- 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
Frugal
- 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
- Move 401k from Principal to Fidelity in may 2010
- Close Huntington and move money to northwest savings
- Pay off Credit Card biweekly
Budget
$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
Frugal:
- 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
