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Home > Life. And a rough draft of goals.

Life. And a rough draft of goals.

February 13th, 2014 at 03:15 am

First of all, thank you for all of the birthday wishes. I had a lazy day. Hubby got me a new phone from the catalogue - which I wasn't happy about - but it was a nice thought. I made sure he is at least paying it up now and I think he used his rewards towards it too. I'm now totally against putting anything on Buy Now Pay Later (BNPL) Or, should I say, anything else that is. There are a few things I wanted to get paid off this year but that isn't going to happen so I've accepted that; I just want to make sure that we don't make things worse for ourselves in the future by constantly paying for past purchases.

My mum and friend came over yesterday with presents. Also, BIL gave me thirty pounds which I transferred to savings - and made a mental note to spend the same on his birthday. I'm hoping that I won't need it.

I had an appointment with the consultant on Tuesday. He thinks my bladder problems are long-term. He said catheter needs to come out because it's been in too long. His solution? I do it myself. I will need to get another sick line from the doctor.

We were talking about goals last night. Hubby mentioned that we need to get a carpet for our room and we need blinds etc. We agreed that we need to save up for these things. We didn't agree or an amount or when to have it saved by though. The money will go into my savings account rather than keeping it separate since I am allowed to save over 5k per tax year tax-free (which has never happened) I'll just keep track of it in my notebook.

I complained to hubby that CC1's balance is barely moving, the balance only went down by under thirty pounds. Right now, my minimum payment is 44. I'll aim for getting it to 25 by December.

So, as a summary, my rough goals are:
1. start a housing fund
2. cc1 min. payment to 25

Thoughts? Anything else I should consider?

2 Responses to “Life. And a rough draft of goals.”

  1. ceejay74 Says:

    Do either of you have any prospects for raises or higher-paying jobs? Do you keep an eye on the market?

    Even though you live a bit beyond your means, it doesn't sound like either of you goes crazy with spending. Part of the problem sounds like just not enough money coming in.

    Sorry to hear about your bladder problem. I'm a chronic UTI sufferer, and my doctor finally gave me something (kind of like an antibiotic except it was safe when I was pregnant) that I can just take one of when I'm most vulnerable to UTIs. It has wiped them out for the most part though I still have to be really careful about the things that trigger them.

  2. Jane Says:

    It sounds like you may be in a little bit of a rut with the credit cards- they have been a chronic payment for so long it just seems like part of life. Maybe doing something to shake up your routine could kick start paying down debt more aggressively? Something like a bare bones "spending fast" using cash envelopes for a month (I mean really cutting down your lifestyle for 1 month- rice and beans, etc), and putting any cash leftover at the end to your worst credit card?

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