1) Pay off my overdraft (currently only £526 overdrawn so I have high hopes for this one! And yes, I had this one last year, but at the beginning of last year my overdraft was nearer to the £3,000 mark so I feel I have done rather well.)
2) Improve my finances generally and change the way I spend money.
3) Improve my punctuation.
4) Get back to a more healthier way of living.
5) Start being a bit more crafty, making my own clothes, making jam and chutney, etc (I bet you lot are well excited about your birthday presents now aren't you?!)
6) Get better at this web design thing.
And there are some others, generally about being a more dignified lady (especially at parties) and some other stuff about handling the menfolk better. But that's all a bit too personal to go into here.
So, what are everyone else's New Years resolutions?
Showing posts with label Overdraft. Show all posts
Showing posts with label Overdraft. Show all posts
Sunday, 3 January 2010
Wednesday, 23 December 2009
Before Christmas, how things in my life are progressing...
Overdraft total = £914. Not bad but nowhere near target. But aside from a little indiscretion in Primark last weekend I really have been very good. New target is by end of March at the very latest.
Health = I have been suffering from a cold for a week (a whole week! Unheard of in my land), I have eaten my entire weight in Quality Street (in fact, I reckon I look like a Quality Street right now) and I have done sod all exercise for a fortnight. I am going to become fat and spotty and horrendous.
Crafty/web design progress = I have made nothing and I have learnt nothing new about how to web design.
Improving punctutuation = Errrrrrm...
Lovelife = I refuse to answer this.
Job = Actually going quite well! However, just one hour and 39 minutes and then I won't have to worry about that for a whole week and a half. WOO HOO!
Health = I have been suffering from a cold for a week (a whole week! Unheard of in my land), I have eaten my entire weight in Quality Street (in fact, I reckon I look like a Quality Street right now) and I have done sod all exercise for a fortnight. I am going to become fat and spotty and horrendous.
Crafty/web design progress = I have made nothing and I have learnt nothing new about how to web design.
Improving punctutuation = Errrrrrm...
Lovelife = I refuse to answer this.
Job = Actually going quite well! However, just one hour and 39 minutes and then I won't have to worry about that for a whole week and a half. WOO HOO!
Tuesday, 1 December 2009
On day five, five ways in which I have started to get my life together...
1) I got paid yesterday and put a whole hunk of cash into my overdraft. I am now only £749.52 overdrawn. Not so bad!
2) I have got my mits on a hula hoop (for free) and tonight plan to hula hoop my stomach into oblivion.
3) This morning I did half an hour of yoga instead of being a lazy arse in bed.
4) I actually bothered to shave my legs
5) This lunchtime, I got all my food for the week and spent a tiny weeny £9.33. Tonight I shall make a recipe from the World Cancer Research Fund's budget bites cook book: Salmon pasta bake, which should last me four meals. If it's good, I'll post the recipe tomorrow.
2) I have got my mits on a hula hoop (for free) and tonight plan to hula hoop my stomach into oblivion.
3) This morning I did half an hour of yoga instead of being a lazy arse in bed.
4) I actually bothered to shave my legs
5) This lunchtime, I got all my food for the week and spent a tiny weeny £9.33. Tonight I shall make a recipe from the World Cancer Research Fund's budget bites cook book: Salmon pasta bake, which should last me four meals. If it's good, I'll post the recipe tomorrow.
Thursday, 26 November 2009
Looking to the future...
I have a small confession to make.
I am not doing as well at the whole paying off my debts thing as I had previously stated. In fact, I haven't even looked at my overdraft for a fortnight because I'm really scared that all my hard work will have evaporated into dust/been given to all the shops on Oxford Street.
I blame Christmas. I was doing alright, I swear financial guru, I really was. I was following your well thought out plan, I was saving money, it was torture, but it was tolerable torture and I was doing ok.
