Money Wise Talks 27/01/2022

This week has been an absolute whirlwind!

From being paid my first months salary at my new job, to the realisation I forgot to give them my P45 and was then taxed at the emergency tax rate to then being offered an interview for the promotion I applied for!

My nerves are a wreck lol!

Anxiety is through the roof.

Anyone else feel like this or is it just me? Life is so UP and Down isn’t it?!

The plan was – be paid for the month so I could see what the minimum was I would take home after tax, national insurance and my student loan payments were deducted. When I saw that I’d been paid so little, I checked the tax code that had been applied and BOOM – Emergency tax code – and an extra £300 gone 😦

I then spent the next hour pausing standing orders to our ISA’s and the payments to the sinking funds. Luckily by doing this I have found the £300 needed to make the other payments on my fixed bills like rent, utilities and credit cards.

I’m such an idiot lol.

I have now given my employer my P45 and they have confirmed it will be all sorted for February. I hope I’m given the money back next month so I can make double payments to the ISA’s and sinking funds.

Just before I started typing this blog post tonight, I received the most wonderful news that I have been invited for an interview for a promotion at my new job. I know I’ve only been there for a few months but believe I would do a brilliant job in that role.

If I did get it, it would be a huge payrise and my debt free date could even be brought forward! Ekk exciting!

The worse that can happen is I don’t get it. But at least I will know the interview process and will be better prepared next time.

I’ve been trying to cut our variable expenses down even further and managed to save an extra £124 a year by reducing the number of times I go to the hairdresser over the year. When I go the hairdressers I don’t have anything fancy but like to get my roots done as soon as the grey starts coming through.

  • Going every four weeks means I’d go 17 times a year = £31.00 x 17 = £527
  • Going every three weeks means I’d go 13 times a years = £31.00 x 13 = £403
  • The saving difference = £124!

I know using box dyes would save me even more, but I find they don’t go well with my curly hair, so this is the next cheapest option. I stopped having my eyebrows tinted and waxed and my nails done so am happy to leave the roots to the hairdresser. It makes me feel SO OLD when I have grey hair and unlike others who look trendy and cool when they allow the grey to come through, I look washed out and aged.

No Alcohol Update

I’m 27 days alcohol free! Whoohoo.

I’m not a huge drinker anymore, probably because I hardly go out but if I had a bottle of my favourite from Asda every week it would cost £5.99. This saved over four weeks is £23.96. It’s only a little saving but it all adds up.

Over the year that’s a whopping £311.48

I have no plans to stop drinking for a whole year though. I stopped for a year in 2018/2019 and although I felt great and saved loads of money and calories, I don’t want to do it this year. And hopefully with covid restrictions easing off I can finally get out, see some friends and have some much needed cocktails.

No Spend Month Update

It’s not going too bad, I started the month quite strong (as everyone does) but have become a little more relaxed as the end of the month approaches. It’s always the way isn’t it.

So far I have:

  • 15 days No Spend
  • 7 days In Budget Spend
  • 5 days Out of Budget Spend

The 5th Out of Budget spend was today! But in my defence, it’s a treat for me and my mum. An expensive one lol. Half for her birthday and half for just wanting to do something special with her. She may read this so I’m not going to put anything on here about it until after the event lol!

For February, I am not going to do a No Spend Month, but focus on the number of no spend days and to only use cash. My budget for the next four weeks (until payday) is £50 a week which will cover our food and petrol. My mums birthday will be a separate expense. When I remember to go to the bank this week, I’ll be drawing out £200 in cash and will split it into weekly pots for food and petrol.

Other things I’m going to do to GET BACK TO BASICS are:

  • Take my cards out of my purse and phone wallet.
  • Meal plan – I’m going to try and do this for the month instead of the week to see if that makes a difference

What I’ve Spent this Week

£11.96 Just Eat, takeaway

£6.99 Car Wash

£15.99 Hello Fresh

£24.15 Morrisons Food Shopping

£18.49 Home Bargain, Cat Food, sinking fund

£31.00 Hair, sinking fund

£10.00 Morrisons Petrol

£42.00 Clarks, daughter school shoes

£2.99 Superdrug, leave in conditioner

Total £163.57

I’ve spent this week on things I wouldn’t usually buy, like a car wash and Hello Fresh. I paid for a car wash just because I ran out of time at the weekend and didn’t get chance to do it. It desperately needed it done as I couldn’t even see the number plate it was that dirty lol! I’m not going to beat myself up about it though. There’s just not enough hours in the day to get everything done is there?!

