Dolly's Diary - 2022 and Onwards

_Dolly_Rocker_ · 21 January 2022 at 5:13PM

2022 and I've decided it's time to start from scratch on MSE.

I've been a previous user for a long time but I am back at square one so closed my old account and started again (same username).

Looking forward to earning my badges again!

My aim for this new diary is the following;

Be debt free by March 2025
Have an Emergency Fund (EF)
Get rid of all credit cards (CC)
Organise my funds better each month
Save for expected annual bills
Shop around for the best deals
Surveys, surveys, surveys
Birthdays and Christmas 2022 all purchases either in the sale or paid for by survey earnings
Remember its a marathon not a sprint
Pick up good financial habits and stick to them
Shop for wants and not needs
Stick to a better budget for groceries and meal plan
Usual life time struggle of trying to get to goal weight and then staying there
Be better organised at home with shopping, chores and all that fun stuff
Stop spending a fortune on toys for the dog
Enjoy life in between all of this

I'm waiting on my statements being produced on 24th or 25th January before I can sit down and put a proper plan in place.

Can't wait to get my funds in order, will take a while and I am good with that.

Dolly

P.S - I had already created this but my user account was deleted so I've had to post again ;-)

_Dolly_Rocker_ · 21 January 2022 at 5:13PM

Debt
£1,138.39 - Halifax
£2,789.04 - MBNA
£2,034.62 - Virgin CC
£4,349.76 - IOU Mum

£10,311.81 - Total

_Dolly_Rocker_ · 21 January 2022 at 5:13PM

Halifax
£1,138.39 - Debt total
February 2023 - 0% expiry date
£88.00 - 13 monthly repayments

£88.00 - February 2022 - Paid

_Dolly_Rocker_ · 21 January 2022 at 5:14PM

MBNA
£2,801.40 - Debt total
November 2022 - 0% expiry date (£517.40)
January 2023 - 0% expiry date (£584.78)
April 2023 - 0% expiry date (£596.94)
July 2023 - 0% expiry date (£736.92)
July 2023 - 0% expiry date (£365.36)

This one needs a bit more planning, be back to update later.