good luck anyone having babies, so lovely x


  • Dolly_RockerDolly_Rocker Forumite
    5K posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    Oh yayyyyyyyyyyyy we are back!!


    So my 2015 goals are:-


    1. Pay off £1500.00 of the £5,000.00 debt
    2. Lose 52lbs
    3. Save for OH 40th birthday surprise trip to Berlin in December 2015
    4. Add to my emergency fund
    5. Pay for our 2016 cruise & save some spending money
    6. Update on here more regularly


    Keeping it short & simple this year!!


    So glad to have a wee plan in action, I love the new year.


    Dxxx
  • Dolly_RockerDolly_Rocker Forumite
    5K posts
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    Wow 3 babies to be born soon on this thread already!


    How exciting!


    Dxxx
  • Love this idea! My goals for 2015 are:

    1. Start being more sensible with cash ( I tend to withdraw around £50 a week and fritter it away on bars of chocolates, magazines, Costa coffees, silly trinkets from Accessorize, ect )
    2. Clear away clutter and donate things I don't need to charity shops.
    3. Close one of my credit cards.
    4. Go on a mini holiday to Paris and keep saving for my big holiday in 2016.
    5. Attend more meditation classes at my local Buddhist centre.
    6. Get healthy ( by eating sensibly and actually going to the gym I joined last year! )
    7. Study hard to get results that I can be proud of for my Open University course.
    9. Read many more wonderful novels and try and get my manuscript finished and sent out to agents.
    10. Find love.
    11. Add to both my ISA and HOLIDAY funds.
    12. Be happy.
  • pozza_73pozza_73 Forumite
    195 posts
    Happy New Year everyone. My 2015 goal are:
    1) Have a thousand pound emergency fund.
    2) Finish the Great North Run and the Blackpool half marathon
    3) Pay off my Simply Be account (currently stands at £759)
    4) Carry on making my house nice (there is too many things to do to be more specific).
    5) Not get into any more debt
    Saving for Christmas 2017 £120/£400 :beer:
  • My goals for 2015 are:

    1. Make the most of my days off with my little boy(maternity leave ends Monday and it's gone far too quickly)
    2. Pay off the loan for one of the cars
    3. Complete my final AAT exam
    4. Have a savings fund to cover car expenses, Christmas and any emergencies
    5. Complete my tax return in April and not out it off


    Good luck everyone in achieving your 2015 goals
    Jan 2010 - Overdraft £9,500 / Credit Cards £5,000 / Loan £9,500 / Mortgage £128,000
    Jun 2010 - Overdraft £0 / Credit Card £0 / Loan £0 / Mortgage £125,250
    Oct 2011 - Overdraft £7,000 :mad: / Mortgage £115,295
    Dec 2014 - Overdrafts 15,000 / Credit Cards 16,000 / Loans 25,000 / Cars 18,000 / Mortgages 232,500
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