Every month I like to set myself aims for the month, to keep myself focused and to make sure I actually use the time during the month wisely! There are two sets of aims: Finance and Personal. June wasn’t that good for personal aims so I’m hoping that July will be much better.


Financial aims for July:

– Have 18 NSpend Days (or NSDs)

– Overpay our mortgage by £350

– Put £600 into savings


As we’re going on holiday towards the end of July, I want to make sure we have enough spending money whilst we’re there; hence the NSD target. Again, I really do believe that having spend free days during the week really helps us meet our NSD target each month. Our mortgage interest is just over £300, so if we overpay £350 it means we pay off the interest every month and a little more on top. Again, I’ve decided that because we hit £600 in June, there’s no reason to not be able to do that in July as well. These savings are going to be put towards our holiday, which is a massive incentive. If we don’t use them all, then they’ll go towards a new bathroom as ours desperately needs re-doing.


Personal Aims for July:

– lose 5lbs

– bake at least twice

– go out for a bike ride at least twice


As I totally failed on my personal aims for June, I’ve not changed them much for July. I really need to get back into my healthy eating – I was doing really well in May but I’ve totally fallen off the wagon during June. Planning will help me to do better in this during July. Again, I didn’t bake much in June either and I want to do more of that in July. I really enjoy baking but haven’t done that much recently, mainly due to time constraints but I want to make more time for me this month, as well as balancing work commitments in the mix. And, last but definitely not least, to co-inside with the healthier eating, going on bike rides will help to lose the 5 lbs I’m aiming for in July.


Do you have any aims for this month? What will challenge you the most? I’d love to hear from you!


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