What are the needed things in '09 that you just don't know how to squeeze in?

[MamaTreadler]

What are the things that you need to do or purchase in the coming year that you just don't know where the money is going to come from?

I think my most needed and important things are:

* braces for 2 children. Even with our dental insurance, I don't know where the money for the deductable/non-covered things is going to come from.

* I need dental work. Same as above about deductable and non-covered parts.

* My house really needs a new roof. Not sort of needs, but needs. We are on about year three of putting it off. It can't be put off much longer.

* Emergency fund. I don't mean a fund for something like a broken down car. I mean a fund that would see us through if dh lost his job.

Anyone else have needed things they don't know how to fit in?

[sunshine]

my surgery on my other leg (at least my portion, that's not covered by insurance)

dd's college tuition

repairs on my car - windshield wipers aren't working, headlights go out at times (I think I have an electrical issue)

[sueh]

I have to have a bunch of dental work also. One of the procedures is going to deplete my insurance right away.

I also need to fund my emergency fund.

[Mom23boys]

We need:

~Braces for DS#3 (should finish paying off DS#2's braces this year and will then start on DS#3

~New refrigerator

~Need to replace one of our 2 vehicles that were totalled

~Would like build a new front porch

~Need to repair front door

~Need to retile our bedroom

~Would like to paint the outside of the house (not bad now....just want to update it)

[Cricketlegs]

dental work for myself and 2 dds

New floors, we are doing some ceramic tiling as we speak but the whole house needs floors and paint.

The rest of the back yard cleared. We paid $1000 to get half of it done last summer. What a difference!

I think that is the worst of it.

[homesteadmamma]

~dental work for 3

~our re-decorating (this is going to get done somehow over the year)

~we have outside work that needs to get done has well (not sure how this will get done at all)

[Jskell911]

We need:

A New Bulkhead for the basement
New French Doors for the living room
A New Front Door
A Neurological workup for me

[Michelle68]

We need:

--to retile the master bathroom

--have plumbing work done in both baths

--Dental work done for DH. (Although that's more of a chicken thing. He doesn't like going to the dentist.)

[JessieMom]

-Replace the deck in the back (we use it for main entrance to the home)

-New garage door for barn

-Tuition for DS#1 (told him we'd pay tuition if he does community college the first 2 years)