What do you want to achieve in 2015?

YoungBusinessman

Can i join in!

1. Keep the minimum payments up on my debt(which clears over £1,000 PCM after interest deducted)
2. Keep taking packed lunchs to work!!
3. Run at least 10 miles a week(can be over 5 runs/4runs/2 runs!)
4. At least 2 weight sessions a week
5. No days off from work unless necessary(Mon-Fri job)
6. Stick to all of the above!!!!

Newyorkdreams

Pay off 2 credit cards, 1 loan and £5,000 of debt. 2 credit cards and one loan paid off. :j YIPPPPPEEEEE! £4, 814 PAID OFF so far in 2015.
Save £50 per month for emergency fund. £200 saved.
Sort out mortgage. COMPLETE YAY!! mortgage all sorted and final 25% of house purchased and second charge removed. So relieved.
Finish Mini NYD nursery. COMPLETE! YAY!!
Begin Mini NYD memory book (got the book, just need to start). No progress - looking after a newborn is hard work!
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 by September 2015.
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 from week 6.
Continue to support my dad 100%, research rehabilitation techniques and never give up hope. Ongoing.
Read 4 more books that expand my thinking. Have chosen books - just need to time to read them!!
Read the influence blog and apply it to my professional life. Started an e-book on the topic and read 2 chapters so far. Putting this on hold for now.

Knit_Witch

1. Save at least £215 in my ISA (50p per day) - £52.50/£215
2. Save at least £215 in general savings (50p per day) - £52.50/£215
3. Pay off at least £1k (£85 per month) - £320/£1000
4. Read 215 books (4 per week) – 62/215
5. Read first 10 Kathy Reichs books – 8/10
6. Finish 2 colours on tapestry (at least!) - 1/2
7. Stitch the Winnie the Pooh year – 0/13
8. Knit 12 squares – 4/12
9. Knit at least another 10 rows on the sweater – done!
10. Learn Welsh
11. Lose 12 pounds in weight – 2/12 aaargh!
12. Wear make-up 52 times – 10/52
13. Do 4 recipes from cookbooks not used before – 3/4
14. Do 13 new recipes – 7/13
15. Make some mead

in_need_of_direction

The much delayed post of shame. High points, my mortgage is reducing despite the quarterly interest payment going in on 31 March 2015. Low point, my weight is up to 14 st 11lb. The plus is that I've signed up for a jog belfast project that starts in April. I have kept up savings and pension and am kondoing so items are leaving the house regularly. Hope things are going well for all esp any newbies such as Mia.

theresamum2

Hi everyone Thought i would update my post

1.Pay my rent arrears off ALL PAID

2.Pay off my council tax arrears which are currently at £1480.41 i pay 45 pound a week of it but going to increase it to 50 pound a week when rent arrears are paid off i know its going to go back up in april with new tax year so we have to rearrange how much i will be paying. Now its a new tax year i phoned them i am now currently paying £ 25.29 for this years tax and £ 21.00 for my tax arrears my arrears is down to £1290.41


3.Not to buy anything from brighthouse. Keep getting asked keep saying no doing well

4. Hope get the house decorated. On going chose wallpaper for living room

Thats my goals for 2015

Stereochild

theresamum2 wrote: »

Hi everyone Thought i would update my post

1.Pay my rent arrears off ALL PAID

2.Pay off my council tax arrears which are currently at £1480.41 i pay 45 pound a week of it but going to increase it to 50 pound a week when rent arrears are paid off i know its going to go back up in april with new tax year so we have to rearrange how much i will be paying. Now its a new tax year i phoned them i am now currently paying £ 25.29 for this years tax and £ 21.00 for my tax arrears my arrears is down to £1290.41


3.Not to buy anything from brighthouse. Keep getting asked keep saying no doing well

4. Hope get the house decorated. On going chose wallpaper for living room

Thats my goals for 2015

Congrads!! Theresamum2 sounds like you are doing really good!!
Keep clear of Brighthouse as they will suck you dry!!

theresamum2

Stereochild wrote: »

Congrads!! Theresamum2 sounds like you are doing really good!!
Keep clear of Brighthouse as they will suck you dry!!

Thanks Stereochild i know brighthouse is terrible im paying off the things i have got from them wish i could pay it of quicker fed up of paying it out

joee

I know that I am very late to this but I was wondering if I could join please, I have read this thread and I am feeling really motivated and I have got lots of goals this year.

