Time to Face The Music

Sun_Addict

You soon get back into it.  I hate the first couple of days back after time off. 

RelievedSheff

Sun_Addict said:

You soon get back into it.  I hate the first couple of days back after time off. 

Same here. The first couple of days back are always horrible catching up with what has been happening. It hasn't helped that I was ill for my last three working days of last year so I didn't leave anything in a state to just pick it back up again after the break. It has felt like I have been chasing my tail this week.

On a separate note I forgot that I had not written down my goals for this year.

I think the main one is to end this year with our debt total under £20k.

I would also like to see our savings hit the £3k mark but we have a few expensive bills this year from the van first and then later on for the car and we really need to buy that shed this year as well, so not sure how optimistic that might turn out to be. We shall see.

On a personal note I would like to lose a stone this year.

LittleMissDetermined

Good goals there RS and I think they are realistic You've already done so well over the past year I'm sure you will keep the momentum this year too 
LMD x

milann

With your determination I’m sure you’ll hit the goals.👍

EssexHebridean

Good goals - and great that you're now overpaying the mortgage by a chunk each month too - it's one of those remarkably small things that can have a really big impact. 

I spotted the dog on the MSE review of the year thing - he's such a character and as your diary got money tipped earlier in the year if I recall correctly I'm not surprised he was in there mind! 

alt80

Brilliant goals for the coming year @RelievedSheff. Overpaying your mortgage whilst rates are low will put you in a better position when renewal rolls around, no brainier with your card debt being 0%.

Ha know what you mean re work, I can’t !!!!!! wait for Friday to roll around this week, worked 14 hour days since Tuesday and the list just keeps growing and !!!!!! growing haha. Didn’t completely switch off from business over Christmas either. 

RelievedSheff

It will be a no spends day today. Number 3 for January. A 50% strike rate so far. Will be happy if we can continue with that rate for this month.

Breakfast, lunch and dinner will be from stores. Breakfast was crumpets, we have both taken our packed lunches to work and dinner tonight is Dexter steak burgers with air fried cajun chips, beer battered onion rings and homemade coleslaw.

No jobs for tonight other than walking the dog after work. We are going to get settled on the sofa with a few beers and a cheesy film and chill out. Looking forward too a nice lie in in the morning dog permitting.

RelievedSheff

alt80 said:

Brilliant goals for the coming year @RelievedSheff. Overpaying your mortgage whilst rates are low will put you in a better position when renewal rolls around, no brainier with your card debt being 0%.

Ha know what you mean re work, I can’t !!!!!! wait for Friday to roll around this week, worked 14 hour days since Tuesday and the list just keeps growing and !!!!!! growing haha. Didn’t completely switch off from business over Christmas either. 

It seems to have been a long week at work despite only being a 4 day week this week!

Looking forward to a weekend at home doing nothing this weekend.

milann

Enjoy a weekend of doing nothing RS 👍

alt80

@RelievedSheff yeah it's definitely been a long week, bank holidays always throw everything out of sync.

Weekend at home doing nothing sounds nice, I'm hoping we do that on Sunday. Tomorrow I'll be working again.