2023 is here🎉

Happy New Year first of all and cheers to another attempt at being consistent with blogging.

I must admit that Christmas 2022 and entry into the New Year didn’t carry the excitement it usually carries for me.It was very weird for me and yes I know they say the novelty wears off as you get older but oooof…

As the year drew closer to its end,naturally I started thinking about what I was going to do with my life.I have to admit I had some ideas for my New Years Resolutions(NYR) but I didn’t have the clarity to express it with the intention I actually had(if that makes sense at all)?.

For the past few years,I’ve basically recycled my NYRs despite presenting it in different vision board formats.For last year,I used canva and pinterest and sadly the main thing I was able to achieve on there was clearing my debt and also getting a credit card.

Almost 90% of my NYRs didn’t happen so let’s just say I was not keen about NYR 2023 despite my nagging and constant advocacy for vision boards and writing the vision down in general.

I’ve been exploring via YouTube,IG and through conversations with family and friends the last few days and I have come up with these steps that will most likely help anyone in a similar boat like me achieve at least half of their goals.People swear by them so I’ve rephrased them in the way I understand them.

See below;how to achieve your NYR 2023

1-Set an intention and a reason you want that thing-why do you want that thing and how’s that going to benefit your life?E.g.A car because you are single parent and travelling with a baby on the bus is starting to feel long.This should be your why.

2-What habits can you start to make it easier for your goal to materialise?.E.g,if you want to save £50 a month into an emergency fund, the habit you will need to develop will be automating a £50 saving into a high yield yet easily accessible account to come out on your pay day(treat it like a bill) so the money is actually saved and untouched as well as out of your sight so you are not tempted to spend it.

3-Give deadlines to your goals.E.g if you have 12 goals,allocate one goal to each month and work hard each month to make sure you achieve that goal,then you can dust your hands off that goal.

4-Pray and commit the goal/s to God every month and ask Him to help you and bring helpers to help you achieve it.

I intend to practise these things I’ve shared as I’m determined to not go another year without seeing certain things in my life.I also hope that these steps will be useful and effective.

With that said,I really hope and pray this year is fruitful for everyone reading and we can all challenge ourselves to experience growth in many areas of our lives and live blessed lives.

Until,my next post,have a prosperous 2023 guys❤️

Tilly.x

1st post of 2022-January ending

Happy New everyone.I hope it’s not too late to still be dropping this line.January has felt quite long although not as long as I anticipated which is great.

I started off the new year with my NYRs and vision board and have a clear agenda to clear remaining debt and build credit properly this year using payment facilities like clearpay.I know,I know what you are thinking,isn’t that a bad idea?

It’s not if you know how to use it.This is not an ad from them but I stumbled accross it accidentally first week of January and decided to give it a go and surprisingly I haven’t been disappointed.

For anyone who doesn’t know,it’s a facility or a feature you find on some websites to purchase items from the website to split the payments,paying 1st instalment at time of purchase of item followed by subsequent payments at a later date.It works the same way as after pay,laybuy,split etc

I’ve managed to restock my kit as MUA(I bet that’s something you didn’t know about me but welcome on board anyways)

It’s been such an easy thing to do paying every other 2 weeks using it as opposed to carrying the burden of paying full price for something when you don’t want to use up your money.

Now,I must warn you.If you are not great at paying back ON TIME,this is not for you as you accrue £6 charge(s) if you do not pay on the day much like how you would get interest on a credit card.

For anyone reading this thinking uhhh this is clever,there is a cap on how much you can borrow for each period so feel free to apply,purchase some much NEEDED things only,pay back ON TIME and watch what progress you can make with your credit building.

Now I can’t say it’s beneficial for you in the long term in terms of building your credit as I have only used it for a month but it’s worth a shot if you don’t want to fork out a huge sum of money in a go for any purchase.

Again,do pay back ON TIME and don’t say u didn’t warn you.

On another note,what are your personal development or personal finance goals for Feb?Comment below.

Day 365 of 2021

The year has finally ended and as always,I have done my reflection for it and reviewed my choices/decisions.

I’m currently binge watching finance videos on YouTube particularly ones from humble penny and assessing what areas I can improve on in my finances.I love Ken and Mary btw,they are such light in this generation!

My sister and I had a lengthy talk yesterday about what things we’ve done right or wrong and what we would like to improve on and most of it has been finance and sticking to systems we have put in place this year.

For me personally,I’m still looking at debts and my total is just under £2500 worth of debt so I will be taking that into the new year(sadly I suppose)and working on it.

I must admit that I’ve made some progress generally and also in my finances l,although not as much as I hoped for BUT little progress is still progress.

If you are in the same boat as me,I encourage you to hold on and practise some discipline and self denial in the coming year so you can reach your financial goals and preserve what you are working for.

I’m sure there are other things we can all review from our lives in 2021 but in all things give thanks so let’s all be grateful for what we have also been able to accomplish.

I hope to be more consistent on here in 2022 and share more on here as I practise and learn more about personal finance management.

So,as always,I will speak to y’all soon,God willing.

In the mean time,celebrate God and your loved ones and have a joyous new year!!!!

Deuces.xx

Payment history-Credit karma

This year has been a bit of a rough year although very good in some ways overall if I’m honest.In terms of my finances though,as already mentioned in my previous post,I could have done better.

I knew my payment history was quite bad but i didn’t realise how bad until I received an email this morning from ClearScore re my credit score.

I decided to check my payment history and I am gobsmacked!Lets just say I will leave my credit score to your imagination because I just can’t share it😂

On to a better year(prays silently)

Here is my payment history so y’all can appreciate that you are not the only one.

Kick ass in the last few days of this year if you can though by reducing your spending and increasing your earnings(if possible) that’s if you are able to do that.

I will try my very best over here too!