2011 Goals

2011 GOALS :

1. Pay off CC#1 which has a balance of $4,830.49. I have signed up for 3 OT days in the hope that I'll get at least one of those days.

2. Pay off CC#2 which has a balance of $1,034.25. Again I've signed up for OT and this is the bill I'll be paying off first since the interest rate is very high.

3. Save $1,000 for a summer vacation, it will be a driving vacation and won't be too far away but I'd like extra money just in case.

4. Track all spending for the month of January, I'm going to try to do this the whole year but I'll start small and work my way up.

5. Buy a one way plane ticket (this is non-negotiable) and needs to be done by the end of January. This will cost approx $100 and needs to be done very soon.

6. Pay cash for dental work that needs to be done this year.This is ~$450 and will need done asap according to my dentist.

7. Lose 10lbs by taking lunch to work twice per week and exercising three times per week.

This seems like a small list but I'm hoping I can do everything on it by 12-31-2011
~PBMFMM

Been Good so far

So I still have $500.00 left over in savings so far I'm hoping to not spend, I have picked up some extra days next month at work and hope to be able to work at least one or two of them, all that money will go into savings since I have seemed to have spent and spent for Christmas. I'm going to try to get some 2011 goals up within the next few days and weight loss in first on the list, I personally believe weight and debt go hand in hand so lets see what we can do with both of those in 2011 :-)

~PBMFMM

Left over money

So I have about 600.00 left over from vacation and my paycheck I do still have to take out some money for Christmas presents, but I'd like to try to keep 500.00 extra in savings I'm trying a new idea with my paychecks and transferring to savings any money over the allotted amount I need each month for bills, because I'm hoping that if its out of checking and in savings I won't spend it. I figure it's worth a try and I can hopefully build up some money in savings and take out lump sums to apply to debt when I hit a certain amount, an amount I actually  haven't decided on yet, so I'll have to save that for another post.
~pbmfmm

Vacation

I took a small vacation in the beginning of the month, paid cash for most everything and had a great time. This will be my last vacation for awhile since I'm going to be hunkering down and paying down debt. I need to redo all my debt because most has gone up. I've also been trying really hard to lose some weight which I'm hoping will go hand in hand with getting my finances under control. I'm going to make a bucket list of things I'd like to do and hope I can get to some of them cheaply in the next couple of years since I will be deciding if I can do a 2 or 3 year debt payoff I'll need to add the total and decide at at a later time. Hopefully I can be back to blogging at least on a weekly time frame if not daily :-)

`PBMFMM

December

Well since I haven't posted for awhile It's been a very spendy past few months. I'm going to attempt to start doing daily or at least hopefully weekly updates on our spending. I have already done a budget for 2011 and this time I plan on keeping to it as strictly as we can although we might have to adjust the food budget somewhat we won't know until the start of next year.