What are your financial resolutions?
Happy New Year!
I always look forward to January as the chance for a new start. After the chaos of Christmas, I’m hoping for a calmer month. Usually I come up with a lengthy list of New Year’s Resolutions, but this year I’m keeping it simple.
So – drum roll please – my financial resolutions are:
- A low spend January. Our post Christmas credit card bill will be pretty chunky, so I’m keen to spend less this month! I’m starting with attempts to use up the contents of our kitchen cupboards, fridge and freezer. I *may* have gone a bit overboard stocking up for all our visitors over the festive season. So stay tuned for progress reports on stocktaking, using up leftovers and frugal food shopping.
- A no spend challenge on clothes. I was given some Christmas cash for clothes, so I nipped out yesterday to get a top and jumper in the sales. But otherwise I have plenty of clothes, I could just do with shedding a few pounds to fit back into them. So from now on, my resolution is to make the most of what I already have, rather than buying anything new. Aside from replacing underwear if needed, and investing in a decent pair of running leggings, I’m keen to see how long I can last without spending more money on clothes. Anyone else keen to raid their current wardrobe and join a ‘buy nothing new’ challenge?
- Tidying up our investments. 2019 will be the year I finally move my investment trusts to a better value website. Ever tried comparing investment platforms? It makes my head hurt. But I’m determined to crack on and get this sorted.
Now – over to you. What are your financial resolutions for 2019? Do share in the comments, I’d love to hear. Maybe we can all support each other to stay on track!
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I always set lots of goals across five main categories: finances, family, fitness, work/career & personal. For the finances this year, I have:
-Spend less than $250 on clothing for me
-Earn $3k in side hustle
-Stick to our budgets (travel especially!)
-Increase our charitable donations
-Come with a 3, 5 & 7 year plan (in seven years, both kids will be out of the house)
Author
Exciting to think about your future plans. Hope you meet this year’s financial goals too.
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I could have written “I have plenty of clothes, I could just do with shedding a few pounds to fit back into them.”
I have been putting off buying clothes for the same reason and I am going to use my Christmas money to but pampering experiences which I will very much enjoy!
If I could lose a stone I’d ‘discover’ a whole new wardrobe waiting for me! Back to Slimming World last Monday with a three pound gain but renewed resolve for this week.
Author
Happy New Year Eloise! All power to your elbow with the renewed resolve back at Slimming World. Let’s both lose a stone and rediscover our wardrobes!
This is my favourite blog; I always come back here. I didn’t think I had any financial resolutions; we had to replace the washing machine, the oven, the hob, the kettle, the George Foreman grill, the microwave, the dishwasher AND the boiler last year – so not much scope (or money!) bearing in mind the business went bust as well.
However, I did think of ONE thing; I want to make the house insurance an ANNUAL payment rather than a monthly one. Not sure when it ends actually – April possibly? – but I think you have to be sent a letter at the end of the term now telling you it’s up, am I right?
Thanks for any help and thanks for your blog!
Author
Aw thanks Kathryn. Sorry to hear you’ve had to replace so much last year, and must be incredibly difficult if the business went bust too. Good luck. For the house insurance, yes you should get sent a renewal letter beforehand but you could always call your insurance company now to find out when your current policy is due to run out. An annual payment may possibly be cheaper than paying each month, but it’s definitely worth checking comparison sites to see if you could save by switching insurers. Once you’ve found a good deal, check Quidco and TopCashback to see if you can get any cashback by clicking through from a cashback website and buying direct, rather than clicking through from a comparison website. Hope that vaguely makes sense!
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