Thursday, 31 January 2013

A month in review: January 2013

To be honest, I've struggled this month. It's been hard starting a new job, which appears to be insanely busy every day with no let up whatsoever. It's been difficult battling through snow on a morning to get to work. But, January has also gone pretty quickly, because it's been so hectic.

My aims for January were:
- lose 4lbs
- over pay mortgage by £670
- make a new type of bread loaf!
- put at least £100 into the emergency fund

I have not lost 4lbs. In fact, I've not lost anything. My eating hasn't been a main priority this month, and to be honest, my snacking has crept up so this needs re-addressing this month. 

I have made overpayments of £670 this month, so target met! It could be slightly more, but we're keeping a small reserve in the current account at the moment, just in case things with the house crop up and need dealing with. 

I haven't made a new type of loaf - I haven't baked any bread at all this month. The oven we have now is hotter than the one I'm used to, so I'm trying to get used to the temperature of it before attempting something delicate like bread. 

I've managed to put £300 into the emergency fund, which I think is good going. The other reason why we haven't over paid more on the mortgage is because I also want to get our emergency fund building up quickly, so it's going to be a balancing act. 

So, overall hit and miss in terms of aims, though I'm pleased with the money ones. I'm going to have a ponder about my February aims overnight and will probably post them tomorrow. 

No picture today, as it's dark already. Roll on summer! 


  1. A great start to the year Nic, well done on your financial goals :)

  2. It sounds like you have had a lot to deal with this month with your new job but you have really excelled with your money challenges. Well done, you should be proud of your achievements. Good luck with February challenges.