I love the new year! So much scope for new beginnings and renewed hope to make the changes in our lives that we need to, whether to improve our health, our relationships, our work situation or our finances. We can do this at any point during the year of course, but the New Year provides a point of focus and is a turning point for many people.
I plan to carry on as I have been during 2014, but to really focus my attention on putting money away. I have some household projects that I would like to do, and I want to do more exercise and lose a bit of weight. I would love to take a holiday too – I know that some money savers would think this an unnecessary extravagance but for us it is really important. We love to travel and get away, but we do it as cheaply as possible.
My top resolutions then:
Pay off credit card by April 2015. I don’t owe that much, but seem to have a small residue I can never quite get rid of!
Install the wood-burner. Mr S will do most of this, but we might need to get the chimney lined.
Save for a holiday.
Put away money for birthdays and Christmas.
Stick to a budget of £90 a week for food, including my Lactofree dairy products, cat food and cleaning stuff. This is going to be a challenge!!
Get quotes for some electrical work in the house and sort out a small loan through my bank. The lights in my daughter’s room and some of the power sockets in other rooms were all condemned over a year ago. I was quoted £1200 to get it sorted and just couldn’t afford to do anything about it at the time. We have been managing with plug in lamps and lots of extension leads, but it’s not ideal. Now that I am better organised financially I will get some more quotes and bite the bullet to get this resolved this year, even if this does mean taking out a personal loan. I will do this as soon as the credit card is paid off.
Repaint the kitchen. I will also source bargain and second-hand accessories and a blind as and when I can.
Refurbish a lovely old dresser I have to go in the kitchen – this was in my parents’ house when I was a child. It is a small one and will be perfect but it needs repainting.
Do more exercise! I will stick with walking and yoga – both free.
Put money aside for the car tax and a contingency fund.
Give up alcohol and chocolate for the whole of January – my biggest challenge!!!!
To clean out one cupboard a week, starting with the kitchen cupboards. I am on a decluttering crusade!
We had a walk into town and around Colchester Castle to start off no 9, to get more exercise. It was windy and rather grey, but it blew away the cobwebs. It was nice to look round a few shops that were open without hoards of people.
That’s it! I have publicly declared them so I now need to stick to them. What are your New Year’s resolutions?