I’m terrible with money. I have used this excuse for as long as I can remember to justify being, well, terrible with money. But that has to stop. I’m 37 now and it’s about time I grew up and realised that this excuse is actually no excuse. I posted a few days ago about taking a year to “Stand still. Take stock. Make no sudden moves. Think things through.” I said that 2015 would be the year that I “look back and say, I’m further forward than I was 365 days ago.”

I make a fair wage doing a decent job. I have enough to get by. But I am frivolous. I spend. It’s the old adage of money burning a hole in one’s pocket. In order to assist me in this I am going to start saving using the 50p 52 week money challenge:

Starting with 50p and adding another 50p to the total each week I will have saved £689 by the end of 2015. That will be £689 more than I have saved before in my life. Additionally I intend to remove my overdraft, payback my debt to my Mum (who, God bless her, is always too happy to help her Son out(!)) and still have a reasonably active social life. A big ask, but if you don’t have goals you’ll never meet goals.

Wish me luck, and if I’m ever struggling, don’t be too tight when I ask you for 50p.