I need an extra push to get restarted
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  1. #1
    Registered User qsaver704's Avatar
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    Default I need an extra push to get restarted

    I started out well at the beginning of this year. I saved $4000 to replace my roof. We have never had so much money in the bank. We were also debt free. I sort of fell apart afterward. I booked a beach house on my credit card. I am not saving like I should be. I need to get refocused. I hope to keep updates as I meet my goals. Below are the goals I would like to see happen before the new year begins. Thanks for any support or comments.


    1) EF of at least $2500~1972.18 so far
    2) Christmas fund of $500~286 so far
    3) extra house payment of $800~0 so far
    4) repay vacation debt: $1390 left to pay
    5) save money for tree removal $0 of $900
    6) new car fund: $0

  2. #2
    Registered User qsaver704's Avatar
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    OK. I have checked my balances as of today. Here are the changes.

    1) EF of at least $2500~1890 so far (this one went down because my car insurance for 6 months was due)
    2) Christmas fund of $500~286 so far-$314
    3) extra house payment of $800~0 so far$9
    4) repay vacation debt: $1390 left to pay
    5) save money for tree removal $0 of $900
    6) new car fund: $0

  3. #3
    Registered User Contrary Housewife's Avatar
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    Good for you! You know what you need to do and it looks like a good start. Just keep at it!
    Stop trying to organize all of your family’s crap. If organization worked for you, you’d have rocked it by now. It’s time to ditch stuff and de-crapify your world.

    If you're not using the stuff in your home, get rid of it. You're not going to start using it more by shoving it into a closet.

    Use it up, Wear it out,
    Make it do, Or do without. ~unknown

    Because we, the people, have the power to build a better future. KH

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  5. #4
    Registered User chevy_chick95's Avatar
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    Boy me too! I really need to reasses and make some goals and get motivated to actually reach them. You have a great start! Good luck

  6. #5
    Registered User Greebo's Avatar
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    Quote Originally Posted by Thread title
    I need an extra push to get restarted
    Ok...you asked for it...

    Congratulations - you made a mistake financially and took on some consumer debt.

    That makes you human. Everyone over the age of 12 has made mistakes with money.

    Hopefully the vacation was a good one - but now you also know that NEXT year, you can SAVE for the vacation and pay cash, saving yourself more money overall and feeling a lot more secure about it at the same time, right? RIGHT?

    Hmm - that ended up being gentler than I expected...

  7. #6
    Registered User nodmicks's Avatar
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    It is great you see where you are and have a plan. You've insprired me to reevaluate myself! Thanks

  8. #7
    Registered User dcompton's Avatar
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    Wow, Greebo. You can really make me feel special! I made mistakes with money before I was 12. I must be really talented in that area.

    Good goals, qsaver. It really does help to have them written down and tracked.

  9. #8
    Registered User Greebo's Avatar
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    Quote Originally Posted by dcompton View Post
    Wow, Greebo. You can really make me feel special! I made mistakes with money before I was 12. I must be really talented in that area.
    You, you you. It's all about you, isn't it?

    What about ME?




















  10. #9
    Registered User dcompton's Avatar
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    Well, ok. So I'll concede you are very talented too. There. Feel better?

  11. #10
    Registered User Greebo's Avatar
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    Quote Originally Posted by dcompton View Post
    Well, ok. So I'll concede you are very talented too. There. Feel better?
    Yay! I'm talented!

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    Registered User piney's Avatar
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    well you realized you needed and extra push to get started,that better then i am sometime i need a big shove and some one to keep on shoving me.But i know we are at the right place fv.

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    Fall and Winter seasons are a wonderful time to buckle down and get back on track. Good luck!!

  14. #13
    Registered User Minner77's Avatar
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    I personally would take small/no/close-to-home vacations till I had a generous EF. But that's our family's financial personality; we're not comfortable unless we have a good cushion. We have no debt outside of the mortgage, and work to keep it that way. It's true that my DH makes a good income, but he didn't always; when he didn't, we didn't have the extras. We have wiggle room now, but haven't forgotten "those" days, so we're always careful.

  15. #14
    Registered User Minner77's Avatar
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    My edited post didn't save since the server was busy for so long, but I wanted to add that you are on the right track by taking stock right away. You've already proved that you can do it -- look at the great stash you already had! You already know how! (And, you already know that coming here is oh-so-wise )

    Best of luck to you on your jump start.

  16. #15
    Registered User qsaver704's Avatar
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    Quote Originally Posted by Greebo View Post
    Ok...you asked for it...

    Congratulations - you made a mistake financially and took on some consumer debt.

    That makes you human. Everyone over the age of 12 has made mistakes with money.

    Hopefully the vacation was a good one - but now you also know that NEXT year, you can SAVE for the vacation and pay cash, saving yourself more money overall and feeling a lot more secure about it at the same time, right? RIGHT?

    Hmm - that ended up being gentler than I expected...
    Much gentler! I am quite shocked! You speak truth, though.

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