Hello Fresh was something I tried for the first time as a friend had a voucher to get some money off. I’m really enjoying the different meals we are having but my daughter is not a fan. It’s a nice treat but not in our budget to have every week. Great news though, Hello Fresh give you the recipes so I can cook any favourites anytime I like!

The shoes are from Clarks and are always super expensive. I’ve tried other cheaper brands but they just don’t cut it and I end up replacing them more often. So the cost you originally save, you end up spending anyway on extra pairs. I always think with shoes, buy cheap buy twice but that’s only my view. If you know of any other cheaper brands that don’t fall apart, please let me know as I’d LOVE to save some money on shoes.

Thanks for reading and for all your comments. Have a great week!

H

Money Wise Talks 20/01/2022

Why does it always feel like there are 9 million days in January! Payday can’t come soon enough!!

I guess that’s the downfall of being paying monthly, you have to wait to be paid!

As you know, I have just gone permanent at my main job and will be receiving my first months pay this month. Once I have received it, I’ll know exactly what the bottom line is that I’ll be bringing home and I can start planning on exactly where my money is going.

I have my debt free date set for July 2023 but this is dependent on £800 a month being paid off debt so I need to make sure I can afford this much. I am 99% sure I can, as I’m on the same salary as before when I worked on a temporary contract but I like to see the actual figure first.

Now I’m on a permanent contract I can also do overtime on a Saturday which is DOUBLE TIME!! Whoo-hoo!

I have done the overtime for the last two Saturdays as well as doing the courier work on Sundays and IT WAS A LOT. I know I want to be debt free and want to buy a property but I don’t want to spend the next year completely exhausted. And I want to spend some time with my daughter whilst she still wants to spend time with me before she hits the dreaded teenager years!

So, I made an absolutely huge decision to NOT DO COURIER WORK ANYMORE!

I wrote down a list of pros and cons and decided it was a better choice all round to stop.

Pros – Overtime

  • More money
  • Work from home
  • No cold/wet/windy days
  • No having to drag my daughter out of bed
  • No dragging myself out of bed
  • Daughter doesn’t have to be bored
  • No wear and tear on my car

Pros – Courier work

  • I liked it
  • Exercise

One of reasons I wanted to carry on with doing courier work was for the most part I really enjoyed it! I would rave about it each week on my Instagram page and still think it’s a fantastic job to do especially as a parent and the struggles around childcare. Whether that’s being able to find work only during school hours or find childcare outside school hours, it’s bloomin hard work! For me, being a courier ticked all those boxes.

I always did it on a Sunday, mainly because Sundays you make the most money per parcel and I gave myself Saturday off. I have always worked full time in the week doing my main job so courier work was extra to help me pay off the debt quicker. I took my daughter along and never worried about childcare – it was perfect.

But now I’ve been given an even better opportunity and a chance to make some extra money, working from home, whilst nice and warm so of course I’m going to take it!

I will miss courier work, but onwards and upwards.

I have just found out there isn’t any overtime on this weekend (it’s usually on 3 times a month) so for the first time since August last year I have the WHOLE WEEKEND off!

Not going to lie I am definitely looking forward to having two lie ins and spending some quality time with my girl.

No Spend Month Update

It’s going well in terms of the number of days I am NOT spending. So far this month I have only had two days where I have spent outside of the budget. The first time was a swimming bag for my daughter and the second was on a deposit for the holiday I have booked for me and my daughter to go on.

12 / 20 no spend days

6 / 20 In budget spend days

2 / 20 Out of Budget

I had planned for no holidays until I was debt free, but I had also planned to be debt free in December 2021 which clearly didn’t go to plan.

Having yet another year of no holidays just made me feel so flat.

I think it’s really hard to be motivated for years when paying off debt. And that’s what it’s been for me. I started to focus on paying my debt when I had £35,907.04 in 2019.

The fact we have yet ANOTHER YEAR AND A HALF to go before the debt is paid off, I decided I would get us a small holiday abroad booked this year. Therefore I am pleased to announce we are going out of the country for a whole day! 😊 😊 😊

Yes, you heard it right! A WHOLE DAY!

