OCTOBER TARGETS

FINANCES
I really want to cut back on spending this month. I don’t think that we make too many unnecessary purchases, however our down fall are takeaways. We have a freezer full of food and I’m determined to use it this month. I am going to try and only have £10 each week to spend on groceries. To be honest I have no idea if this will be possible but am up for the challenge. All we should need is fresh veg, bread and milk.

We are having a loft hatch and ladder fitted this month which is £235. I have saved this up but would love to try and replace some of this by the end of the month from cutting back.

I have yet to venture onto ebay but hope to give selling ago this month. And also have an old mobile that I’d like to sell.

Hopefully we can claim attendance allowance for mum, which will help with paying for the careers. I have a 44 page form that needs filling in!

I also want to have some sort of plan for the next 12 months. We have managed on one salary for over a year and its just now that we have a little bit more money coming in. It would be very tempting to “waste” this but we both would like to have an overseas holiday next year so we need to sort out what we want/need to save for that and if we can save any for our emergency fund – which has been dramatically reduced over the last year.

HEALTH
I want feel healthier. I have felt so tried and have had a few migraines which I think have partly been due to stress but also think that if I was healthier might be able to deal with the stress better. I know that when I eat better, I feel better. Also I haven’t been swimming for a while due to looking after mum but I have missed it so will make a real effort to go this month.

HOME
The house is a complete mess, each room needs de-cluttering and then decorating. As mentioned we are having a loft hatch fitted which will enable us to get into the loft (we can’t at the moment due to its current location). I need to make a list of what to do and decide what to do first – there just seems to be sooo much to do.

FUN
This month I want to spend time with friends I haven't seen in a while if possible. I have already arranged to call to see a friend tomorrow to give her some strawberry plants I got from Freecycle and catch up. I also hope to go out for a curry (using a Groupon voucher) with another friend. She is in the process of moving house so we might not manage it this month.
At the end of the month another friend and me have booked on a Glass Creations course. It is a free half day course the council is running. We are also doing a rug making one in November. So all in all even though I will be out and about it isn't costing alot.

I think thats all for now - wish me luck!