After losing track of my goals in December and forgetting to set any altogether in January I am so happy to be back and bringing some focus and intention to the coming month. With tax payments and the expense of Christmas long gone it is time to focus on my second credit card and clear it as soon as possible. Here are my goals for February 2019.
You can read my goals for December 2018 here.
My goals for February 2019:
Increase income by £500 per month.
Over the winter months my work load always drops dramatically, so much so that you’re probably sick of hearing about it by now. Whilst it is an expected dip I’d rather fill my hours a little more if possible. Instead of relying on side hustles only for this I’m making the effort to increase the number of freelance clients that I work with on a regular basis.
It is always difficult to determine how much work a new client will bring and I am very familiar with the promise of lots of incoming projects only to be left disappointed. At the same time, I don’t want to take on too many new clients at the same time and then completely overwhelm myself. Ideally, all going well, I’ll be able to do enough to add around £500 to my monthly income. I’ll keep you posted on this!
Begin a sinking fund for the Spring.
There are birthdays and weddings galore this spring and I am going to be spending a lot of money. I will be able to keep my spending to a minimum in some areas, by gifting my help to a friend for her wedding instead of giving money, however for most of it I will just have to bite the bullet.
I’ve estimated that I will need around £600 to cover everything that is going on so I’m going to be putting about £50 aside each week. Now you can see why I want to increase my income so much! It will be a lot of work, but it will stop me panic spending in the moment and will avoid any credit card related disasters. Saving so much each week is worth it when the only other option is to go further into debt!
Make an additional £200 payment to my credit card.
As I mentioned before, my credit card is the next item in my debt snowball and I am determined to get rid of it as soon as possible. It’s been hanging over my head for so blooming long now I’d like it paid off and out of my life. Of course that’s how I feel about all of my debt, but you know what I mean.
As £200 isn’t a huge amount I’m going to do my best to side hustle this amount. Between taking surveys (if you’re new to surveys use prolific academic, they’re by far the best), decluttering more items for Ebay and a few other things it might just be possible if I get my head down.
Allow myself a treat.
If you’ve been following my journey for a while you will know that all of my goals always focus on paying off debt and saving money as quickly as possible. The ones above demonstrate that by themselves. Well my final goal is shaking that up a bit. I’d like to set aside some money for a treat for myself. Nothing big. Just something that brings me joy and helps keep me motivated when my spending is normally so tight.
My original intention was to get myself some flowers however I found an awesome deal and got some free. (I posted about it here on Instagram if you fancy a nosey). Instead I have considered taking myself to a really nice cafe or hotel for some lunch. Feet up, read a book and just enjoy a really tasty meal. That would be an awesome treat!
Have you set yourself some goals for the month? Let me know in the comments!