I love January. The weather might not be the greatest, but there’s something about the first month of a fresh New Year symbolizing new beginnings, a clean slate and endless opportunities ahead. It’s just great! Most of us want this one to be different to last year, by looking for new jobs, losing weight, becoming physically and financially fit, to bring about positive change in our lives. My goals this year are to have:-1. A nice little savings pot,
2. to loose weight and
3. to get physically and financially fit.I found a super app called 5K Runner. Every second day I choose the corresponding program and off I go with my beloved Westie for our 5K run. (He too needs to loose a few kgs too), he’s beginning to look like a barrel with legs. The beauty of this ingenious app – is a voice telling you over the music when to walk and when it’s time to run. The timing is great, at the end of the walk/run you feel like you have exercised, and yet it hasn’t killed you or your muscles. For a complete couch potato like me who hasn’t run in years it is slowly building me up so by the end of 8 weeks I will be running 5 kms without stopping. I can actually visualise myself doing this too.As I was writing my goals down and going over my monthly budget, I was suddenly quite over whelmed by the hard facts – no salary increase in sight, no doubt food, fuel and heating costs would be going up throughout the year. It was going to take some doing to get a savings account going. Then I saw a beautiful pin on Pinterest. Just like my exercising plan, this pin starts you saving slowly and gradually builds you up so by the end of the year you have a nice savings account. Every week you put money into your savings as account as per the week numbers, e.g:Week 1 = £1.00
Week 2 = £2.00
Week 3 = £3.00
Week 4 = £4.00
Week 5 = £5.00I don’t know about you I can afford it this way, because January is always the toughest month, being after Christmas. February is tough too! So just like my 5K app this system is breaking me in slowly getting me use to putting money away so by the end of this year I’ll have £1,378.00 at my disposal. Yes it may mean I have to tighten my belt so to speak, but just like any diet I have to look at cutting down my calorie intake, carefully plan my meals in order to loose weight. Why should I treat finances differently? By cutting down on all unnecessary expenditure I should be able to afford to put money away every week. Watch this space as I put up some money saving tips. Lets all get financially fit this year.