Happy 2018

Hiya

Happy 2018!

I know I haven’t posted in a while, Christmas keeps me so busy and my mum and dad were poorly so was doing a lot of their Christmas jobs too!

Hope you all had a lovely Christmas, I was very spoilt by all my Family! lots of Family time was had. Christmas is my favorite time of year, seeing all the family eating lots of food, films, blankets just everything!

So now we enter 2018, what are your plans?

I have been thinking, everyone does new year new me blahΒ  blah blah

This year I want to focus on my finances!

I have a budget app called You Need A Budget (YNAB for short), I highly recommend this for anyone who needs help budgeted their money. It has helped me so much.

How it works is you have to give every piece of money a job, down to the penny it needs to be allocated to a job. I have managed to save more money by working with this.

I have never really been good with money but this year I want that to change.

I want to focus on bringing my debt down and my savings up, I have one holiday which I booked last year. (Tenerife next month woohoo). I do want a new car but I am happy to postpone that to clear some debt down.

I also need to cut down my spending (shopaholic!) I want to focus more on me and blogging and reviewing products I already own.Β I have so many products to get through and by buying moreΒ it just mounts up. (I know a girlΒ can never have too much but I have no space!)

I wantΒ chuck myself back into reading, crafting and baking. I haveΒ stuff to get through and again I haven’t let myself get through them.

This year I am focusing on me.

How about you?

Creative Kate <3

 

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