Going to start an emergency fund challenge and credit card challenge soon!

**Shell** · 12-13-2007, 04:48 PM

Hi everyone. Remember me? Oh I used to be so good at having my credit cards paid off and saving money. What happened? I took a break. Grrrr.

Now, I have no emergency fund left and I owe on three credit cards. One of the best things to keep me on track was coming here and reporting it.

So . . . I'm back!!!!!

Starting Jan 1st, I will put $100 each month into my saving account and not use my credit cards. I'm going to work really hard at pay off my cards. Once my cards are paid off, I can save more.

My husband and I are also going to save some money each month for our trip to Disneyland in September. We already made out down payment.

Who wants to join me and what are your goals? I've read when you write out your goals and commit to it there is a lot better chance of doing it.

**Nantahala** · 12-13-2007, 05:20 PM

Sounds good to me, I need both!

**guest002** · 12-13-2007, 05:35 PM

I need to stop charging. I was doing oh so good until I hadn't done any Christmas shopping until after Thanksgiving. Usually I'm done before Thanksgiving. Our EF is now super low. I have managed to move around our money so that I still won't pay any interest on any credit card debt but oh, my the amount we are paying is insane.

Jan. goals for us would be pay in full both credit cards and start the rebuilding process on our EF.

**Amanda W** · 12-13-2007, 06:01 PM

I'm in! I need to pay off a little lingering CC debt (less than $1500) and kick our EF into high gear.

**getnrichslowly** · 12-13-2007, 06:16 PM

I'm in! I need to pay off an eliptical I bought last summer before next june. and need tp build up savings again.

**Mom23boys** · 12-13-2007, 09:27 PM

I am so glad you are starting the challenges again! I need to start over in getting rid of my debt. My goals are to get out of debt!!! I already have money debited from my check each month for my EF and DH finally started putting money back in his 401k because the company will match it.

**Nada.Leona** · 12-13-2007, 09:46 PM

I'm in, but remind me in the new year, or I'll never remember this promise!!

**missyali** · 12-13-2007, 10:54 PM

Goal for 2008 ~ EF funded ($1000) by April, Discover and Key paid off by December.

**KJayEsq** · 12-13-2007, 11:51 PM

I am totally in! I have already stopped charging, and I expect to have my Emergency Fund up to $1000 before the end of the year, so I will start my debt snowball then.

**monkeymia** · 12-14-2007, 04:08 AM

I need to get the EF started and regularly pay into it and I also have to pay off the credit card and pay more on the car loan so we can pay it off quicker.

Its a great idea to have a support thread and a kick in the bottom if we start to dwindle. Lol

**nodmicks** · 12-14-2007, 08:05 AM

I don't have any cc balance but I'm saving for braces and a few other things.

**emily_hope** · 12-14-2007, 09:12 AM

Yes, yes, yes! Glad you're back and starting the challenges again. I missed them. I do better if I make a promise and have to hold myself accountable.

**VanVivCam** · 12-14-2007, 10:14 AM

i am totally in...i am going to stick with ALL my challenges. and this year we will be debt free by the end of the year!!!! that is my promise to myself!!!!!

**SweetPea** · 12-14-2007, 10:29 AM

I don't have any credit card debt, but I do have a goal to add $5000 to our savings in 2008. This is going to be a real challenge for me, but I plan to throw everything I can at it. Besides our regular monthly deposit, I'm going to add survey checks, change, rebates, etc.