I have wanted to take my daughter to Lapland for a few years and looking at the prices around Christmas for a 3-day break, you’re talking £2500! And that was for half board only! I know I said I wanted to go somewhere amazing and I’m sure it will be, but £2500 for 3 days is insane.

I just can’t justify it.

Therefore, I have compromised. We are going to Lapland but on a day trip instead. It’s probably going to be the longest day of our lives as everything will be jam packed into the day, but I can’t wait.

We are going to have a husky sledge ride, see igloos, reindeers, the ice hotel, have lots of snowball fights and of course see the real Santa!

The cost is £1385.11 and that is with £200 off. It includes airport parking and insurance.

I have promised myself this will be cash flowed and will not go near the credit card. I have already paid the deposit of £176.91. The next amount is due April with the full amount paid by September. My plan is to pay a little bit off each month so by the time September comes it will be fully paid. That works out at £151.15 per month.

The TUI app has a countdown on it’s app, so I know we have 331 days left until we go! Ekk Exciting Stuff!

I can’t wait. My girl is growing up so fast it’s scary, so I want her to go before she gets to high school and the Christmas sparkle starts to disappear.

It’s made me realise, you don’t have to put absolutely everything on hold whilst you pay off debt. And as long as it doesn’t affect my debt free date of July 2023, I’m actually happy to spend a little on us making memories.

No Alcohol in January Update

This is going absolutely fine with 20 days of no drinking. I’ve had the odd craving, probably caused by the fact there is still alcohol in the house and when I see it next to the fridge, I want one lol! But other than that, not bothered at all.

I do have a catch up with friends in the diary for next month where cocktails will be had so I don’t plan to continue with the no alcohol challenge but I have enjoyed it and will do it again.

What I Have Spent This Week

£55.98 Pet Food

£34.00 Remote Control

£30.00 Petrol

£70.42 Food

£28.47 Takeaway

£176.91 Holiday deposit

£11.96 Takeaway

£102.73 Tax Bill

Total £510.47

Blimey, I’d not realised how much I’d spent this week. Quite a lot when you see it written down like this instead of looking at a banking app.

Petfood is covered by a sinking fund which I pay £50 a month into. This covers our two cats and dog for all their food, treats, toys etc…. I always buy the pet food in bulk as it works out cheaper and lasts longer.

Petrol was within the normal weekly budget of £30.00.

Food was over the usual budget of £30 as I decided to try some new things on top of what we usually buy, just incase we don’t like them. I am also in the process of getting some money back. I use an app called Shopmium, where products are listed are either free or have money off. Once you buy the product, you scan the receipt and the product and complete a review of what you think the product is like. After a few days Shopmium pay’s you through PayPal. I should receive £5.40 back for products I tried this last week.

If you fancy signing up to Shopmium, here’s the link https://www.shopmium.com/uk/referral/ek5c5v it’s completely free and if you use my referral code you get a free pack of pringles (the big tub!) Just enter this referral code: EK5C5V.

Our remote control broke, so I had to buy a new one. I couldn’t believe how expensive it was, but I wanted to get the exact same as the one that had broken as I hate trying to work out technology. It wasn’t until I realised that I bought a remote control you can talk to that then I realised why it was so expensive! My daughter however thinks it’s amazing!

A couple of naughty takeaways this week, one because my parents came over on Saturday to help me so I of course fed them with the most gigantic pizza ever! 18 inches of pure cheesy amazingness!

Final Exciting News

I have applied for a promotion at my new job! I know I’ve only been there for a few months and have only just been made permanent but I feel it’s a perfect job for me and thought, just go for it! What’s the worst that can happen?

I mean, if I got it, I’ll finally be back to the same salary I was on when I worked in finance in 2014. Also, it will have an element of providing training to others which I’ll love as I still have a passion to teach! If I don’t get it this time, I’ll definitely try again. That’s one of my yearly goals – GET THAT PROMOTION!

Hope you all have a great week, let me know if you use any of the trackers I make. They are free to download here. I would really appreciate anyone’s feedback!

Thanks for reading

H

How to Plan a Christmas Budget

It’s January, so let’s talk Christmas!

Ha Ha – No really!

It’s the New year and the perfect opportunity to reflect on the previous year and of course the Christmas spending!