Personal Development

I have had a lot issues recently with maintaining a good level of mental health – I want to increase my confidence, skills in assertiveness and basically not feel as though I am always in the way!
Not too much progress on this but I explained my needs a couple of times today and I was listened to which was lovely!

Become more aware of my own needs – I tend to put others first at the expense and sometimes total destruction of myself.
See above about explaining my needs

Start and make progress on the level 3 Management Diploma (I need to start this soon as the funding is in place).
Slight delay for this as I have just emailed the tutor asking to delay the induction – I was booked in for Monday but I have got two Waking Night shifts on Monday and Tuesday so it will be to much.

Once I am debt free and in a good place mentally enrol on a care home management course
I have ordered the prospectus, rather excitingly the provider I am thinking of going gives you a free pen and an organisation bag. It’s that saying isn’t it small things please small minds!

Financial

Finally become debt free!
I made my final payment to StepChange and to Family and Friends on the 1st April, I have got confirmation from all of the creditors that I now longer owe them. Just waiting for the payment to be sent out and official confirmation.

Find ways of building up my credit file again
Not much progress on this but I have checked my Noodle credit report and I am up to 2/5 for my credit rating!

Work out budget for once I am debt free for savings and giving myself a little more wiggle room to have a life and a bit of fun!
Done – I have got budgets for food, leisure and professional development!

Open ISA and start saving at least £150.00 a month from August (I will add more if I do some overtime / get on call payment)
ISA has been opened!

Open a Savings Account to act as an Emergency Fund and pay in £50 a month from August until I have got £500 (once I have achieved £500 I will add the £50 to the ISA)
I have opened the Savings Account, I am wondering to rename it when the poo hits the fan fund!

Open some savings accounts to act as little pots of money so I know exactly how much I to spend and set up standing orders to them from current account.
Savings Account all opened each balance currently stands at £1.00 each

Sell all unwanted books and CD’s
Sold about £100 worth so far – I will look up the amount and update here!

Buying Things

Buy new bed - this is a big one for me, the mattress is incredibly lumpy and I think is a contributing factor in the flare up of my back pain
I have looked up some beds but I need to go to a show room really – I have found one that is about a 40 minute bus ride away!

Buy some non - essential items that I have had my eye on for a while in cash (I am after a Kindle and an iPod touch)
I am looking on Quidco and other sites for discounts – I have got a thing about ordering them Amazon and Apple respectively, I know this is not very MSE but I am trying to make as MSE as possible.

Health

Lose weight, I am not comfortable sharing how much I need to lose but it is fair to say I have got a long way to go.
I have ordered some SW books and new scales and started thinking of ways to eat well while doing some very odd (and not body clock friendly shifts)

Take steps to make my lifestyle healthier
Much the same as above and I am finding ways of drinking more water.

Increase activity
I am going to get a pedometer so I can get an accurate record of my steps and then think of a development plan.

Look in to what it takes to complete a marathon (no way near being able to do this now but I like to plan stuff)
No development on this yet!


I hope to get to know you all soon


Lucy xx

Newyorkdreams

Welcome Lucy - it's great to have you on the thread!
NYD xx

Newyorkdreams

Pay off 2 credit cards, 1 loan and £5,000 of debt. 2 credit cards and one loan paid off. :j YIPPPPPEEEEE! £4, 814 PAID OFF so far in 2015.
Save £50 per month for emergency fund. £200 saved.
Sort out mortgage. COMPLETE YAY!! mortgage all sorted and final 25% of house purchased and second charge removed. So relieved.
Finish Mini NYD nursery. COMPLETE! YAY!!
Begin Mini NYD memory book (got the book, just need to start). No progress - looking after a newborn is hard work!
Go away for our first weekend/mini break/week as a family in October 2015 paid for by cash, not credit. We are going away to Haven in June for 4 nights! Paid for by cash, not credit!
Write business and marketing plan for life coaching business with clear milestones, to start in April 2016 by September 2015.
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 from week 6. This week we are going to find out more about baby massage and enrol in a baby music class. We are also going to go for a nice walk and start our new routine now that all visitors have gone home!
Continue to support my dad 100%, research rehabilitation techniques and never give up hope. Ongoing.
Read 4 more books that expand my thinking. Have chosen books - just need to time to read them!!
Read the influence blog and apply it to my professional life. Started an e-book on the topic and read 2 chapters so far. Putting this on hold for now.