2009 - me and challanges !

Hi ya everyone,

wow new year...
Im looking it like a nice shiny new crisp book, I know its now the end of Feb and I totally forgot to post bad me !

ok so beginning of the year I started to -
1, Potty train baby girl :0)
2, had a massive declutter *ITS A MUST*
3, organised how I wanted living space and how to earn extra money
4, looked at ways to cut back our debt we have slashed over £1K from Nov-now

ok so the Challenges -

Money --- it's known as PAY A DAY
basically everyday you have to make a payment could be 1p-£1K what ever as long as a payment is made,
I looked at our eating habbits and noticed we wouldn normally eat 3/4 take outs a week ! and not only was we out of pocket we was also filling the clothes,
pizza £25, tikka masala £18/£20, burger night £13 !
burger night was every Thursday so thats £13 to move from 1 account to another
I also make a £7 transaction every Tuesday *pay day* that is to count as a £1 a day payment :0) and I don't withdraw money from my account, I spend more that way, if there is any odd pennies I will put them also into the account for paying off debts
so far as I said above we have cut down £1K off things if not more.
I did a snowball calculation on when the big debt will be paid off it calculated some time in July 2014 but that was £50 payment so I am thinking will be March/May 2014...
BUT after talking to hubby to be *lol* and we pay last payment for daughters creche as she is now 3 years and now gets government funding yay, means £100 extra a month in our bank, will go towards the Overdraft 1st = £600 !! but I have money in my account to whittle it down big time and I will not withdraw till it is all in the account and start saving for the bigger one ! I am determind to not let it take untill 2014 !
ok so take outs go into my account, the £100 to clear the OD then he will leave it in his savings account to clear the non-Flexi Loan £10,885.40p but more will be off it tomorrow making it March 2014 :0)
if I could do a proper calculation and that I know he will 100% stick to putting that £140 odd into the savings a month aswell as my pennies I could calculate literally the exact payments and date it will clear, I think we will have to concentrait really hard on it all, he also needs to start on his xmas fund ! arghh

I am also saving for Christmas next year so far every Tuesday I put £10 aside I have collected £80 :0)
but I also managed to get 9 pressies (I also had more stored away from this year) for christmas I budget £10 per person I have made a saving of £80 !! yay to see the money accumulating is a brilliant feeling,
I have also got both sets of mums birthdays out the way £25 each M&S vouchers *free* was reccomend a sky friend !!
I cleaverly asked mum for clothes and storage for DD for her xmas and birthday and saved loads also !
my birthday mum got me a external drive also saved me loads, its annoying as I was going to buy myself (wish I had the money in my account to use towards the debt)



gotta love the storage :0)

I was also tempted to buy another coat budgeted £40-£70 but me mum sewed the buttons back that was on the sleeves and now its a brand new coat !
I think I should go and get some buttons and save myself more money hehe

there is also a thing I would like to do is home making foods not buy jars, I know we have cut out food budget buy £50, hoping to make batch foods and store them in the freezer and used slow cooker *a must buy item* and I went pound shop and got some take away dishes that are freezable and microwavable :0)
will have to really look into the budget and be tight, I am looking forward to it all GOAL will be 2010/2012 to clear the debts all together including flexi-loan.
my mum also goes Makro's and she told me about chicken packs with around 20 odd breasts in ! we have been buying the frozen cheapo packs 5 breasts for £5 ! we have two breasts each meal time, we would buy 4 packs £20 10 meals,the ones in makro's will last us a while.
I am also a follower of FlyLady and try really hard but I have server depression so what happens when I wake..

Horoscope 5th November 2008

Wednesday, November 5 2008

Your self-confidence is high and you feel the warm urges of ambition. Outer circumstances are favorable and it should be easy for you to push forward in projects and in all aspects of your life. Things may seem almost magical in the way they work to your favor. This is a great time to get things accomplished. You find that you are able to bring more imagination to bear on your goals and ambitions. You appreciate your particular situation and enjoy support from those around you. This afternoon is a good time for surrounding yourself with friends and for having a good time. If you are celebrating the seasonal activities, now is a good time to order the food or reserve your hotel room. Make plans to enjoy some time with the people you love.

ok yes due to circumstances my selfconfidence is high and low, I feel urges of ambition for modelling again, and my fella is supporting me.
Projects are my website I want to get working {modelling} I have been trying to network like mad. the imagination is my new found love for Digital scrapping I love to try new things.
I ordered a pizza tonight and I swear I did not read my horoscope till just now !! but I will look at tomorrows one so I know what I have instore lol

Horoscope 4th November 2008

There is a yearning for adventure and far horizons. To roam, to wander and wonder; seeking freedom and experience and to go where no one has gone before. This could be a time of romantic escapades, a universal love that might not be too particular. This may not be the best time to make important decisions that affect your living situation or life circumstances. There is a need for change, a desire to break with outmoded patterns from the past and a longing for the new, the different and the unique. In-depth discussions and probing conversations with co-workers or friends may give you some focus. This afternoon you will find concentration easier--you are at your mental best. Your analytical abilities are at a high point. Tonight is for family.