  • Did you stay in budget?
  • Did you have enough saved for everything you wanted to do?
  • Are you saving now for Christmas?

If you answered no to any of the above, I would get your thinking caps on and start planning Christmas now in January!

For a few years now, I have saved a monthly amount for Christmas in an instant access account. I have a regular payment, known as a standing order, that leaves my bank account a few days after payday every month and is transferred straight into the account. I don’t have to think about it as it’s automatically done.

If you have followed me for a while, you’ll realise I am still tweaking this amount to suit our needs and still haven’t quite got it right – but I’m getting there!

My intention is to have an amount that covers absolutely everything, so cards, presents, wrapping paper, postage, Christmassy days out and gifts that I always forget about until the last minute – teacher gifts, pets and stocking fillers!

The ultimate goal for me is to complete Christmas without a single pound spend on a credit card but this is going to take some serious planning. I still think it can be done though.

Over the years, I have made a list of everyone I wanted to buy for and put down an amount of what I wanted to spend. Although this has worked for most part, I have never given myself an amount as a contingency and also never thought about including Christmas days out and activities.

As you know, Christmas activities are usually super expensive anyway so this needs to be definitely factored into the budget. And it’s something we always love to do so I’m not prepared for us to stop doing something we get so much out of.

Just the memory of us at Christmas spending £24.00 on four marshmellow sticks that we roasted over an open fire and had covered in chocolate still sends shivers through my ‘trying to be frugal, without ruining Christmas’ brain. I mean, I want to do these things – occasionally as treats but also want them to be accounted for. Even if they have to be labelled as the category, ‘the most ridiculous things to spend – NO BLOW, your cash on’!

Wouldn’t it be lovely to save an amount for Christmas and NOT use it all up so you had some left to roll over? I mean that would seriously be the dream.

So, let the planning for Christmas commence!

1) Write a list of people you want to buy for. Remember to include pets, neighbours, teachers and anyone else who usually forget (if you’re like me anyway!).

2) Set REALISTIC budget/s. I say realistic because there is no point in thinking I am going to be really good and only spend £10 on this person, if in reality, the last ten years you’ve spent £100 on them.

3) Add a small budget for contingencies and slight over spends. YOU’RE NOT PERFECT AND THAT’S OK! You don’t have to use it but it’s there as a Christmas emergency fund if you need it.

4) Think about what activities you would like to do at Christmas (if any) and price up how much it’s going to cost. What I found last year, is by leaving the booking of these activities till Summer it meant they were booked up or the prices went up so they were super duper expensive . In fact, last Autumn when I tried to book Lapland UK, it was booked up completely for the whole of December! So last Summer, I ended up making a diary note for January this year to book for the coming Christmas. That’s how far advance you need to think about these things. Another thing, by booking things out of season you may get them cheaper. WIN WIN!

5) Check your wrapping, cards and Sellotape stock. What will you need to buy? Could you buy it now out of season cheaper?

6) Check what you spend on food and alcohol last year whilst it’s still fresh in your mind and use that as your food budget.

7) Are you planning to buy the family matching pj’s this Christmas? How much will they cost and add this into your budget.

8) What were the costs from the kids activities this year? Parties, donations, fairs etc. How much did that cost?

9) Do you already know of some expensive gifts that people may already want, that you can start saving for now?

In answering all these types of questions, it will help you to have an idea of the type of Christmas you want and most importantly can afford, without getting into debt – or further into debt.

I have made another couple of trackers for saving for Christmas, which as always can be downloaded for free. This one is Saving for Christmas in 12, for if you want to save on a monthly basis. You can colour each part as your savings grow.

This Saving for Christmas in 52 is if you want to save weekly, so it will have 52 pictures to colour in – Coming soon!

I find seeing savings grow or debt decreasing visually using trackers and money pots really encouraging for me and it keeps me motivated. See if it works for you. I’ve even got my mum into them now, ha ha ha!

In 2020 I saved £40 a month and 2021 I saved £50 a month. Both of these amounts haven’t worked for me so don’t be afraid to get it wrong and try again. Maybe this year I’ll get the amount right!