Then I went to Westfield. My mum took me to buy me a coat for Christmas. Then I planned to put the rest of my Christmas money into my overdraft. Yes, you read right, I planned to put Christmas money into my overdraft. HA! Have I met myself for fuck sake? At the end of the day laden with bags I had spent every penny. And you know what? It was damn worth it. I really did need a faux fur coat, a jumper with a tiger sequinned on the front, a black knit jumper dress, a floral clutch bag, two shirts, two round neck black T-shirts, a black and gold suede belt and a floral scarf, I really did! I was on such a high when I got home. The shopping had made me quite drunk. And then I went crazy and spent fuckloads of money on Oxford street, Spitalfields Market and drinking rum in a bar. And then I went to buy a perfume and ended up buying three because I couldn't decide which smell I liked best and they were on a 3 for 2 deal. It was at that point I knew it had all gone hazardously wrong.
Not only is my cash situation a problem, I have to admit something else. I haven't been very healthy lately. In fact, I have been a total carboholic who hasn't worked out for a week or two (it's been so cold in the mornings!) and my hard worked for abdominal muscles are well, jellified. And I'm getting quite spotty. If this is what stuffed pasta does to your skin I'm not so sure it's much of a comfort food anymore.
So, it's about time I stop being a lazy moany cow and get my life in order. And I am going to be a bit more crafty (A great way to save money I'm told). And more web savvy. This is the third blog I've had and I still can't work out how to create hyperlinks. Oh and I've been a journalist and a PR for four years, I've got a first class degree and I still can't use apostrophes. So any punctuation tips would be good too.
So, this is no longer a blog bemoaning my lack of money, this is no longer a blog lusting after things I can't afford (but if you still want to read that, you can go to my simpleblog http://www.sartorialpervert.posterous.com/) this is a turn my life around blog, a postive improve myself blog. Where I will share my hints, tips, recipes and ideas to make me a better person. A person who does things rather than buys things. I have 365 days, starting from tomorrow, to get my act together. This time next year I will be a far richer, craftier, web savier, healthier, better punctuated woman.
I just need your ideas! So please send them to me at ginger_princess365@yahoo.co.uk and I'll make sure I feature as much as I can.
And going back to the overdraft. Right, time to be brave. Let's have a look: £1,137.60 Oh shit fuck shit rubbish fuck shit shit bugger. Worse than I thought. :(
I am not doing as well at the whole paying off my debts thing as I had previously stated. In fact, I haven't even looked at my overdraft for a fortnight because I'm really scared that all my hard work will have evaporated into dust/been given to all the shops on Oxford Street.
I blame Christmas. I was doing alright, I swear financial guru, I really was. I was following your well thought out plan, I was saving money, it was torture, but it was tolerable torture and I was doing ok.
Then I went to Westfield. My mum took me to buy me a coat for Christmas. Then I planned to put the rest of my Christmas money into my overdraft. Yes, you read right, I planned to put Christmas money into my overdraft. HA! Have I met myself for fuck sake? At the end of the day laden with bags I had spent every penny. And you know what? It was damn worth it. I really did need a faux fur coat, a jumper with a tiger sequinned on the front, a black knit jumper dress, a floral clutch bag, two shirts, two round neck black T-shirts, a black and gold suede belt and a floral scarf, I really did! I was on such a high when I got home. The shopping had made me quite drunk. And then I went crazy and spent fuckloads of money on Oxford street, Spitalfields Market and drinking rum in a bar. And then I went to buy a perfume and ended up buying three because I couldn't decide which smell I liked best and they were on a 3 for 2 deal. It was at that point I knew it had all gone hazardously wrong.
Not only is my cash situation a problem, I have to admit something else. I haven't been very healthy lately. In fact, I have been a total carboholic who hasn't worked out for a week or two (it's been so cold in the mornings!) and my hard worked for abdominal muscles are well, jellified. And I'm getting quite spotty. If this is what stuffed pasta does to your skin I'm not so sure it's much of a comfort food anymore.
