Money Goals for October

Debt

• Pay of Medical Bills from surgery- $410.00 from surgery, new lab bills $795
  

• Keep paying Adams Big Loan--extra payments once small loan is gone-- so we redid this plan again...splitting any extra to medical/student loans/boiler So we were able to put $510 extra to the loan this month!! Currently at $34,441.56
  

Save

• Pay all medical bills etc with HSA Fund--used up all of our HSA :( once medical bill is paid we will continue to contribute
• Continue to contribute the max to my Roth $5000-- 2010 roth-currently at 3,579.00 added $416---Adjusted some of my funds this month
• Start Boiler Fund and buy a boiler this year with tax credit Save $3000-- currently $2240 didnt get to get the boiler last month. Hopefully this month!
• Save $40 in HSA fund--will continue to do this once medical bill is paid off
• Start Cavs fund when our first fund reaches its goal and small loan is paid off--just started with $10---will be rethinking this for next year...
• Start a new carpet fund-- started with $10--on hold :)
  

Frugal

• No More than $200/mo on groceries--spent about $300 but we didnt go out to eat at all!
• Free/Cheap stockups at drugstores- I got some stockups on diapers and wipes!

Home

• Paint upstairs bathroom orange-- bought paint 1/10
  
• Put in new toilet and plumbing downstairs done 5/10
  
• Get window treatments for bedrooms done 5/10
  
• Put in new toilet upstairs done 5/10
  
• Get closet doors
• Install toilet and sink done 5/10
  
• Paint downstairs bathroom-- bought paint 1/10
  
• Install bathroom floor--floor boards are down! 3/10 installed 8/10!
  
• Paint computer room
• Install Floor in computer room
• Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
• Buy carpet for guest bedroom--done 8/10
• Buy floor for downstairs bathroom--bought 4/10
• Redo electrical box- done 3/10
• Get all downstairs plumbing done--done 3/10
• Get Drywall done in downstairs bathroom-- done! 3/10
• Put downstairs bathroom floor in done 5/10!
• Paint Bathroom done 5/10!
• Buy bathroom sink- done 4/10
• Install dryer--done 9/10!
• Install cabinet in bathroom--done 9/10
• Install countertop in bathroom
• Buy upstairs carpet for guest room--done 8/10
• Paint upstairs guestroom--done 7/10
• Carpet Living and Dining rooms
• Take a trip to IKEA to furnish guest room before babies come--done 9/10
• Drywall Office
• Paint office
• Floor in office
• Put shelves up in blue room and babies room

Organize Accounts

• Move 401k from Principal to Fidelity in may 2010--still didnt do this--did you jeannie??
• Pay off Credit Card biweekly--paid!

Budget
$200 mo groceries spent about $300 but no eating out
$280 mo gas $172/mo
$600 year auto repair none this month
$50 mo electricity --$161! Hot summer??

$50 mo clothing--$90 for some maternity clothes
$100 fast food/dining--$56 starbucks and jimmy johns due to working days

$40 Water quarterly--1/10 $31.41 8/10- $82.00

Added Goals

• pay one fund at a time and get to the goal of the emergency fund $5000 first DONE!
• Keep paying Adams Big Loan--extra payments once small loan is gone--started this!
• Save $40 in HSA fund-I will be put on hold until medical bill is gone
• Get all funds done then make emergency fund 6 month savings
• Get bank account to $10000 pay off medical bills and then pay off adams small loan---kinda switched this. 1/3 to medical/boiler/student loan
• Buy a boiler in August---or september... or october...
  

Completed Goals

• Consider Refinancing our House---7/16 it will be final!! 4% 15 yrs! Plan to payoff in 12 yrs
• Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
• Continue to contribute the max to my Roth $5000--Maxed 2/8
• Close Huntington and move money to northwest saving--2/10
• Pay $450 more for basement plumbing done! done 3/5
• Buy Cavs season tickets...make a fund next year!--bought 3/10
• Use Thank You rewards for Adams Loans-- used them! 5/10
• Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
• Pay off Adams Small Loan by December--PAID OFF!!! 6/10
• Get Emergency Fund Back to $5000--5861.43!! 6/10
• Once we get the Schwab card, get rid of Citi---done with citi! 6/10
• Get Baby Fund to at least $5500(we have changed this goal to $10000 due to bedrest)- currently at $10002.00--GOAL MET!!! 9/10
• Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- went on our shopping spree :) 9/10
• Look into different mutual funds for Roth...--done 9/10 will check back 12/10
  

Goals not completed

• Pay off Adams Small Loan by March
• Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
• Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
• Opening a Chase checking because they are giving away $150
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