This year I’m going to save £80 a month. I’m still tweaking my list of who to buy for and what budget I want to spend on each person. I’m even considering not buying for some this year. Not in an awful way but I feel I have to be realistic. I also hope this year I don’t over spend at all. In 2020 I over spend by about £900 and in 2021 I overspend by £300. And unfortunately it all went on a credit card 😦

But although I overspent, I still noticed a huge difference in my attitude towards money and the choices I made this year compared to last. I was more thoughtful on what I spent the money on. For example this year I said no (to myself) to buying the matching family pj’s, amongst other things. And noticeably, I spent £600 less than the previous year.

So I’m definitely not there yet, but I’m getting there!

What do you think about starting Christmas Planning early? Nuts or Definitely good to do? Let me know in the comments below.

Thanks for reading

H

Money Wise Talks 13/01/2022

Welcome back to another weekly Money Wise Talks!

Thirteen days into the New Year and my motivation is still pretty high, how about yours?

This month I am doing a No Spend Month and I have been recording:

1) Days I don’t spend

2) Days I spend but within budget (e.g. food and petrol)

3) Out of budget spends, basically things out side of the budget. 

So far, I have 9 no spend days, 3 days where I’ve spent in budget and 1 day out of budget. The spend out of budget is when I bought my daughter a swimming bag for school, so not a naughty spend, but not a planned one either! At least it’s not a takeaway anyway lol!

I am also doing a No Alcohol Month in January, which I’ve made a new tracker for (as always, the trackers I use are made by me and can be downloaded here for free). Tag me in them on Instagram when you use them, I’d love to support you!

This month so far, I can confirm NO ALCOHOL HAS YET BEEN CONSUMED.

I must advise though, I’m not a huge fan of drinking on my own and thanks to covid my diary is pretty empty so these days my consumption of alcohol is much lower. I still have those days where I want to reach out for a glass of bubbly when unwinding and have had a few urges so far this month. But I’ve been very good, so far 😊

I set my goals for January in last weeks post, but a few days ago I decided to add a new one which was to build up my Emergency Fund to £3000. I did some what pluck this figure from the sky but as my car costs in 2021 were in excess of £2k, I thought £3k would give me a bigger piece of mind. It’s great that I don’t use my car for my main job anymore, as I work from home, but I do use it for my courier job (second job) so it’s really important to keep it on the road.

I already have £500 in the Emergecy Fund. I could have paid it towards my car repairs and the credit card but when the £’s kept adding up, I just put the full car repairs amount on the credit card and left the small balance in the emergency fund.

You’re probably wondering why I haven’t used the rest of my emergency fund. My current emergency fund is a Help to Save (HTS) account, so if I withdrew it, I’d lose the bonus which is 50 % of the balance at the end of the term, so it’s amazing really when compared to other saving accounts paying 0.01%. I plan to continue my regular monthly payments into the HTS account (£50 is the maximum you can pay in each month) and then put the rest in a cash ISA.

I plan to have my Emergency fund completed by March 2022. This is because instead of overpaying on debt, I am going to put all spare funds in there. Here’s my new emergency fund tracker.

AND I have been given the opportunity to make extra money at my new permanent job! As I’m now a permanent member of staff, I’m now eligible to do overtime, so I immediately signed up and completed 8 hours last Saturday at DOUBLE TIME!

I did 4 hours in the morning, had a lovely afternoon with my daughter and did 4 hours after I dropped her off at my parents. I am hoping to do overtime every Saturday as long as it’s on, because it’s such good money! I don’t even mind working 7 days for a while because I know it will get me to my goal quicker.

It’s even made me think I can bring my Debt Free Date forward from July 2023 at the rate I’m going but we’ll see!!

All this ‘work’ hasn’t allowed much time for reading but I’m not going to try and do too much. There’s no point in putting pressure on myself when I’m doing so much anyway.

I did want to do record my first YouTube channel vlog this month and it’s coming, I promise!

I started to film it last Friday but then found so many excuses to why I couldn’t use it – the light was too dark, I look so tired, I feel silly, no one will watch it anyway so I ended up deleting it! I think the ‘other’ Heidi was definitely trying to sabotage me. I think I’ll be fine once I do my first one. Like I was when I did my first reel on Instagram – that was hilarious!!

What I have Spent This Week

£15.50 Daughters swimming bag

£30.07 Petrol

£43.96 Birthday and New Home present (Birthday Sinking Fund)

£3.05 Greggs

£6.00 Funsters

£11.00 Tesco food shopping, cover in full by Tesco vouchers (not included)

Total £98.58

I knew my food costs would be low in January and that’s because we are still eating through the huge shop I did just before Christmas where I spend £250! And with my food and petrol budget being £30 each a week, the other costs like the bag, Greggs and Funsters just came out of that instead of other money. So in my mind I’m still in budget.

