Goals...........

Sunday, 27 March 2011

Goals...........

My goals regarding finances. Hmm as I am in a state of flux re work and future plans etc my goals are unclear.
If I go back to Uni it will be a case of keeping ones head above water till the house is sold and I get another job. If I don't go then the house is still being sold and I am looking for somewhere cheaper.
I would like to be debt free- initially get rid of the credito cardio debt then repay the mater/sister with proceeds from the house sale. I will need a new car soonish though hope to get another not too expensive year at least from my chugger. I would like not to add to any debt. I would also like to save more.
I like things to be clear and I am sure they will become so at some point. Regardless of whether I stay or go away to uni the house will be rented so I will need at some point soon to begin decluttering and decorating!
I will either be in Carlisle or living cheaply in Biggles house when he is posted somewhere returning at weekends!

So goals at the very moment are paying off the credito card and not adding to the debt. I have budgeted for £70 per month to go to the debt. This will take 13 months to clear the debt. I have alot less time than this. So I need to make approx 500 to clear it by September. Any extras after the bed frame will be directed towards the 500 quid mark, as will proceeds form car boots, enviroclothes, ebay ventures, spare money at the end of the week.

Once Wednesday is over with I shall reinstate the budget watching. It is pay day on Thursday and the unaccounted for expenses of uni interviews etc will be over.

That's the initial goal anyway September to loose the credit card!!!

Once I move to somewhere cheaper the next goal will be the family debt, car stuffs, mortgage and ongoing frugalness!!! Might have a look at the property market in potential areas just to be nosy!

1 comment:

Unknown27 March 2011 at 10:32
good luck, it takes determination and it's not easy, but it's worth it.
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Why do I Blog!

Well primarily for me its a cathartic get it off my chest / a means to organise thoughts / to take stock. A journal that in 2012 has an interactive ' Dear diary' that is vast.

I don't write to share wisdom. Have very little of that. I don't claim to have an aspirational lifestyle of any kind. I dont write for it to be read even. If it is and my mad mixed up life interests people, makes them laugh, is a bit of a soap opera, whatever then that's great. Blogging - a bit of an affirmation of real life life choices maybe....

Sometimes my blog brings order and reflection to the real world. Sometimes Blogland folks share pearls of wisdom which is very very cool! :-)

I ve gained a great deal from reading other peoples blogs. Different ways of life are always interesting. I don't get involved in giveaways or stuff like that. I think its lovely though. Am pants at choosing gifts and it would give me no end of nightmares.

I read blogs before I blogged. Some people share so much and through reading I have learnt a great deal.Practical and otherwise.The tips are fantastic for frugal stuff. As are the stories of strangers lives. INSPIRATIONAL and all wonderfully different.

I m a bit of a roller coaster girl up and down. The blog keeps me more train like. Also an outlet for the negative stuff. A bit like wind. And by that I mean the gaseous stuff. BETTER OUT THAN IN. My blog is then a load of old fart.....this amuses me greatly.

Thanks Dave!!!

Once upon a time the end was in sight and financial freedom from my little debt of under 5k was nearly within my grasp! December 2012 if not before with the benefits of frugality however our friend Dave had other plans!!!!

I was made redundant from my job with a pish package I took what I could find till a full time position. Finally taking a 10k salary drop.

In 2009 I invested in property buying my house with a 15% deposit. n 2011 after three years of home owning and negative equity to the tune of 12k I have finally sold and now have jack bloody buggery shite. What smarts is that I gave up time with my small child in favour of seeking security for us. If only I had done the opposite....... rented, claimed top up benefits and saved my hard earned cash .... quality of life for me and weeny girl for three years would have been be better and we would have a cash sum in the bank and no debt.

You play frugal, play independent, watch your consumption, don't do frivalous sofas or new cars, no nights out at the pub type debt just what you have to! After a double whammy from the government - house market slump and Local Authority redundancy compounded by rural living what is a single mum supposed to do???? = Suck it up, Keep smiling, and use a brush instead of a hoover.