ok, how far have I go with starting down my list........... I have a pot for my Rainy day fund.

I've never ever been in a position to have savings and would love to have at least £5,000 somewhere for emergancies or a once in a lifetime trip when I retire/have a birthday type of thing. And as soon as I clear the debt then the money that I save for that will go to my fund. Have nearly cleared my credit card, that will be done by Sep...it didn't have a large balance but it was there, and so it will go.

Usually on the 1st of Jan every year I send a list to a close friend of all that I hope to achieve during the year and I get a list back from them. Honestly I don't complete most of mine and then spend the rest of the year beating myself up about what I haven't achieved.

And why haven't I achieved or just DONE any of it???? I'm lazy.
No excuses.

I have also managed not to buy any diet/full fat coke so far. I am addicted but a) it's not good for me and b) money. Money for the rainy day/holiday/debts/fun.

more to follow......