Financial Review For June

2009 Personal Finance Goals
This first part I got the idea from Green Panda Treehouse check them out!

Debt:

• Pay off one of adams loans Up to date with payments...
  

Spending:

• Eat out no more than once a week--this month sucks, we have no food at our house. Just went shopping yesterday
  


• Use coupons as much as possible--Jeannie and I are getting together to do this now
  
  
• Furnish house with garage sale/thrift store items until we redo the room with no more than $1000 new goal 2/09 Havent bought funiture yet...we got a free loveseat from a friend
  
  
• Research water heaters new goal added 5/09 we havent bought it yet...by next month we will because ours is leaking
  
  
• Research Cable/Internet packages...possibly AT&T new goal 6/09

• Move 401k to Fidelity new goal 6/09
  

• Contribute 6% of my paycheck to my 401k new goal 6/09
  

Frugal:

• Try to get enough CFL lightbulbs to replace all of the lights when we move in..using coupons of course --no sales on these lately, still lookin!
  


• Keep entering giveaways for gift cards to home depot for our house have not done this yet...no time since we got home :(
  


• Savings: Save up 6 months of emergency savings currently at: $5,316.49--not contributing now...
  
  
• Save up a downpayment on a car brand new Hyundia accent have $12,700 saved, I am gonna go get a car tomorrow possibly...I might have a small payment to make.
  


• Max out Roth by April 2010 new goal added 2/09
  
  
• Adam to get a full time job by August--currently getting some work here and there and working on our house!
  
  
• Save $2000 for washer and dryer fund...maybe less I dont know new goal added 5/09 our fund is now at: $901.36 --we have 6 months to pay $1400 off
  

So Here we are in June! Life is crazy I dont even have time to update this! We are home and trying to get our house ready to move into. Spending a ton of money doing it...also things we didnt expect---like tearing up every room of carpet because of the former owners. I got my job back so thats good...adams still looking. Lets hope next month I get the bills paid and possibly save something!

My Short Term Financial Goals by June
Heres what we got:
Last month= blue
This month= red

Our HouseFund: $15898.08--$12,389.26(bought a washer, dryer, hardwood floor, carpet etc...and still have to get gutters)
My Checkings (high interest): $4914.77--$6,183.27(that will be down soon...to pay the credit card)
My Checkings (no interest):$3211.11--3,104.67
Roth: 12,042.96--$13,524.65
Credit Card debt: 2,607.25 will be paid off by the end of this month
401k: $1624--1,765.43
**NEW 401k--$3,504.32-- 4,567.29--I will stop contributing at the end of this assignment :( then I will just have my Roth to contribute to until I get matching at my job

Goals Initiated this year

• Biweekly Payments plus Principal on house
• Sending our taxes away to get done by professionals
• Applying for the New Home Buyer Credit $7500 to repay in the next 2 years
  

Completed Goals

• Pay off scooter by February balance=done January 10
• Pay off Jeep done! 2/1/09
• $1000 in Emergency Fund done January 16
• Emergency Fund $5000 done March 27
• Save some of every paycheck for Roth so I can max out next year($5000) done March 27
• Start contributing to my Roth this year and max out by April done March 13
• Buy a washer and dryer for house on sale with coupons! Got it from Sears Outlet 30% off $1400 total done June 5
• Buy a bed when we get home We got it from Levin furniture outlet good deal done June 10
• Continuing Job searching and have something set up by early may hopefully June 15th I start my new job!

Looking Ahead:
Goals for the next 3 months until September:

• Make a budget list
• $208 at Roth every 2 weeks to max out by April
• Have Adams loan down to $4000 by Sept
• Pay off Credit Card Each Month (do biweekly payment)
• Build a stockpile of food, try to spend no more than $50/week on groceries
• Get only free stuff and essentials at the drugstores
• Try to get $25 in Chacha money
• Continue to use Swagbucks, Surveys and Youdata for extra money
• Buy a washer and dryer
• Buy a bed
• Buy a hot water heater
• Buy furniture