Well, of course being the *nearly* beginning of a New Year, it feels like a great time to make a great change to my life. I hope I don't set myself up for a hard fall by trying to take to much on, but I am ready for some big changes in my life.
Currently right now, I am unemployed. I am looking for employment, but things aren't looking great over here. I am open to working anything, but so is everyone else it seems. This is going to be my biggest challenge, I believe, trying to find something to make some money. As a single mom, it's terrifying, but luckily, I have some amazing family, IF I need their help. I am working on not needing their help.
I am going to try to keep this thread as a complete track of how I am doing, so it's probably going to get a little boring! I want to track our expenses completely, so that this time next year, when I am in a better financial state, I will know what to expect the following year.
Some of my big money goals include; paying down $5,000 worth of debt. To do this, I am going to look and track all of my debt, and hopefully when I am employed, find some "extra" money that I would have normally thrown away at junk towards our debt. I think this is manageable
Another big money goal is to save $5,000. I know most of the financial gurus tell you to save $1000 as an emergency fund. Well, let me tell you how fast $1000 goes when you're unemployed. LOL ... it wasn't pretty. Seeing as how $1000 isn't even a month of our living expenses, I just don't feel comfortable with that amount of money. I know it's better than nothing, but I am going to hope to save $5000 this year to feel safer, if I was to lose my job again.
I have a lot of other goals, including loosing some major weight this year, but these are my biggest financial goals at this time. I am going to try to check in daily with this thread, but I know I can check in once a week.
Fingers crossed! I think this time next year I'll be in a completely different financial state! That's the goal, anyways ...
Currently right now, I am unemployed. I am looking for employment, but things aren't looking great over here. I am open to working anything, but so is everyone else it seems. This is going to be my biggest challenge, I believe, trying to find something to make some money. As a single mom, it's terrifying, but luckily, I have some amazing family, IF I need their help. I am working on not needing their help.
I am going to try to keep this thread as a complete track of how I am doing, so it's probably going to get a little boring! I want to track our expenses completely, so that this time next year, when I am in a better financial state, I will know what to expect the following year.
Some of my big money goals include; paying down $5,000 worth of debt. To do this, I am going to look and track all of my debt, and hopefully when I am employed, find some "extra" money that I would have normally thrown away at junk towards our debt. I think this is manageable
Another big money goal is to save $5,000. I know most of the financial gurus tell you to save $1000 as an emergency fund. Well, let me tell you how fast $1000 goes when you're unemployed. LOL ... it wasn't pretty. Seeing as how $1000 isn't even a month of our living expenses, I just don't feel comfortable with that amount of money. I know it's better than nothing, but I am going to hope to save $5000 this year to feel safer, if I was to lose my job again.
I have a lot of other goals, including loosing some major weight this year, but these are my biggest financial goals at this time. I am going to try to check in daily with this thread, but I know I can check in once a week.
Fingers crossed! I think this time next year I'll be in a completely different financial state! That's the goal, anyways ...