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  • annibee
    • #2
    • 2nd Dec 10, 7:34 PM
    • #2
    • 2nd Dec 10, 7:34 PM
    Carry on working from my spreadsheets and plans that ive been working from so far.

    And I want to clear Ohs biggest CC problem. Im also determined not to apply for any loans or unneccesary credit for the whole of 2011.

    Im keeping my car for at least another year unless it completely dies regardless of how rubbish it is.

    Im making sure I save enough each month to ensure when my tax and Mot come up next year i will already have the money

    Continue saving what i need to for Christmas 2011

    And be spend savvy when new baby arrives.

    Other than this my resolution is to keep hope and remain positive something I struggle with at the moment.
    I, not events, have the power to make me happy or unhappy today. I can choose which it shall be. Yesterday is dead, tomorrow hasn't arrived yet. I have just one day, today, and I'm going to be happy in it.

    Never Look Down on People unless you are helping them up


    Wins - 5 Voucher, Book, Sat Nav



    • happycrafter
    • By happycrafter 2nd Dec 10, 8:59 PM
    • 420 Posts
    • 4,543 Thanks
    happycrafter
    • #3
    • 2nd Dec 10, 8:59 PM
    • #3
    • 2nd Dec 10, 8:59 PM
    I have a few resolutions for 2011

    keep to my meal plans and shopping lists
    become more self sufficient making jams etc when fruit is naturally available
    stick to my sealed jar challenge
    lose weight
    get more chooks hopefully ex bats
    try not to worry about money (harder said than done as I am a natural worrier about money)
  • Watalie
    • #4
    • 2nd Dec 10, 9:12 PM
    • #4
    • 2nd Dec 10, 9:12 PM
    I love this

    I'm going to keep to my spreadsheets and make sure I stay being a serious DFW
    • brummiebabe
    • By brummiebabe 2nd Dec 10, 9:24 PM
    • 1,868 Posts
    • 5,170 Thanks
    brummiebabe
    • #5
    • 2nd Dec 10, 9:24 PM
    • #5
    • 2nd Dec 10, 9:24 PM
    Well, as I'm ending the year with more debt than I started with (due to really expensive car repairs) I think I need to set some DFW new year's resolutions:
    • As of 1st January - to work out my 2011 budget and stick to it!! Never normally put money aside for clothes etc & that's what causes me to spend on my card
    • To be DF by the end of 2011 - the debt is at 0% for longer than that, but really want rid of it asap!!!
    • To maybe even save a little......
    • To start a sealed pot & not to break it open within 2 months, when we're a bit short!
    Here's to a prosperous (?sp) 2011!!!!!
    20p Saver Club #33 60p/100
    Christmas Saving 0/1300

    Saving Target 2014 25/1000
    • Herewego
    • By Herewego 2nd Dec 10, 9:45 PM
    • 2,519 Posts
    • 7,582 Thanks
    Herewego
    • #6
    • 2nd Dec 10, 9:45 PM
    • #6
    • 2nd Dec 10, 9:45 PM
    Im hoping to clear all of our debt by christmas 2011 not sure we will make it but im going to give it my best shot.
    MARCH 2016 DEBT 25750/ 25035
    EST DFD JAN 2021 (that needs to change)
    NOW JAN 2019 (that still needs to change)
    • beanielou
    • By beanielou 2nd Dec 10, 9:45 PM
    • 57,981 Posts
    • 238,530 Thanks
    beanielou
    • #7
    • 2nd Dec 10, 9:45 PM
    • #7
    • 2nd Dec 10, 9:45 PM
    Just to be money aware all the time & keep my eye on the ball.
    What about you then Ms London?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • Sharon87
    • By Sharon87 2nd Dec 10, 9:49 PM
    • 3,554 Posts
    • 3,036 Thanks
    Sharon87
    • #8
    • 2nd Dec 10, 9:49 PM
    • #8
    • 2nd Dec 10, 9:49 PM
    My DFW New Years Resolutions are:

    - pay off my overdraft - 1500 limit, but rarely go near the limit anymore.
    - Make sure I get decent jobs next year
    - Go to less events
    - See if I can move to a cheaper house
    • choogirl
    • By choogirl 2nd Dec 10, 9:56 PM
    • 1,274 Posts
    • 2,190 Thanks
    choogirl
    • #9
    • 2nd Dec 10, 9:56 PM
    • #9
    • 2nd Dec 10, 9:56 PM
    I have several resolutions for 2011