hard to explaine this but it is very true I am tring to slim down and get a happier me and change alot of other stuff to do with home and baby and my mental state at times :0(

Horoscope 3rd November 08

Monday, November 3 2008

You may have some ideas about ways in which to organize a particular project today. There is an opportunity to get some insight into some of your problems and responsibilities that may prove of great value in years to come. Break up old habits--get out of ruts, etc. This is a time when insights into your career and practical skills may reach a high point. New and different approaches to management and organization gives you real control over your practical and work situation, as well as a foot in the door to future work opportunities. A written presentation is preferable. A neighborhood activity keeps you busy this month and today is no exception. Take on a helper or two, giving you a break occasionally.

well again its very basic on that im going through, I have decided to follow my sign for a month and see where it leads me I watched a documentary on a man that did this and he ended up winning alot of money lol x

Horascopes ~ Pisces

Sunday, November 2 2008

You will find yourself spending most of this day in cleaning and rearranging your living area. There could be a discussion about some new piece of furniture for your home. This is a good time to just appreciate where you are in the world. You may be dealing with a bossy family member later this afternoon. This person means well, so it would be wise for you to point out, as nice as possible, that you are in charge of your own life. This afternoon you enjoy lighting good smelling candles or creating some sort of uplifting, positive decorations for everyone to enjoy. You are at your most poetic self this evening, able to put your dreams and thoughts into words and communicate them through speaking and writing. You could write a love poem this evening.

This is TOTALLY and utterly mad, I have been thinking about re arranging my home and totally changing alot of things fresh start clear the old stuff and in with new, planning a few rooms for when fella is off work..
plus the bossy family member is my mum, she often speaks her mind and does not realise some times her words hurt alot!
I am amazed about the creating uplifting decorations as I have now learnt all about Digital scrapping !! I am very shocked as this is spot on !
will have to get a daily horoscope to see how well it goes, I remember watching a documentary about a guy that lived 30 days and nights following his horoscopes was relly good lol.
I am more into spirituality and Mediumship.

okies thats me for today xx

Feelings ??

Hi ya people ok well I decided to create a blog to see if I can get either some help or help others in the world also create friendship.
I am a person that talks to any one and I am also a bit like Marmite you either like me or you don't lol.

Ok well I am Christa I am a stay at home mum to 1 lil lady called Keira she will be 3 in Febuary, we currently are not well with a virus going round making her sick but she is a little better today.
she goes to a creche Monday-Friday 12.30-3 which I think is worth the £85 a month *this will stop in april as she will get free 16 hour learning in April*.

I am 25 years old 26 in March, have been with my lovely fiance for 9 years in November !! I am happy just small things that get to me like debt that I wish we could clear and be more sensible with money,I actually calculated that if we didnt have debt n didn't pay for Keira's schooling we would have and extra £450 in our hands a month and possibly more.

I have recently been thinking and I thought it was hormones and the fact that either people i know are or trying to get pregnant or married, I haven't been broody but suddenly feel like I need to have another baby but I know it wouldn't be good due to my PND.

I have been going to the gym not so regular this month though but I will soon and I even taken up Pole dancing. so much fun and no it's not the seedy kind where I get my kit off its an exercise class 4 women by women.

Have even interested in the following -

* Webdesigning in HTML and CSS would like to get better at it
* Digital Photography
* modelling * being infront of the camera*
* Photoshop CS3 and other CS3 range
* Make up
* Pole dancing & Gym I have a thing for burning calories !
* creativeness with my baby girl *want to try and do more with her*
* card making and recently Digi Scrapping
* I also love the salon but never have money for it lol

I have had Cosmetic surgery 2 times boob op and lipo I went Tunisia would like to have my boobs re done and lipo again on my tummy have been thinking of having Lazer hair removal and Green Peel for stretch marks and possibly semi perminate make up for my eyebrows
and I have also thought about botox.
I admire Katie Price alot but think she has gone a little far with surgery bless her it is addictive and her tanning.

I did Race for life in July 2008 raised a measley £30 but I did it and felt great, we found out my mum had cervical cancer for the 2nd time causing problems for her to concieve my sister, then last Christmas my sister who was 13 broke down in tears crying of a headache, she had been sent home from school with it for ages but mum n dad assumed she was having Migraines as my nanny suffers with them, turns out she has a brain tumor and we almost lost them both my sister Chloe is terminally ill but doing really well with her Chemo every 28 days she has 5 days of Chemo tablets. we and the community came together and helped my sister to go to DisneyLand Florida to swim with the dolphins, we raised £20,186.89p that helped including Chloe 12 other children as we donated to Clic-Seargent and Emily Ash trust. ok well for my 1st blog this has been in depth I have alot more to talk about
so for now Blog ya soon xx