No Spend January

Gearing up for a new year is always a good time to have plans & goals.  I guess we all plan to change or achieve things over the course of the year.
Starting in January

•  I will be joining Carlas No Spend January. What better time to start than in January!. Apart from my direct debits going out. I will plan to spend nothing unless on milk or bread if needed.  This will be a good way to start the year. Especially as my goal is to have £3000 in my emergency fund by the time   December 2012 comes.  
• I will also be joining Sfts pounds versus £ s challenge( weight loss ) it will be good as we can all motivate each other.  I am already in Sfts sealed pot challenge to!
• Also another thing I want to do is when I need a gift is to make something homemade using things I have at home. I want to try & be quite experimental here !. Not all gifts as I think my son might have something to say !. 
• Not sure what to do about ebay in January as I think maybe it will be quite after christmas .Or either saturated ?. I just wondered if there would be more people shopping then going on ebay. If any one has any advice about this one.
• I will use all my smellies & reuse & recycle where I can.

I feel this year apart from not being quite myself . I have managed to keep christmas spending to a minimum. The christmas food shop was quite basic to.  We have some peanuts & crackers, satsumas etc.  My sister will bring a desert on christmas day.  I have managed to drop 3lbs despite all the temptation around.! . I will try not to add it back! x x

I hope all my lovely bloggy friends have a lovely christmas time & thank you for all your kind words.  x x

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