    Try and halve my debt by June 2011
    Reduce my grocery budget by at least 20 per month
    Save
    Keep my finances organised
  • bikerfrenzy
    my plan is to try and get rid of one the defaults i have from sainsbury's bank through the ombudsman.
    pay off the 1700 i owe to LTSB CC and move my bank account somewhere else if they will have me.
    pay my sister the 1600 she lent me
    understand, control and reduce my spending and sell the piles of stuff i don't need on ebay to help clear the debt.
  • diamondpanther
    Hopefully I'm half way there I have started with supermarket saving stamps and post office budget account for car tax etc, have also signed up for the Christmas club voucher saving club (did that the other day) also managed to find unused vouchers on tesco site thanks to ML and Team, I have a sealed pot which I am determined not to break as it's so nice so when it comes to the moment it's full will proberbly spend hours trying to rechieve whats in there, also have a an appointment with CAB next week to sort our last lot of debts and repayments for next year.

    so in a nutshell I am hoping very much to be more money concious and plan ahead more with meals and daily challenges and try to have NSD's which I managed very well during the poppy appeal as i was so busy.
    Looking to a brighter happier future
    Nectar reward card= 6.08, Budget Card Savings =50.00, Tesco Saving stamps= 20.00, Sealed Pot =??not opening yet.

    • Little bit dizzy
    • By Little bit dizzy 2nd Dec 10, 10:33 PM
    • 628 Posts
    • 6,591 Thanks
    Little bit dizzy
    Great new thread! My plans are:
    1. Meal plan every week
    2. Batch cook where possible
    3. Continue 'Finance Spreadsheets'
    4. Pay all bonus payment (Jan 11) to CC1
    5. Ebay the clutter from my life without buying more 'stuff'
    General rule: be aware of every penny spent...
    I myself am made entirely of flaws, stitched together with good intentions...
    • mum2one
    • By mum2one 2nd Dec 10, 10:37 PM
    • 16,154 Posts
    • 60,024 Thanks
    mum2one
    Mine are to be more productive on debt free front,
    plan is do a new spreadsheet and stick to it,
    make sure get payments set as soon as the statement comes
    be more organised with money
    set some money for car
    xx
    Tackling the debt free life one day at a time xx
    RIP Dad, - Always love you, - He was 1 in a million xx
    • rainbow81
    • By rainbow81 2nd Dec 10, 10:48 PM
    • 397 Posts
    • 1,388 Thanks
    rainbow81
    Ooh I love a good plan! Thanks for asking as it's made me have a think.

    I plan to:
    • be debt free (consumer) by the time I'm 30 (26th Apr)
    • save steadily aiming for 5000 (by 31.12.11)
    • meal plan/online grocery shop better!
    • get a more balanced view of debt - ie going into overdraft for some shoes is not good, going into debt for OU course is acceptable (though not preferable).
    • keep a close eye on spreadsheets to avoid the starve/binge cycle I seem to get into with money
    I know some of my targets aren't "SMART" as such, but I find myself denying myself anything that costs money and then blindly buying things I don't even want in some mad panic.

    R xx
    Last edited by rainbow81; 02-12-2010 at 10:51 PM.
    • Sharon87
    • By Sharon87 3rd Dec 10, 12:57 AM
    • 3,554 Posts
    • 3,036 Thanks
    Sharon87
    Oh one more thing

    Ebay things I don't need! Hopefully make enough money to go towards holiday or driving lessons!
  • Gemmzie
    Pay off the last little bit of my debt and buy a house
    No longer using this account for new posts from 2013
    • determined new ms
    • By determined new ms 3rd Dec 10, 7:48 AM
    • 7,036 Posts
    • 41,513 Thanks
    determined new ms
    oooooooooo what a lovely thread - I resolutions

    ok
    • stay debt free
    • give up smoking
    • get back into running
    • continue to save 350 each month into my ISA
    • aim to save 500 in my VSP for xmas next year
    I think that'll do me. Better to achieve a few things than fail at loads!
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
    • phoenix_dragon
    • By phoenix_dragon 3rd Dec 10, 9:02 AM
    • 411 Posts
    • 2,392 Thanks
    phoenix_dragon
    I want to clear my credit card, and save some money in preparation for trying for a baby. I can't wait!
    Total debt as of 1st September 2017 12,742.82
    • josephine82
    • By josephine82 3rd Dec 10, 9:19 AM
    • 359 Posts
    • 355 Thanks
    josephine82
    Ooh, I like this thread
    • Re-think my budget with my new salary (just got promoted) making sure I've got a realistic amount of money for everything but that I'm still saving a large chunk.
    • Keep focused on saving, hopefully about 650 a month.
    • Save for 2 holidays- skiing and a sun hol somewhere
    • Start educating myself about the house buying process
    • de-clutter my house and life a bit, maybe make a bit of money in the process!
    Debt Free as of 2nd October 2009
  • determinedtodothis
    My news years...
    • up my monthly payments to my credit cards
    • stick to my budget religiously
    • actually put money in the sealed pot this year
    • use ebay to get rid of stuff i don't want
    ....learn how to spell! LOL
    TOTAL: (1.9.2008) 20,971.00 (02.12.10)11,006.07
    9,262.93 Paid off (Since LBM)
    Debt Free Date 2021 2015
    Savings 100 Dec NSD 11/20, Sealed pot challenger 1043
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