So, it's about time I stop being a lazy moany cow and get my life in order. And I am going to be a bit more crafty (A great way to save money I'm told). And more web savvy. This is the third blog I've had and I still can't work out how to create hyperlinks. Oh and I've been a journalist and a PR for four years, I've got a first class degree and I still can't use apostrophes. So any punctuation tips would be good too.
So, this is no longer a blog bemoaning my lack of money, this is no longer a blog lusting after things I can't afford (but if you still want to read that, you can go to my simpleblog http://www.sartorialpervert.posterous.com/) this is a turn my life around blog, a postive improve myself blog. Where I will share my hints, tips, recipes and ideas to make me a better person. A person who does things rather than buys things. I have 365 days, starting from tomorrow, to get my act together. This time next year I will be a far richer, craftier, web savier, healthier, better punctuated woman.
I just need your ideas! So please send them to me at ginger_princess365@yahoo.co.uk and I'll make sure I feature as much as I can.
And going back to the overdraft. Right, time to be brave. Let's have a look: £1,137.60 Oh shit fuck shit rubbish fuck shit shit bugger. Worse than I thought. :(
Wednesday, 11 November 2009
I've just realised... I can't afford Christmas
Ok, so I'm on track to be debt free by the end of the year. Apart from one tincy wincy problem.
Christmas. I have no money for Christmas.
I initially thought I would have some cash in my contingency fund to pay for Christmas pressies. It seems, I do not. Unless of course I am somehow going to buy eight presents with twenty quid.
*Sigh* I do tend to buy everyone really nice clothes at Christmas (I like clothes, I'm good at clothes... you may have noticed this fact), sadly this year I can barely afford Primark. Oh no, disappointment for all abounds.
Help me! Please comment with lots of suggestions on how I can make fab presents for my family without spending too much/anything!
There are my two sisters, my mum, my dad, my bloke, my nan, my mates secret santa, my work secret santa.
I read an article in The Daily Mirror (http://www.mirror.co.uk/advice/christmas/2009/11/09/50-ways-to-save-money-this-christmas-115875-21807603/) with some ideas but they all seem rather cheap... oh yes, that's the point.
However, I particularly like the tickets to BBC shows and the personalised calendar ideas (points 13 and 21) and there is a huge possibility my family might be getting a load of 'I will do this for you when I have some money' vouchers.
I don't like it though. My parents are always so generous and I love playing the big sister who can spoil her two student sisters.
But what I can't give in money I can give in time. So please people, comment with your ideas! I'm creative! I can make things!
Oh dear, Christmas this year is going to be funny.
Christmas. I have no money for Christmas.
I initially thought I would have some cash in my contingency fund to pay for Christmas pressies. It seems, I do not. Unless of course I am somehow going to buy eight presents with twenty quid.
*Sigh* I do tend to buy everyone really nice clothes at Christmas (I like clothes, I'm good at clothes... you may have noticed this fact), sadly this year I can barely afford Primark. Oh no, disappointment for all abounds.
Help me! Please comment with lots of suggestions on how I can make fab presents for my family without spending too much/anything!
There are my two sisters, my mum, my dad, my bloke, my nan, my mates secret santa, my work secret santa.
I read an article in The Daily Mirror (http://www.mirror.co.uk/advice/christmas/2009/11/09/50-ways-to-save-money-this-christmas-115875-21807603/) with some ideas but they all seem rather cheap... oh yes, that's the point.
However, I particularly like the tickets to BBC shows and the personalised calendar ideas (points 13 and 21) and there is a huge possibility my family might be getting a load of 'I will do this for you when I have some money' vouchers.
I don't like it though. My parents are always so generous and I love playing the big sister who can spoil her two student sisters.
But what I can't give in money I can give in time. So please people, comment with your ideas! I'm creative! I can make things!
Oh dear, Christmas this year is going to be funny.
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