With the new year just under four weeks away have you started to think about what you would like 2015 to mean to you?

I am trying to have lots of things to look forward to next year, my daughter will be three, we are going to take her to Edinburgh zoo to see the Pandas. My sister is getting married and I have her hen do to go to, that is all in the start of the year, and then later in the year I will be turning 30.

I have already planned some targets for the new year, I have amount of debt I want to clear and my saving £1 a day challenge, I am sure there will be more plans and goals along the way.

Are you looking forward to a new start in 2015?