This week I found out loads about shopping apps, like Tesco, Morrisons, Sainsbury’s and Asda. If you download their apps onto your phone and you forget you points card, they can scan your phone – I never knew this! Also, when I downloaded the Tesco app last week, I saw I had £11.00 of vouchers ready to use, which was fab because I usually have to remember to go online and print them off. It was so easy to use aswell (I’m not being paid to promote Tesco’s app, I just think it’s great!).

Let me know you think about shopping apps in the comments below, I’d love to hear your thoughts.

H

Money Wise Talks 6/01/2022

Happy New Year!!

I absolutely love the start of a New Year! The Christmas break for us is usually quiet and although we try and see friends and family (when covid allows), its usually just me on a night time and I love it!

Well, it’s something I’ve gotten use to anyway. I usually spend that time catching up on films and Netflix, doing jigsaws, reading, thinking about what the future holds and planning my next move. If you know me personally, you’ll know I’m ALWAYS planning. I can’t help it and do secretly love it 😊.

This last week I wrapped up 2021 and starting planning 2022.

I have set my goals for 2022 and made them SMART. If you need some help in settings goals, I have a post that may help you – Setting goals.

I’ve have also set my monthly goals for January, which are;

  • No spend month in January
  • No alcohol for January
  • Read/finish reading one book
  • Post six blog posts
  • Post first YouTube Video

I have not set a goal for paying off debt this month only because I am going from weekly pay to monthly pay so don’t want to over pay to much to debt and then leave myself short. I am also not 100 % what money I will get until I have my first pay check either.

I spent a little time over the Christmas break looking at reducing my outgoings and cancelling any subscriptions we don’t use anymore. This week so far I have cancelled;

  • Amazon prime subscription £7.99
  • Swimming lessons £25.00
  • Reduced Sky from £90 to £55 (this was by the removal of Disney plus, HD, Sky Cinema and Box Sets as my contract was up 1/1/2022)

I have saved £815.88 so far this year just by reviewing my subscriptions!

I urge everyone to do this at least every year and every time a contract comes to the end. You can save a fortune just by making a few phone calls and/or cancelling some payments.

I still want to look at broadband so that’s my plan for this next week.

Both the No Spend Month and No Alcohol Month are going GREAT with nothing spent or drank so far this year!! Go check out the trackers that you can download for free and join me!

What I Have Spent This Week

£12.26 Subway

£2.42 Food shopping

£30.01 Petrol

£35.00 Boots Hairdryer

Total £76.69

That’s a much better week compared to the weeks before Christmas. There’s nothing like the start of a New Year to get those motivation levels up!

And yes you’re reading right, my shopping bill was only £2.42 this week because I received £40.00 food vouchers from school. I will do another post about this in more detail, just incase it helps anyone else. But until then, if you have any questions you’d like to ask me, please put a comment below and I’ll be happy to answer them.

I replaced the hairdryer that blew up just before Christmas. I was going to use my points I’d earnt at Boots and a voucher and annoyingly I completely forgot to use them. I didn’t have the face to go back in and return it to buy it again as the voucher was only for £5. I was kicking myself though, £5.00 is £5.00 at the end of the day. The hairdryer was the cheapest in the shop but the diffuser looked as good as all the other ones, even those priced at over £100 and when I tried it out, it didn’t disappoint!

I also had Boxing-day off at my courier job but was back to it on 2 January 2021 with a nice and easy 80 parcels.

80 parcels = £80 (gross)

I’ve had some lovely messages on Instagram from people who have started to deliver for Hermes off the back off my Instagram posts and reading my post about ‘A New Side Hustle – Being A Courier’.

I only work on a Sunday but it’s something I really enjoy. I love the fact I can take my daughter with me so I don’t have to worry about sorting childcare. I download her a film, take some snacks and a colouring book and she is happy as she could be for the couple of hours I deliver for. And I use all the money I earn from this job towards my debt.

Being a courier is just a perfect job for any parents, especially single parents that may have childcare issues outside of school hours.

Let me know what your goals are for this year.

Have a great week!