I have just decided on this last day of the month to take a look at my goals for the new year.

I have managed to stick to my budgets and not fudged my numbers so I feel much better about my finances.

I have not kept up my end of the bargain when it came to exercising. As usual I always start off well and then slack off at the end of the week. I also ended up eating too much cake so of course I put on some weight.

I have managed to work on the negativity in my life and I do not spend as much time dwelling on what could have been as I used to.

I set up the automatic savings online so I have been saving more although it is not as much as I would like to. The good thing about this is that I have gotten myself into the habit of saving automatically so when I do get a better income and pay off more debt I can simply increase the amount that gets transferred from my checking account into the savings accounts.

I only used my credit card one time for the month. This was so that I could buy my contacts because I did not have the cash readily available to get the contacts at the time I needed them. This is a big improvement because usually I use my credit cards more than that during the month. One time was such a big achievement for me and I am really proud of myself.

I have used cash and my paypal card a lot more this month so that gave me some good rewards.

And the most important part of my resolutions was that I have been praying more. I have started to go back to church and I feel really good when service is done. I have been able to remain calmer and not fret about situations that I do not have any control over.