I need an extra push to get restarted

**qsaver704** · 09-22-2009, 12:56 AM

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

**qsaver704** · 09-22-2009, 01:03 AM

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

**Contrary Housewife** · 09-22-2009, 01:06 AM

Good for you! You know what you need to do and it looks like a good start. Just keep at it!

**chevy_chick95** · 09-22-2009, 02:01 AM

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

**Greebo** · 09-22-2009, 06:33 AM

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...

**nodmicks** · 09-22-2009, 09:52 AM

It is great you see where you are and have a plan. You've insprired me to reevaluate myself! Thanks

**dcompton** · 09-22-2009, 02:58 PM

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.

**Greebo** · 09-22-2009, 03:00 PM

Originally Posted by dcompton

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?

**dcompton** · 09-22-2009, 03:14 PM

Well, ok. So I'll concede you are very talented too. There. Feel better?

**Greebo** · 09-22-2009, 03:16 PM

Originally Posted by dcompton

Well, ok. So I'll concede you are very talented too. There. Feel better?

Yay! I'm talented!

**piney** · 09-22-2009, 05:18 PM

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.

**Maine Girl** · 09-22-2009, 05:58 PM

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

**Minner77** · 09-22-2009, 10:40 PM

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.

**Minner77** · 09-22-2009, 11:59 PM

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.

**qsaver704** · 09-23-2009, 12:09 AM

Originally Posted by Greebo

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.