… and what a cold start to the year, I was going home at 3AM this morning and it was minus 5 – hopefully 2010 will be a good year for you all.

I spent most of yesterday sorting out my finances in preparation for 2010 and am hoping that this year I will be able to make some serious inroads with my debts and also continue to build up my savings. I mentioned yesterday that 2009 had seen some serious money needed to be spent on the car and since that happened I have been trying to become less reliant on credit cards and getting used to using cash, of course no one can predict the future but I am hoping that by the end of the year I would have been able to at least halve my month direct debit for my credit cards (at the moment about £80 a month is going for minimum repayments).

I will need to keep better control over my spending, looking back at last year, problems arise with my food spending and what I list as "misc" I have set up a new spreadsheet and will need to make sure that I actually budget more efficiently. I'm hoping that 2010 will also see me developing my family tree, I have done a fair amount of work on it over the past few years and am toying with the idea of buying a subscription to the 1911 census so that I can spend more time trying to trace other branches of the family, checking and the finances are there and I do have a few more days to decide.

My gym membership has ended and I am still wondering if I should renew it for this year as I have not used the gym for the last few months, might pop along there tomorrow to see how much they are charging for membership this year.

This entry was posted on Friday, January 1st, 2010 at 3:51 pm and is filed under General. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.