Things I am going to do:
Review my budget on a monthly basis husband in the process ( I will promise him popcorn to get him interested). I always tell him that he should know more about what is going on, I mean what if I drop down dead? I get told off or saying that.
Monitor my bank balances on-line daily & report back on balances and variations to the budget ( I have to - if someone else is not looking then I just can't be trusted).
I am going to do the zone thing to stay on top of my household chores. I am zoning up the garden for the same reason.
Healthier eating with portion control - and of course meal planning, and involving the whole family ( I noticed that it stops them moaning).
Debt clearance and savings - as much as we can bearing in mind we are still covering the family and we lost the value of the property :(
This is what I wanted to happen in 2012:
Work on myself a bit more –
Do something with my hair & general appearance. Some improvement but could do better.
Revamp wardrobe Some improvement but could do better.
Lose 4 stone Big fat fail.
Travel & property plans (I know these things don’t go together for everyone but they do for me)
Plan & take a trip for my 50th birthday which is fun but doesn’t break the bank. We did this but locallt. It was great.
Save around £4000 work on Crete house and grounds. Did it.
Sell the property in Syria – we have a buyer but she can’t go to get the land valued at the moment because of the troubles. Couldn't do this because of the war. Also a lot of additional spending because of the war.
Finance & investment
Clear all non mortgage debt (hopefully using money from Syria)Mope, see above.
Save a small emergency fund. Nope, but we did manage to send $500 or $600 to amily in Syeria each month, so I am okay with this.
Continue to overpay mortgage and get term down to 15 years remaining, Um, no, see various Syria related issues.