What do you want to achieve in 2015?

onlygoingforward

Good luck with your property issue NYD.

So does it mean you will end up potentially with negative equity...

sophieo16

update on my goals for this year so far.

1. Pay off my debt to family (£2200) £481.41 of this has been saved so far. hopefully when i get a permanent job this will be able to go up a lot quicker and be paid off a lot quicker. but I'm happy with what has been saved so far for the year.

2. Build my emergency fund back up to at least £1000- This went up to £600 but is now back down to £350 due to car tax payments aswell as other bits. I have been told I have got through to an assessment centre in London this thursday for a job so train tickets and hotel will probably have to come out of this too!

3. Improve my grades at lead climbing (i rock climb as a hobby) All I've done since the New year is lead climb so I'm hoping I'm going in the right direction with this. I also now have a reliable climbing partner, which is half the battle!


4. Climb outdoors- I have a day trip to the Lake District planned for February. if the weather is nice i could potentially get a few climbs in!:D

5. Start & finish the patchwork quilt my sister bought for me many christmases ago (my mam bought me a sewing machine for christmas, so no excuses) I am planning on picking this up from my mams house this weekend so that i can look at trying to complete it in my spare time!

racing_blue

Nice thread. My main lifestyle goal is to enjoy at least two really good family holidays & to spend more time enjoying the company of friends.

Professionally, I want to keep enjoying my work and to develop systems, behaviours and routines to shrink any unnecessary stress.

My qualitative financial goal for 2015 is to maximise my earnings from work and to enjoy spending responsibly on experiences and education for myself and my growing family.

The quantitative financial goal is to end 2015 with net financial assets of more than £-200K (yes, that's a minus sign!) By which I mean savings accounts plus investment accounts minus mortgage balance. On 31st December 2014 this figure was £-236K. To achieve this by a combination of saving, investing and repaying.

sallybunny

I'm a bit late to the party but it's been a frenetic start to the new year so far. So for 2015 I will:

Spend more time out and about with my family
Be as close to debt free as possible
Have a clutter free house (Marie Kondo is marvellous!)
Complete my Chartership and be on my way to promotion
Have a new back door that we've actually saved for
Be well on the way to having major building works finished and on budget

And that should just about fill my year.

Puddylove

By the start of 2016, I hope that I'll have;
- Paid off the £280 on CC1
- Paid off the £1220 on CC2
- Reduced CC3 to £5000 by paying £250 a month.

Increased Savings 1 (intended for house deposit) to £5000.
Increased Savings 2 (intended for a new-to-me car) to £3000


And I hope that I, and all of you will be healthy, wealthier, and happy.

P x

FatVonD

Another update from me (sorry all but it's keeping me motivated )

The front garden is cleared, it looks so much bigger and next door have offered me their leftover black paint that goes on the damp course bit of the house to touch up where the ivy was growing so I will do that on Saturday morning before the estate agents come round.

Once they've all gone I need to put down some bark chips (I think that's got to be cheaper than gravel which I'd love but so would my cats!)

I've spent tonight cleaning the bathroom and downstairs loo. We get some mould growing inbetween the tiles around the shower and I was going to buy the squirty stuff that bleaches it but then I thought i'd try just normal bleach so I tipped some in a bowl and painted it on with my smallest size paint brush and it's worked a treat! It's not 100% perfect but I may top up the grout with more from my mega bucket of tile and grout before freecycling it.

I emailed a couple of contacts today re freelance work for the week I have booked off. No joy so far but as it's half term there is bound to be something last minute so I'm not too worried. Ideally I would like to do just 3 days so I can do something with my mum on another and then a day to myself on the fifth day but will have to play it by ear.

I've just done my online shop for the weekend and kept it under £50 (my goal was £65 per week but I've already got cat food this week using my nectar points so it was a little cheaper) :T

Glad you seem to have the property problem sorted, NYD, I'm sure we're all watching for updates but it's such an unusual scenario that nobody has any experience to draw on for advice!

volensia

My goals for 2015 are:

• Pay off my Car Loan - currently stands at £3750.00
• Save enough money to cover my car insurance and MOT/Service next year
• Have a third of my monthly wage as a buffer in my current account
• Earn a pay increase by April
• Complete a few Microsoft Office Certifications

Newyorkdreams

Thanks FatVonD - I guess it is pretty unusual. I am still awaiting an acknowledgement to my letter so it might take a while to get an actual response!
NYD

Newyorkdreams

Good Morning Peeps!


I am feeling extremely positive this morning (despite having another really bad sleep due to bump related carpal tunnel in my hands which are completely numb and a pulled muscle in my back..not to worry) and thought I would share the positivity!


Hope you have a great debt-busting/money saving day!


Where are all these updates you promised me???


Spread the love,


NYD xx

Cartmay

Hello All

I have been a lurker for many years and have finally plucked up the courage to post!

My goals for 2015:

1. Pay legal fees fighting for permanent residency of DS1 - @£800 per month not done yet, will do when I get paid on 13th Feb
2. Pay off credit card #1 £2873 @ £150 per month - again, when I get paid
3. Pay off credit card #2 £2736 @ £50 per month - ditto
4. Save for emergency fund @ £100 per month - did this
5. Pay for DS1 to go on school trip in June @£50 per month - yup, made second payment
6. Try really hard not to kill my mum who I've had to move in with along with my son, and who repeats the same thing AT LEAST three times, love her.:cool: - failed.
7. Knit a pink scarf for my mum's birthday. Kind of working on this.
8. Read lots of books - just got another from the library - George Eliot, very highbrow!
9. Get lots of sleep - done lots of times
10. Spend lots of time with family and friends - going to the cinema with my big sis tonight
11. Meditate more - not done.
12. Have lots of fun with DS1 - definately doing.
13. BE HAPPY!! - still working on but getting there!

That's it! Good luck to you all and I'll be back (alot!) to read how you're getting on!