Sunday, November 22, 2009


  • Pay off Adams Small Loan by March
  • Get Emergency Fund Back to $5000
  • Pay all medical bills etc with HSA Fund
  • Continue to contribute the max to my Roth $5000
  • Use Thank You rewards for Adams Loans
  • Save at least $300 for Sean and Mandys wedding in Disney
  • Consider refinancing in 2010
  • Start Boiler Fund and buy a boiler this year with tax credit Save $2000
  • Get Baby Fund up to $5500 at least
  • Get Vacation fund to $1000

  • No More than $200/mo on groceries
  • Free/Cheap stockups at drugstores
  • Paint upstairs bathroom orange
  • Put in new toilet
  • Get window treatments for bedrooms
  • Get closet doors
  • Redo downstairs plumbing ($1100)
  • Install toilet and sink and fan
  • Paint downstairs bathroom
  • Install bathroom floor
  • Paint computer room
  • Install Floor in computer room
Organize Accounts
  • Move 401k from Principal to Fidelity in may 2010
  • Close Huntington and move money to northwest savings
  • Pay off Credit Card biweekly

$200 mo groceries
$280 mo gas
$600 year auto repair
$50 mo electricity
$50 mo clothing
$100 fast food/dining
$40 mo HSA fund

Accomplished Goals From 2009
  • Eat out no more than once a week
  • Use coupons as much as possible
  • Furnish house with garage sale/thrift store items until we redo the room with no more than $1000 new goal 2/09
  • Research water heaters new goal added 5/09
  • Research Cable/Internet packages...possibly AT&T new goal 6/09
  • Move 401k to Fidelity new goal 6/09


  • Try to get enough CFL lightbulbs to replace all of the lights when we move in..using coupons of course
  • Keep entering giveaways for gift cards to home depot for our house
  • Savings: Save up 6 months of emergency savings
  • Max out Roth by April 2010 new goal added 2/09 continuing to contribute...
  • Adam to get a full time job by August
  • Save $2000 for washer and dryer fund...maybe less I dont know new goal added 5/09
  • 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!
  • Save up a downpayment on a car brand new Hyundia accent
  • 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
  • Continue to use Swagbucks, Surveys and Youdata for extra money
  • Buy furniture