New Years Resolutions for YBIG Members |
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ShayGivensBum
Jack Charlton The lighter coloured grass is painted Joined: 24 Aug 2010 Status: Offline Points: 8316 |
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I did this a few years back and im flying it now. Speak it all the time with my daughter at home and have her down for the local Irish school now too. Its amazing how much of it comes back to you - go for it
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Roberto Baggio
Robbie Keane UNBELIEVABLE JEFF Joined: 28 Jan 2010 Status: Offline Points: 37358 |
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Any tips for this? |
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coyne
Paul McGrath Joined: 17 Aug 2013 Location: Sunderland Status: Offline Points: 15881 |
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Go through your expenditures. Check your monthly subscriptions. Games console, Netflix, Pornhub, whatever. Check if you're actually getting value for money out of them.
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Newryrep
Paul McGrath Just can't get enough of lists Joined: 14 Jan 2009 Status: Offline Points: 15259 |
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'Irish' Songs for an Irish team - no SPL EPL generic sh*te
Richard Dunne - 6th Sept 11 - best marshalling of a defence in Moscow since General Zukov Russia V Germany 1941 |
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bogball88
Liam Brady Joined: 16 May 2016 Location: Throne Status: Offline Points: 2674 |
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Gary McKay
Roy Keane Yo Adrian Joined: 21 Jul 2007 Location: Ireland Status: Offline Points: 13816 |
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Gave up sugar in my tea/coffee about 30 years ago, overnight.
Gave up salt on my food about 20 years ago, overnight. Now if I can just give up the cough and chokes I'd be happy.
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"Smalling and Jones.... have the potential to be the PL’s best ever pairing in my opinion." - SlurAlex
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Bob Hoskins
Moderator Group Joined: 29 Jul 2007 Status: Offline Points: 20175 |
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I think I gave up sugar in my tea for lent, so that was f**king years ago. Cold Turkey all the way . I do recall that I quickly went from hating the taste of sugar in a cup of tea soo after My one resolution (as I don't normally waste my time with them) is no sugar in my coffee as I now drink 1-2 cups of it a day, it's only a small amount but it still annoys me that I put it in. 5 cups in 2018, all sugar free baby
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Romario 2016: And the ticket mafia gets caught! Well, four years ago I had already told the government.
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Zinedine Kilbane 110
Jack Charlton Man City records obsession Joined: 20 Mar 2012 Location: Dundalk Status: Offline Points: 9647 |
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Write down everything you spend over a couple of months. You’ll Be shocked how much you spend on crap. Set up a DD each month into a savings account after pay date so it’s gone before you can spend it. And of course - IPTV > BT + Sky
Edited by Zinedine Kilbane 110 - 03 Jan 2019 at 3:18pm |
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foggy.nelson
Liam Brady Joined: 25 Sep 2012 Status: Offline Points: 1037 |
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I went from my account being zero every payday(im paid weekly), and having zero savings in January 2018 to getting mortgage approved/buying a house in December 2018, i was always really bad with money, literally living week to week, and i was on a decent-ish wage. My new years resolution last year was to be financially stable, so if i can do it any one can do it. One huge tip is when you get paid make every euro do something, (kinda like envelope budgeting) even if its just putting a fiver a week away to tax your car in a few months. What helped me was putting it into savings accounts i couldn't get to access to straight away, so different savings for different things, (things like Ireland matches, savings, New runners, Car maintenance etc etc). Worked for me, if ya need amy more tips or whatever, dont be afraid to ask, obviously i made other changes too
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The Huntacha
Roy Keane Joined: 27 Mar 2012 Location: Dubai Status: Offline Points: 12816 |
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I'm doing similar. Kept track of my general day-to-day expenditure over the course of a month to see what I was spending it on. When I looked at it, I was spending way more on a daily basis (coffees in garages, food on the go, etc) than I should have been. I find being able to tap your card a disaster because (as stupid as this sounds) as I don't take notice of how many times I'd use it in a day and then get a shock when my account balance is lower than I thought. What I do now is on every pay day, take out a set amount for each type of general expenditure I'll have that month (petrol, food for the week, money for pints at the weekend, etc) and keep the cash on hand. I find that it's too easy to use your card for things so it's easier to be more wasteful as opposed to having to part with cash. Another gimmicky method I seen in the paper before was on each day of the week, to put the corresponding amount of euro away. So €1 for Monday, €2 for Tuesday, and so on. That's €28 per week. Over the year, that's just under €1500. Could be handy for Christmas or a family holiday.
Edited by The Huntacha - 03 Jan 2019 at 11:31pm |
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Jimmy Bullard - "Favorite band? Elastic."
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The Huntacha
Roy Keane Joined: 27 Mar 2012 Location: Dubai Status: Offline Points: 12816 |
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http://https://www.drstevenlin.com/salt-good-for-you/ That's one of the articles from the above site. Suggests that the minerals contained in sea salt (calcium, magnesium, zinc, potassium) play a part in reducing blood pressure. Edited by The Huntacha - 03 Jan 2019 at 11:38pm |
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Jimmy Bullard - "Favorite band? Elastic."
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Claret Murph
Paul McGrath Hmmm, Goodness, I must say Joined: 16 Apr 2009 Location: Tibet Status: Offline Points: 15761 |
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Never really bothered too much , but as you get older it gets hard to move the fat .
Now never have been to a gym in my life and I don't think I ever will , my job is not what you would call a desk job and find myself quite busy . I always put on a kilo in the winter and lose it in the summer , now the wife thinks I need to lose 10 kg so I have decided to cut a leg off that should do it .
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Lansdowne Road debut aged 52 and 201 days .
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foggy.nelson
Liam Brady Joined: 25 Sep 2012 Status: Offline Points: 1037 |
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Putting money away for unexpected things helps too, just a savings account for car trouble, doctor visits etc really helps. The first mention of a stag, I just put money away now. It was always these kinda things that seemed to catch me out before when I was trying to save, there was always something unexpected to eat into your money |
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Trap junior
Robbie Keane YBIG Minister of Doom & Gloom Joined: 25 Jan 2010 Location: Irish Riviera Status: Offline Points: 39874 |
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My new years resolution is to stop gambling. Any tips?
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Pied Piper to: Baldrick, Brendan 88, 9Fingers, Borussia and more...
97.6% chance this post will be replied to by Baldrick (source: PWC) |
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McG
Moderator Group SISAO? What the hell is SISAO? Joined: 27 Jan 2008 Location: Christmas Island Status: Offline Points: 27009 |
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I dont watch enough Only Fools and Horses repeats. Going to really up the ante for 2019.
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YBIG Table Quiz winner 2016 & 2017
AS YOU WERE McGx |
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BigStrongMan
Robbie Keane Just Modding Like Joined: 22 May 2009 Location: Ireland Status: Offline Points: 107644 |
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PM me for all forum moderation queries.
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Trap junior
Robbie Keane YBIG Minister of Doom & Gloom Joined: 25 Jan 2010 Location: Irish Riviera Status: Offline Points: 39874 |
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+1 There are so many undiscovered plot holes
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Pied Piper to: Baldrick, Brendan 88, 9Fingers, Borussia and more...
97.6% chance this post will be replied to by Baldrick (source: PWC) |
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Denis Irwin
Robbie Keane Stay Home & watch Lethal Weapon Joined: 03 Feb 2008 Location: Ath Cliath Status: Offline Points: 37959 |
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Eamonn Dunphy:"I'll tell you who wrote it, Rod Liddle, he's the guy who ran away and left his wife for a young one".
Bill O'Herlihy: Ah ye can't be saying that now Eamonn |
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