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  1. 02-25-2006, 03:28 PM #1
    starsapphire
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    Default My goals for 2006

    I will boost my EF to $1000

    I will pay off 3 out of 4 of my CC's.

    I will save $1000 for our vacation in September.

    This is doable for me. It will mean I have to continue to tighten my belt, and stay OUT of Smartbargains.com and Ross Dress for Less LOL DH is having some financial issues and won't be able to contribute much to the vacation fund this year but I'm going to put whatever I get back on my taxes this year ($200 or $300) into the VF to kickstart it.

    Long term goal: start saving for a house downpayment (after I pay off CC's) and contribute to my IRA

    You guys have inspired me. I went grocery shopping today and I've saved my receipts. I'm okay at frugal stuff like planning meals around sales, shopping at discount stores etc. but I'm going to save my receipts and see if there's any more corners I can cut within reason.
    “When you get to the end of all the light you know
    and it's time to step into the darkness of the unknown,
    faith is knowing that one of two things will happen:
    you will be given something solid to stand on,
    or you will be taught how to fly.” - Edward Teller


    “Our Earth is degenerate in these later days;
    there are signs that the world is speedily
    coming to an end;
    bribery and corruption are common; children no
    longer obey their parents;
    every man wants to write a book and the
    end of the world is evidently approaching.”
    — From a translation of an inscription on
    an Assyrian clay tablet, circa 2800 B.C.E.

    God, grant me the serenity to accept the things I cannot change,
    courage to change the things I can,
    and the wisdom to know the difference    .


    aho mitakuye oyasin
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  2. 02-25-2006, 03:34 PM #2
    carolyns
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    Default

    Sounds great! That is the most important thing is having a plan. I guess I should start working on a doable plan myself. Thanks for the inspiration!
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  3. 02-25-2006, 04:43 PM #3
    tlenad
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    Smile

    Isn't it great when you get a plan in place. It makes it much easier for me to be focused in on paying down debt if I know what exactly I'm heading towards.

    My goal this year was to get three cards paid off. I have two of them paid off already so I'm doing pretty good. I just opened another one though to transfer some of the balance on the third card to too lower the interest rate. So now I have two cards that I'm trying to pay off this year.

    Good Luck with your plan.
    Have a nice day. Traci

    Baby Step 1 - $1000 Emergency Fund - Complete
    Baby Step 2 - Working It.

    Challenges -

    Grocery Challenge -
    January $50 a week
    Week 1 - $47.52
    Week 2 - $45.75
    Week 3 -
    Week 4 -
    All other months $100 a week.
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  4. 02-25-2006, 04:45 PM #4
    madhen
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    If you keep track of all your expenses for a month, I think you'll be surprised at how much "leakage" there is. I did this for February, and it helped me see clearly where my "extra" money is going. I'm excited about seeing how much I can NOT spend in March!
    DH aka Mad Hen
    (http://mad-hen-creations.blogspot.com/)

    June no-spend: 0/15 June wasted money: $0 June grocery: $0/400
    2012 LAPAW: 8.8/20 2012 Get-Thee-To-The-Gym Challenge: 7/52
    : 1136/66,795 Run/walk challenge: 91/520 miles
    Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) (2911 days until retirement)

    Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi
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  5. 02-25-2006, 06:29 PM #5
    frugalaussie
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    Congratulations on setting your goals. I agree with other posters, it wasn't until I seriously tracked my spending that I could focus on paying down debt. It helped because you gain confidence in knowing that you will have enough money to meet you commitments and you can plug up those slow leaks that steal your money away.

    frugal aussie
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  6. 02-25-2006, 06:33 PM #6
    FrugalMomof3
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    My goals are pretty easy...

    - Pay off the rest of our CC's before 1/2007
    - Save $500 for vacation in August
    - Continue to put in $25 every 2 weeks into my EF fund (ING), will try to put more as I can
    - Continue to be frugal

    That is my main goals right now and I plan to stick to them. I am determined.
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  7. 02-25-2006, 06:57 PM #7
    AmyBoz
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    Sounds like your plan is solid and you are on track! You can do it!
    My Blog: http://amysreallife.wordpress.com

    Amy
    Wife to
    Mommy to 4
    Public School Teacher

    Our Only Debt: Mortgage - $454,243.56
    2012 Grocery Challenge: $474.57/$500 January
    Fling 2012 Things in 2012 Challenge: 253/2012
    Reading Challenge: 6 book read in 2012

    Always remember others may hate you, but those who hate you don't win unless you hate them. And then you destroy yourself."
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  8. 02-25-2006, 07:00 PM #8
    starsapphire
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    Yes I'm looking forward to the challenge.

    Thanks for all your replies.
    “When you get to the end of all the light you know
    and it's time to step into the darkness of the unknown,
    faith is knowing that one of two things will happen:
    you will be given something solid to stand on,
    or you will be taught how to fly.” - Edward Teller


    “Our Earth is degenerate in these later days;
    there are signs that the world is speedily
    coming to an end;
    bribery and corruption are common; children no
    longer obey their parents;
    every man wants to write a book and the
    end of the world is evidently approaching.”
    — From a translation of an inscription on
    an Assyrian clay tablet, circa 2800 B.C.E.

    God, grant me the serenity to accept the things I cannot change,
    courage to change the things I can,
    and the wisdom to know the difference    .


    aho mitakuye oyasin
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