"This time next year, Rodney" Hypno's latest instalment
Options
Comments
-
Thank you! It is you lot that keep me on the straight and narrow
Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Evening Lady, good to see a new diary and obviously I will subscribe
2009 I am pretty sure is going to be a fab year for you and your lovely family and hopefully all of us MSEr's :TProud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Happy shiney new diary.
If anyone can do it then you can.
Wishing you all the very best.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
That is *such* a cool name for a diary missus
:T :T Mortgage Total: £55,900 / £75,000
2024 Savings: £25320 -
Hello Hypno, Happy MSE Anniversary to you! :beer:
Your posts are an inspiration to me, who feels lost to sort my money out.
I am taking small steps at present and I look forward to taking bigger steps next year.
Don't know what they will be at present and I look forward to reading your diary so it can inspire me to do the same!:Tfinal unsecured debt to repay currently £8333Proud to be Dealing With my DebtDFW Nerd 1154 Long Haul 1550 -
you know it's quite strange after reading your diary today i went away thinking i need to do something like that ...then i went to a business meeting and it became much more apparent that i do need to get on top of things so i came home and started a list of "outcomes for 2009" and was thinking i think i will start a new diary i know i just started one but i want a more focussed one then i came on here and lo and behold i see you have one ...well done you ...brilliant idea....my areas for working are similar too ...i now have figured out exactly how much i owe and i think i will start a new diary again myself ...sorry going on a bit there just got excited seeing you start one0
-
Get starting that diary, El - you know you want to
beanielou - you posted on my very first "newbie" thread on MSE - it is people like you that made me feel welcome! (you're probably regretting it now that you can't get rid of the bloody woman!)
Anyway, here are the first two sections of my plan as they appear so far......
Employment and money earning potential
- To remain in full time employment throughout the year. To do the best job we can in order to earn the maximum money we can without causing us an unreasonable amount of additional stress.
- To undertake a reasonable amount of additional work – second jobs, teaching, clients, etc and be able to turn away work that doesn’t suit us for whatever reason.
- Meet with business partner twice a month to do work on download site, and push marketing through, writing articles and blogs and looking for additional ways of doing so.
Financial
- To stay within overdraft and credit limits, so that we do not occur charges or fees.
- To do an “audit” of the accounts every month, just after my payday, to ensure that nothing has “crept in” eg magazine subscriptions from quidco etc. Cancel anything that needs cancelling.
- Check online banking every day, maintaining the notebook to know exactly what is coming in and going out, together with savings and expected cash due.
- Prepare realistic budgets to include car expenditure, holidays, and work to be done to the house. Arrange savings pots where appropriate.
- Shop online for groceries once a week – the same day every week, to keep shopping budget regulated.
- To aim for NSDs at least twice a week, by being better prepared with packed lunches etc.
- To reduce outstanding debt by as much as possible, aiming for £30k reduction to take us to just having the secured loan remaining at the end of 2009.
Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
Loving the thread title...Bring on the new year!0
-
Loving the thread title...Bring on the new year!
And without wanting to wish my life away, "bring on New Year 2010" :T Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
This discussion has been closed.
Categories
- All Categories
- 343.5K Banking & Borrowing
- 250.2K Reduce Debt & Boost Income
- 449.9K Spending & Discounts
- 235.6K Work, Benefits & Business
- 608.6K Mortgages, Homes & Bills
- 173.2K Life & Family
- 248.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 15.9K Discuss & Feedback
- 15.1K Coronavirus Support Boards