January has arrived and along with it are thoughts of a happy new year and changes to our lives that we feel we should be making.

I’m sure I am the same as most people. Come January 1st I always have these wonderful dreams for the year ahead. First on the list is joining the gym, then of course if I’m getting fitter, then take a look at my diet and in general start to take better care of myself. Then when I am feeling a bit better with myself, this will in turn boost my confidence, then I will be up for new challenges and before you know it I will be a new person.

Of course, what will happen is that I won’t do any of this and 2010 will be just the same as last year and probably the year before.

The one thing that is guaranteed is that I shall soon start planning for my summer holiday.Why is it that I scrimp and save for 8 months of the year, just to ensure I have a great break in the school holidays.I put myself under an awful lot of pressure just so I can relax during my two week summer holiday.Naturally it isn’t just the holiday that I need to find money for.I will have to ensure I have some stunning new clothes, and of course with a new wardrobe comes new accessories.

With this in mind, I have decided that this year I am going to start to treat myself at least once a month right up until my holiday.It doesn’t have to cost buckets of money and be really fancy, just a little treat.

January is going to be my month for buying some summer accessories. I am going to make a start by buying some silver jewellery. I have seen some fantastic silver earrings I like and of course if I buy earrings then I am just going to have to match these up with some gorgeous silver bracelets.

February could well be buying some new dresses and who knows about March.

When August finally gets here, I know that for 2 weeks I will be enjoying precious time with my husband and children and all the money spent will be forgotten.