December goals:
- get and complete budget card application form
- hand in completed application form
- finish cash-only Christmas shopping

I need to write down exactly what I have to buy. If I ever get my vouchers that is. I forgot about my two small (second) cousins so will have to get them a little something too. They're both under 2 and I never see their mum but I am getting their cousin a gift so I have to get them something too.

Ok, here's a rough draft of my 2011 goals:
[] Save for road tax with budget card
[] Apply for a loan
[] (if accepted) use loan to pay off DH's CC debt
[] Increase regular savings
[] Save for a cash-only Christmas
[] Clear credit card 1
[] Clear credit card 2
[] Clear catalogue
[] Start car maintenance fund
[] MOVE OUT

Wow that's more than I thought. I don't know how next year will go so they may change.