Difficulties

At some times in our lives we go through some difficult times. At the moment I am going through some money problem and this is causing me some difficulties. I don't have a lot of money and I need to pay off 3 credit cards.  I am at my limit on two of them and I am struggling to pay them on time. My number one plan now is to get at least 100 off each card over the next thirty days. I plan on doing this by selling some unwanted things. I am also going to get back to doing surveys and writing reviews.  I really need to get this sorted or I'm going to let down my girls. I really don't want to dissapoint them and they need me to do well for them. I want to be able to give them whatever they want and I will have this sorted by the end of the year. Also I will like I said in one of my previous posts by trying to claim back my ppi

Bye for today
J x

More Plans

I have some more plans.  Today we finally got some ink for our printer and I can finally get some things done that I have been meaning to do for at least the last six months.  First up I want to reclaim hopefully the ppi on two of my credit cards.  I am going to get the forms printed off ( I got these from www.moneysavingexpert.com).  Hopefully I will get my money back,  I did it a couple of years ago on my loan and managed to pay off the loan and get some extra money.  I'm hoping this will pay off the credit cards or at least get them way down so it is easier to get rid of them.

The second thing I would like to do is make a custom recipe folder for all the recipes I have tried and loved.  I have started typing them up, so some are ready to go.  I'm going to add a picture of the finished product then file them into my new folders.  I am going to start these projects next week.

Today I have another night at college, which I'm really looking forward to. It's just a nice little break where I get to do something for me and hang out with people who want to do the same.  Were just doing french manicures again tonight and some theory.

I am struggling today with the temptation of something sweet.  I really want something but I haven't given in yet.  I just want a big bite of chocolate but I'm going to try to be good.

Bye for now

J x

To Do, To Do, To Do

It seems at the moment I have loads of to do lists and there is no end in sight.  This makes me quite happy actually as it is giving me something to do.  I have lists for things that need organizing, lists for chores to do, lists for personal goals and lists of ways to make some extra money too.

Today I got another two big boxes two add to the other two that I got yesterday.  They have now also been filled up.  Hopefully I will just need two get another two and all the girls toys will be sorted.  There bedrooms will then need to be moved about and adjusted until I am happy.

Also today I finally have my tumble dryer, so I can get all my laundry done.  I have put it all in piles although I know I won't be able to get it all done today I can get a good chunk of it done.

One of my goals this year is to save more and I came across this article which I think could really help.  Well I'm going to give it a good go anyway.  It's called the 52 week plan and all you do is put away the amount of what week it is, so for week one I am putting away a £1.00 and week two it will be £2.00 and so on.  This should accumulate nicely and hopefully I will have saved quite a bit by the end of the year.  Here is a link to the article http://www.allthingsmw.com/52-week-money-challenge/

Still doing well with no eating of chocolate or drinking of pop.  I am however struggling to ger any exercise done.  I think I will take the dog for a long walk tomorrow.

Take care

J x

Motivation, Motivation, Motivation

This is what I need right now as I am feeling very lost.  I need this for my beautiful girls as my relationship with their dad seems to be falling apart slowly and I need to be able to stand and be strong for them.   You see for the last six years I have gone around the country for him so he can follow his dreams and now it has come to a point where I need to sort mine out.  For this to happen I need to have a hella a lot of motivation and money, which I don't have much off.  But it the next few weeks you will see that I am going to be more motivated and more determined then ever.

From today, I am setting up four of the most important goals for me and them.

Number 1.  Make a five year life plan, so I know where we are going. 

Number 2.  Get some money into saving, so I have some back up money.

Number 3.  Go back to college so I can have my dream job and prove to my girls that at no matter what age you are you can live your dreams.  (I'm 30 by the way).

Number 4.  Learn to drive and get a car, so I can have more independence. 

So for now I am thinking positive and off to make my five year plan.

See you tomorrow and keep motivated in whatever you do.

New Year Resolutions

I don't usually make New Year resolutions, but for 2012 I decided to set myself some goals.  I am going to set them into three categories, the first group is a must, the second is I will try my hardest and the third group will be I will try my best to do.

So the first group of things I think are a must for me this year are:
1. Lose 30lbs, I have gained quite a lot of weight this year and I want to get back to how I used to be.  The first thing I will be doing is cutting out the fizzy drinks which I have been drinking a lot of and the take aways.
2.  Pay off one credit card.  I only have two credit cards but they are always hanging over my head.  My aim is to pay off the one with the smaller balance first.  I don't think I will be able to pay off both as I don't get much money. 

This is going to be my second group:
1.  Try and blog daily for a year.  I don't know if I will be able to stick to this but I am going to try.
2.  Learn to use Photoshop elements 9.  I have had it since August and have been collecting magazines that give you lessons but I haven't got around to doing it and it's something I've always wanted to learn.
3.  To cook from scratch more often.  Most of the time I will admit to being very tired and lazy when it comes to food as my youngest daughter never sleeps well.  I have been researching recipes that look easy and quick and will have at least some form of meat and veg in.

Last but not least my third group.
1.  Take a lot more photos of the girls, I don't want to miss their growing up and it seems I keep forgetting to take pictures of the most important things.
2.  These two coincide with each other, so I will list them as one.  Get life insurance and make a will.

At the moment these are my goals, they may change as the year 2012 goes along but I will try and achieve as many as possible.

I hope everybody has a happy new year. 

Earning Money on the Internet

As a stay at home mum, I am always trying to find ways of making some extra money so I am not relying on my Fiance all the time.  I use to do a lot before my second daughter was born 16 months ago but haven't done much since.  I am hoping to start again this month.  I got reacquainted with the old websites I used to do this week.  I'm hoping to spend at least 3 hours a day on various survey, review and writing websites to earn my money.  I'm also hoping to get rid of some of my bits and bobs on eBay.

Some of the websites I use either give out money or vouchers, but would love to know of any other ways people know of to make money.