In Search Of Me's brand spanking (behave SS!) new 2008 diary...

In_Search_Of_Me

Well the time has come to put the old diary to bed and start afresh in a wipe the slate clean kind of way. Last year didnt go as well as I would have liked on the debt busting front. Partly due to £600 vet & £600 boiler bills...I am obviousy jinxed by the number £600!

So I start the year theoretically just under £29,000 and the aim this year is to pay the CC's off and then its just the loans. Neither loan can be overpaid & they are front loaded so no point paying off early so I may just try & pay one off early for the psychological benefit of doing so! Meanwhile savings will sit in my account after the CC's paid off.

Applied for a 0% card but unsure if I'll get it! If not will plug away at the CC's, highest first, until they're gone!

New year also sees the start of getting back on track with smoking, drinking & excercise. I did really well last year & lost over 4 stone, gave up smoking & drinking (the latter two went hand in hand for me!) but have slipped recently and want to get things back in control. My new Garmin forerunner & I will therefore be plodding slowly although dont hold your breath for a marathon anytime soon! I also joined a book group & womens running network to try & get out cheaply and in the hope that I'll get the balance of being with others and also with time on my own (which I need or I get grumpy!).

Other ways of boosting income will be babysitting, surveys, comps and generally spending as little as possible & being as disciplined as people like taxi! One of the main areas where there could be improvement is the food budget as I do have a tendency to chuck in treats like wine which add to the bill, although my brain forgets it at the time!

So there you go. New year (almost!) new start! All encouragement, kicks up bum and generally chat grateully apprecited along the way!

hypno06

Hi there ISOM! Good for you starting a new diary, and love the title!!

Here's to 2008 :beer:

What is the first financial target for you to aim for?

doodledo_2

Well done with the new diary and good luck with the new start.

2008 is going to be a good year for all of us

In_Search_Of_Me

Thanks doodle & hypno! Its just under £8000 hypno! Gonna be tough but think I may be able to do it!

hypno06

Yup, think positively and you WILL do it!

In_Search_Of_Me

sorry...will! I consider myself slapped!

lunar

we are starting the year with about the same amount of debt, ive got a little more than you. hopefully you will have a better 2008 and you had all your setbacks in 2007. I didnk know you had lost so much weight, i managed 2 stone but that was over 2 years and im hoping to loose a stone in the next couple of months, you will have to share your secret as thats amazing.

good luck for your new start.

Lunar

MissEyre

Good luck, sounds like you have decided what to focus on-now go for it! x

Sea78

hey honey - ooh a lovely new diary

I think you have some brilliant goals for this year and well done on joining the book group etc - that will help with the motivation. What's your first book?

Sea xxxx

Gemmzie

Nice to see another new diary, good luck for 2008 ISOM

taka

Good luck for 2008 ISOM!