The big goal is to get debt free and this is the year!!
My major for the month of January is to pay off my tax payment by the 31st January, so by avoiding any interest chargers. To do this I will only be able to pay minim payments on all my cards etc, but this will all change in February when I should be able to clear my smallest credit card balance and also clear at least half of my flexiloan account. (Yes I know that I had clear both of these last year - grrrr!).
By March I should be down to only two credit cards and probably wanting a holiday somewhere warm? I know myself so well! My job is currently seven days a week and although I am getting time off most days it is not the same as having weekends off each week. The ideal holiday would be ten days in Turkey, where I could complete my scuba diving course. Of cause I would have to take my godson as he also wants to complete his "open water" dive course also and I would be paying for his trip as well. Gosh it all costs money doesn't it.
I would like to be able to clear my debts by July as I have promised my Mums I would come home for a long visit, which is not going to happen if I am still paying off debt.
Having read a book about a women who lived a year on a pound a day - I have been looking at my own spending which I have decide to reduce to £5 a day. Where I am now living that is going to be interesting, everything is so expensive and lunch at a cafe costs a minim of £5 (unless I have fried chicken everyday at £2.85 - not really the healthy opinion) and it is way to cold to be buying lunch at Waitrose and eating it outside.
Well these are my goals for 2009 - need to flesh them out and all that but so far they are very "do able". Now will have to get on and make it happen.....