A question about : My new diary......................
Hello everyone,
Happy new year, 2015 already! Time flies when you are a grown up doesn't it!
Ok so this is my 3rd attempt a diary & I am determined to keep this one going! I always let it fall by the wayside.
I intend to keep this running for the next 5 years cos in that time I have a few things I want to achieve.
1. Save Ј25,000.00 for a house
2. Pay off all the debt which is Ј5,570.82
3. Cancel 2 credit cards
4. Cancel the catalogue
5. Save Ј1,000.00 for an emergency fund
6. Weigh 10st 7lbs
So that's it sounds easy all written down there but then life gets in the way & messes up all those plans!!
We have a cruise booked for 2016 so the 2015 budget will be mainly spent on paying that off then also saving for spending money.
At the same time as that will pay off at least Ј100.00 to the debt each month so that the figure slowly comes down, as soon as the holiday is done then around Ј500 a month will go to the debt & around Ј300.00 a month to saving for the house.
I probably shouldn't have booked a holiday while trying to manage all these other things but I couldn't help myself!!
Will keep you all posted on how this plan comes along & will try to update each of my goals on a monthly basis.
Now I just need to go & eat all the Christmas chocolate that's left in the house before I go back to Slimming World on Saturday!
Dxxx
Best answers:
- Whoop whoop. The party just started. Great to see you back.
- Feels good to be back INOD.
Dxxx - Good Luck, I have a similar goal ish so I'll be following with interest
- Hi Dolly Rocker!
Good Luck with all your goals, they are very similar to mine, even down to the 10st 7lb goal weight
*subscribes* - Well this is going well - haven't updated since I started on the 2nd January 2015!!
Dxxx - Good luck with the debt busting and weight loss dolly, your doing fab already! 18Ibs!! You go girl!!! You'll reach your goal weight in no time!! ^_^
10st 7Ibs does seem like the perfect weight doesn't it?
I'd love to be 10 1/2 stone too....but right now I weigh 15 and when I think about how much that is, I reach for the chocolate in defeat before I even start - 1. Save Ј25,000.00 for a house - Not gonna be able to start on this until May 2016 due to the fact that I booked a cruise. Roll on April 2016
2. Pay off all the debt which is Ј5,570.82 - I have started this but I need to get an organised look at all the figures so will give another update on the 1st February 2015
3. Cancel 2 credit cards - I am working on clearing these balances right now & then as soon as they are zero those pesky little bits of plastic that have been a part of my life for too long will be banished to the big bad fire
4. Cancel the catalogue - Again just clearing the balance on this right now should definitely be all cleared & cancelled by the end of 2015
5. Save Ј1,000.00 for an emergency fund - This isn't going really well at all, I have committed to taking my OH to Rome for his 40th Birthday so this will really come into play in 2016
6. Weigh 10st 7lbs - This is going to take me an awfully long long longgggggggggggg time! I would love to be there or at least very close when I go on my cruise in April 2016. To help myself along the way I have given myself a challenge to lose 52lbs in 2015, 2lbs gone this year & 50lbs more to lose for me to achieve this
So there we go this is my update so far. Not goin well on some points but I am still aiming high.
Let this be the year when I change my mindset & habits to make way for a better life with no debt.
Dxxx - Hi Dolly
I'll be reading with interest too. I need to clear my cc and then work on lowering the mortgage to either get rid completely or at least have enough equity to be able to move to a 'slightly' bigger house so that baby no 2 might be possible.
A weight loss in there somewhere would be lovely too, the 10st 7lbs sounds very to similar to where I would like to be too. Good luck with it all - Its all seems very easy when its all written down but then life has a good habit of getting in the way of things.
Oooooooh exciting times then for a 2nd baby, how old is Harry?
10st 7lbs is the dream I swear its been since school I havent been that weight!
Dxxx - Heeeey. I am happy to chip in to help you keep on track?
Sounds like some of your goals are similar to mine too! I thankfully done the debt thing a couple of years ago and saving has been a bit of a slog. Still plugging away though.
I hope you've eaten your Christmas choc, give you time to lose weight before Easter comes around I keep getting back on the gym horse and falling off. Have lost a couple of lbs in January so all good.
Do you do Slimming World club every week or how does it work?
Good luck with your list. It seems manageable enough I reckon :-) - I will join you on your weight loss journey Dolly!
Starting on Monday! (Isn't it always start on Monday?? xD)
I'm going to my aunts house after work tonight because she made curry goat and roti, which I can never resist!
Then this weekend I will be at my sisters house and I have dinner with her and then another with a friend...so that's two dinners this weekend and I feel like if I start today...I'll just feel like a failure come Monday...so Monday it is! xD
Yay for Rome! I'm going to Rome as well this May with a few friends for the 25th bank holiday weekend and I want to lose at least 3 stone by then!
I have the 30 day shred DVD and I plan to wear it out, plus lots of fruits, salads, soups...NO MORE CHOCOLATE!! (Or crisps, which are my biggest weakness xD)
WE CAN DO THIS!
Your cruise sounds so exciting! Roll on 2016! Have you ever been on one before? - Barclaycard - Ј3992.40
House of Fraser Card - Ј956.59
Santander Card - Ј212.88
Isme - Ј408.95
Total - Ј5570.82
- 358 reads