Overall from different sources my goal is to generate at least £2,010 of extra income in 2010. This money can either be passive or alternative. January was better than February, but still some progress was made; I'm not counting my tax refund as extra money earned as I knew that I was going to get one, just not quite so much; I put most of it straight into a savings account and want to forget about. It's only there if I ever really, really need it.   February Earnings:   £13.5...

This post originally appeared on No More Spending in November 2008 My Top 10 1. Stop using your credit cards - cold turkey 2. Keep a spending diary and examine every area of your spending 3. Reduce your grocery spending 4. Menu Plan 5. Sell anything and everything - snowball your debt 6. Educate yourself about personal finance - borrow books from the library 7. Start blogging or join a forum - this provides extra motivation 8. Organise yourself -missing payments only add...

I've realised this week that I've been focusing too much on things that I haven't achieved, opposed to things that I have, so I'm starting a weekly feature on things I have done. This week I've.. Had my haircut and it feels great. I feel so much better about myself and its make me feel even more motivated about the whole lose weight/get fit goal I'm currently on. The cost was £35, including tip, so not too bad. Booked flights to Lisbon in July. The flights were a little expensive ...

Yay I got a tax refund, a £1,067 tax refund. So happy. I'm going to put £1k into my personal savings account, and £67 into my clothing fund account....

I've been reading back through some of my old blog posts and they make funny reading; the highs and lows that I went through paying off my debt are well documented and I now realise just how much of a rollercoaster ride I was on; not that I would change anything. I needed to go through it all to change my habits and move on. The same principals now apply to my weight loss goal; there is no quick fix to twenty years of overspending, like there is no quick fix to twenty years of over e...

Nice and simple. What I would like to accomplish in March. Health 1. Lose 7lbs; continuing with my one main goal focus this year I want to lose another 7lbs in March. I've lost 8lbs since Christmas so it's heading the right way. I'm not calorie counting I'm just concentrating on the food I'm eating, no crap. 2. Make 6 a day a habit; this ties in with the above; I'm concentrating more on my fruit and vegetables intake than anything else. In February this went quite well; in March I want it ...

Thank you for all your recommendations on cash only systems. After thinking about it for a while I decided to stick to using my debit card, but use my spending excel sheet columns like cash envelopes. I've attached a copy of how it looks below. Each spending category, which falls into cash spending, has its own column/s with the budgeted amount at the bottom; when you put any spending in the sheet, its set up to take the money off the budget figure and leave the amount left to spend. This solv...

Can you attack two major goals at the same time? I know I can't. For the last five years, alongside the debt payoff, I've been trying to lose [lots of} weight, and it just hasn't happened; for whatever reason it seems I could only tackle one big goal at a time. Anyways now the debt has actually gone {I still struggle to believe it sometimes} I'm moving on to my next major goal; losing the fat. I wasn't always overweight. Eight years ago I weighed a happy, for me, 140lbs. I felt grea...

It's the last few days of the month and so far I've not completed one of my mini goals for February! There are no excuses as I've had the time to complete them all, just no inclination. Why? I have no idea....