Author: Cheryl
•10:01 PM

As I sit here watching my husband play Guitar Hero on New Year's Eve, I figured now was a good time to post my financial and in general goals for 2009. It is insanely windy and cold here so we decided not to go see the fireworks and just stay in our warm home.

I started this blog in September, so its nice to to be around to start a whole new set of financial goals for 2009. Its amazing though, I just paid off credit card # 3 this morning and by the evening I was bummed out again thinking I still have so far to go and worry it will get harder and harder soon to come up with the extra money to knock it down. But again this is not a race but a marathon and the end results, no matter when they come will be worth it.

Goals for 2009

1.) Pay off credit cards # 4 and 5. My first two I would calculate as having relatively small balances, the third card a bigger small (if that is a word). The next two are in the medium range. I think setting a goal to pay them both off this year is definitely an achievable goal, as long as our income stays relatively healthy. I hope to be on card #6 by the holidays in 2009. I have been hesitant since I started this blog to list how much each card's balance is. Not sure why, maybe one day I will.

2.)Have emergency fund at $1500 by end of year. In 3 1/2 months I have gotten it to $475.00 just by putting $50.00 in per paycheck. So not too bad. I think $1500 is definitely achievable. If my husband's job goes full time then we will have him do the same too and then we will definitely reach that goal.

3.) Buy chest freezer and stock with deals for dinners at home. Well this one is already half way done. My freezer is in, we pick it up tomorrow. I already have a turkey in my mom's friend's freezer waiting to go in there. ShopRite is having a great sale this weekend, and SuperFresh is having triples it should be full in no time.

4.) Stop buying certain pre-made products and make them from scratch at home. Alot of these I still have plenty on stock. So I plan on using up the rest of what I have and then buy nothing but the ingredients I need to make them from scratch.

Laundry Detergent
Fabric Softener
Household cleaners
Pasta Sauce

5.) Clean out the garage and sell unnecessary things. This is definitely a goal that won't be tackled until the Spring/Summer. I live on a street that gets decent traffic when it gets warmer and that really is the time to clean our the garage and sell some things.

Of course I may add some small goals to this as the year goes and of course my current goals are still going strong and won't stop. Its never bad to come up with more you want to do in life.
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On January 1, 2009 at 9:57 AM , said...

Great goals. Cheering you on to get CC's 4 & 5 paid off.

On January 28, 2009 at 7:48 AM , Sheena said...

Nice goals1