I've never been one for New Years resolutions but this year I'm going to put a little list of key things I want to achieve to keep me focused....
1) I will pay off all of the remaining credit card loan from the wedding. This totals over £7k at the moment. But with either bonus or redundancy pay plus putting all extra income towards it will clear this.
2) I will put up a fence in our front driveway / garden. We have quite a problem with d*ckhead neighbours and can be a bit of a drain on our happiness at times. Erecting a 6ft fence out the front to prevent them and anyone walking past from looking into our living room will be money well spent on quality of living. Expect to cost me approx £700 and a couple of long tiring weekends - which I'm genuinely looking forward too.
3) I'm going to start investing for the future. Living to a budget, paying off debt is all well and good but I also need a long term view to increasing my wealth. The earlier I start the more money I will make. Currently I plan to invest a little as a 30th birthday present to myself - at the expense of anything else. Once debt is paid off and we have more than a little extra cash in savings I will put more time and money into this. But expect that to be in 2017.
4) rather contrary to 1 and 3, I will take my family on a holiday abroad in 2016. I have wonderful memories both as a child and pre-child romance with Mrs Money Interest and want to ensure that we put time and money towards this again - it has been 5 years since Mrs abroad. Cost will be kept to a minimum due to other priorities but this will still happen.
Total Debt = £25,202 (Student Loan is £8,475; House loan is £9,527 ; Credit Card loan is £7,200)
Total Savings = £836