By in Personal

2017 is going to be my year!

I don't have any resolutions this year, in fact I never do. I don't think they work and if you slip up at any point you feel like you have failed.

I do however have many goals for this year and I fully intend to make it my year.

I have personal goals like losing some more of this weight and eating better, both of which have been goals for the last several years and I have had moderate success with them.

I have work related goals such as courses I would like to attend and possibly some post-graduate study. I have several specific interests within nursing so I really need to narrow my choices down a little before deciding on a post-grad course. I love emergency medicine, its all I ever wanted to do (and what I currently do do) but during my undergraduate degree I gained an interest in health inequalities, specifically access to healthcare within the homeless population. I am also interested in poverty and healthcare and what we can do to shut down these health inequalities once and for all.

Of course I am also building my own business if you remember from my previous post. I love my business, it has given me such enthusiasm for my own wellness and that of others and has already made a massive difference to my life. This year I plan on doing much more than a few hours a week around my full time job, I want to work less at work and my business is going to do that for me. I currently work three weeks of three twelve hour shifts and one week of four shifts - my immediate goal is to drop that fourth day. That means I need to consistently earn around £120 more than I currently do and that doesn't sound hard at all. I just need to increase my sales a tiny amount in order to make that a reality.

I also want to start team building which is something I have always stayed away from. I was never really interested in the business building side of the business, I just wanted to sell some products and make some extra cash. However I have had such fun doing just that and been so inspired by others in the business that I now want to share the opportunity with other people and help them build a successful business, just like I am doing.

I also want us to have a proper holiday. In the eight or so years we have been together we have had one night away in Manchester and three nights in Oban for my 30th birthday. That is it, in eight years!!

Problem with that is that I also want to buy a house and doubt I can afford both thanks to 100% mortgages no longer existing. The bank have said I can have a mortgage but we need to save for a deposit and with house prices the way they are just now we are looking at needing to save a good few thousand pounds. Of course the fact that we are currently paying almost twice the monthly cost of a mortgage in rent prohibits us from saving much if anything.

So I am on a total money saving kick now, the first thing I am going to sort out is the phone and broadband. Our contract is up for renewal and because we are out of contract our monthly price has shot up to over £40! This is the first thing I need to fix, next I am going to cancel the satellite TV which is another almost £40 a month. Then its on to the credit cards, we don't have a large balance, probably less than £1000 but we could still save money on the interest if we get a new interest free card. I also have a bank loan with quite a high interest rate so it might be worth looking into refinancing that.

Wow I have a lot to do!


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Comments

MegL wrote on January 4, 2017, 4:34 PM

You are going to be a busy bunny! As you are in the UK, check out Martin Lewis's moneysavingexpert.com web site. It is excellent for information on best ways of saving money, best credit cards, mortgages and special offers, etc.

Colibry21 wrote on January 5, 2017, 6:29 AM

I wish you luck with all of your goals. I hope you are successful and that 2017 is in fact your year. I'll keep my fingers crossed for you. Let us know how it's working out. I'd love to read about it.

lookatdesktop wrote on January 14, 2017, 7:23 PM

Good luck. I myself don't risk having to pay out long term interest fees so for that reason alone I no longer use credit cards or get loans for anything. but if you can do it and pay off those loans ASAP more power to you. I wish you success.