As I mentioned previously, 2008 was a upgrading year in my world...home...body...mind. It was quasi successful. The most successful part was the upgrades at the home. I thought long and hard about what goals I wanted for 2009. I wanted them to be realistic and accomplishable. I wanted them to be enough of a push for me to grow and change. If they were things I'd accomplish already, then it is not so much a goal list as a to do list.
These are not completely financial related, but part of a whole to bettering my world and myself.
- Eliminate credit card debt and work the budget appropriately so I can use them, but NOT carry a balance.
I do want to be able to use my Mastercard for my everyday purchses so that I can get the reward airmiles with it and perhaps GO somewhere with them. Assuming no surprises, the debt I aquired before Christmas should be paid in full by April 25th paycheck. I would like to see this paid off earlier and will throw all of my new snowflakes at it, to help along the way.
- Pay off the rest of my Bank of Mom loan.
She bought a ton of things for us while we were doing renos and while she doesn't really care if I pay her back at all, I need to do this as part of my 'it's time to be as grownup' philosophy. If the Mastercard is paid off by end of April, the B o M loan will be paid off by end of May. woo hoo
- Increase Emergency Fund to $1500
I did well creating my first Efund starting in July and getting it to $1000 goal by Christmas. It's small, but a start. As soon as I get my Mastercard and my Bank of Mom loan paid off, I will redo my budget to allow for some to go to the Efund and the rest of the snowball to go towards my personal loan.
- Fully Fund $1000 Christmas 2009
I am excited about this goal. I've never had a savings account for Christmas before. Barring unforseen events, this fund will get $100 a month and be fully funded by end of October.
- Use the money jars faithfully for January, February and March
After this, I want to re-evaluate how this is working, practicality etc.
- Go to the gym 3 x a week
I am paying just under $50 a month for membership anyways and I KNOW how beneficial this is for me, mind, body and spirit, so this is a Must.
- Get back on Weight Watchers.
Face it, the program works when you DO the program.
- Get off the computer and spend more time with my children, my friends and taking care of myself and my home.
I 'think' that is it, in a nutshell.
5 comments:
Great goals! Love the bank of mom goal. I haven't had to use that bank before thankfully but I can fully understand wanting to pay it back.
great goals!we all will be here cheering you on in 09!
and I love the "get off the computer goal" I need to follow suit... I am tired of always being on the computer - curse the internet!
Very responsible, grown-up goals! It sounds like you have everything in place to make great progress!
Your blog is looking great, too!
Great goals. Hope you exceed them all in 2009.
i'm sure you're accomplish your goals. let me know how the money jar works, i've never tried it. also, i too just started going back to the gym and as much as i HATE it, there's no denying the postive impact on my soul, mind and body. (sighing because i'm thinking about my 20 minute elliptical exercise and the 30 minute treadmill jog that will follow at 5:30 tomorrow morning;-).
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