What will you do different next year?

skint_spice

pippo wrote: »

Hi Skint,
We are not posh enough to have a wine bar..
But I echo your sentiments...
Money saved or made MUSt go off debt... not to the pub!!

I'm not posh either lol! I think I see the expenses as a bit extra and not to be counted on so therefore don't include it in the budget and it doesn't matter if I spend it - off to have a look at the snowball with average expenses included this time! this could be the shock I need.

pippo

Wow SS, just looked at your sig.. you seem to be doing so well:j
Be careful about factoring in the expenses 'cos i find that if you keep it all too tight you quickly get to that 'What the F...' stage and spend 10 times more to make you feel ok.

cat4772

Firstly let me extoll my achievements:

In 2007 I:
gave up smoking:j
completely paid off my visa (23% interest)
balance transferred my husbands credit card to a 6% life of balance (from 23%)

In 2008 I will:
Set a budget and stick to it
keep a spending diary (and enter details into it on a daily basis:o)
aim to do 2 - 3 mystery shops per month
Cat.x

Richard_S

southernscouser wrote: »

I'm gonna try and get the number of notches on my bedpost into triple figures! :cool:

Only another 100 to go then!

Hi ss,

By definition that must make you a w@nker.:D

I appreciate there's a very limited number of people I could say that to without causing offence.:A :A

southernscouser

Richard_S wrote: »

Hi ss,

By definition that must make you a w@nker.:D

I appreciate there's a very limited number of people I could say that to without causing offence.:A :A

Takes one to know one!

notanothergreyhair

The main thing that I am going to do is to give up tv and wasteful internet browsing.

I say give up the tv, I mean set myself a strict amount to watch, which will probably be two football matches a week maximum.

Richard_S

southernscouser wrote: »

Takes one to know one!

You got me in one you sexy beast.:D

taxi73

What a great thread,
IN 2008...I plan to
Take packed lunches to work(something I'm too lazy to do at the moment)
Do my daily clicks and enter comps as they do mount up over the year
Give up smoking once and for all
Try and keep on top of my housework
Pay £20k off my debts and have a free christmas

Candy0107

Hi,

What I am going to do is.......

1) file away statements/wage slips and other financial things
2) stick to my budget (I have £50 per month to spend on 'things' which are not in my budget (drinks, mags, parking etc), and track what I am spending
3) Get a 1st class pass in my Book-keeping exam (signing up for course today to start Feb), so that I am a qualified book-keeper
4) Save £2 coins & 20p and under til the end of the year (see sig)
5) Quarterly have a day off work to call creditors to make sure that their balance reconciles with CCCS statements and update my sig
6) Track my savings to make sure that I am getting the best deal available
7) Not use my mobile phone as often. At the moment, I have £80 credit on it, I would like to make that last 6 months
8) Use my gym membership, even if I just do 3 classes per week
9) Continue to take packed lunches to work
10) Eat healthy (including breakfast) combined with step 8 so that I am able to loose the weight I need

hypno06

Ok, here goes. I will:

• deal with the post as it comes in each day
• do surveys when they come in my in-box
• budget budget budget
• not spend so much money on chocolate
• get on top of my housework :rolleyes:
• remember the small things matter - and do those daily clicks!
• not buy anything if I do not have the cash to do so

I am sure there will be more yet......may come back to add them in due course!

Happy Christmas and Happy New Year :xmastree: