Sandrark's Goals, 2013

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sandrark
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Sandrark's Goals, 2013

Postby sandrark » Thu Jan 03, 2013 4:30 pm

I find I do better when my goals are clear. For 2013, the goals are:

1. Pay $15K in principle on the mortgage. $1200/$15,000 = 8%

2. Pay off car ($4730 left). $403/$4730 = 8.52%

3. Pay minimum of $1K each month towards joint savings goals, improving our net worth. $1100/$12,000 = 9.17%

4. Create a household binder, with info for DH, including logon IDs, passwords, budgets, mealplans. TBD

5. Do better at meal planning. TBD. Joined Emeals via Groupon, $29 for 12 months.

6. Use cash at BevMo, Costco, and the grocery store. (Used cash at BevMo today, and stayed on budget. Yay!)

7. Max out 403(b) at work. $1416/$17,500 = 8.09%

8. Continue charitable giving at current level of $750 per month. $750/$9,000 = 8.33%

N2Deep
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Re: Sandrark's Goals, 2013

Postby N2Deep » Thu Jan 03, 2013 7:53 pm

The month is barely even started and you're at 8% or better... I'd say you're well on your way to making those goals come true.
I can not dwell over that to which I have no control...

sandrark
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Re: Sandrark's Goals, 2013

Postby sandrark » Sat Jan 05, 2013 4:08 pm

N2Deep wrote:The month is barely even started and you're at 8% or better... I'd say you're well on your way to making those goals come true.


That's because I'm paid once a month. To stay on track, I have to do at least 8.25% per month, on average, to meet my goals.

:lol:

sandrark
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Re: Sandrark's Goals, 2013

Postby sandrark » Fri Mar 29, 2013 11:06 am

sandrark wrote:I find I do better when my goals are clear. For 2013, the goals are:

1. Pay $15K in principle on the mortgage. $3600/$15,000 = 24%

2. Pay off car ($4730 left). PAID IT OFF TODAY! I had the funds sitting in three different accounts, and decided this month that I still had $2K in short-term savings once it was paid off. So I moved funds to checking, and just logged on to pay it off, on April 2. Wha-hoo!

3. Pay minimum of $1K each month towards joint savings goals, improving our net worth. $3200/$12,000 = 25% or so.

4. Create a household binder, with info for DH, including logon IDs, passwords, budgets, mealplans. TBD I *have* gotten the binder, it's sitting in the kitchen bookcase with the cookbooks. :D

5. Do better at meal planning. TBD. Joined Emeals via Groupon, $29 for 12 months. Still haven't used them, but I have the recipes, and I've been careful with grocery shopping. Coming in under budget so far.

6. Use cash at BevMo, Costco, and the grocery store. I've done this once so far this year. But I have set a dollar budget, writing out what I buy (and how much!) before I go, and I've stuck to this amount.

7. Max out 403(b) at work. $5841/$17,500 = 33.37%

8. Continue charitable giving at current level of $750 per month. $3000/$9,000 = 33%


So the big victory - paid off the car. 8 months early. Yay!

peachy
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Re: Sandrark's Goals, 2013

Postby peachy » Fri Mar 29, 2013 2:04 pm

Hey stranger!!
Congrats on getting the car paid off early. I did the same thing with my motorcycle. The loan payment paperwork kept coming around and coming around, and finally, I said 'enough is enough!' and paid it off. Good for you!

LeRainDrop
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Re: Sandrark's Goals, 2013

Postby LeRainDrop » Fri Mar 29, 2013 2:07 pm

sandrark wrote:So the big victory - paid off the car. 8 months early. Yay!

Congratulations! Must feel good to have that monthly payment lifted from your shoulders :-) And congrats to you, peachy, for getting your motorcyle paid off early, too!

sandrark
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Re: Sandrark's Goals, 2013

Postby sandrark » Sun Mar 31, 2013 1:59 pm

peachy wrote:Hey stranger!!
Congrats on getting the car paid off early. I did the same thing with my motorcycle. The loan payment paperwork kept coming around and coming around, and finally, I said 'enough is enough!' and paid it off. Good for you!


Right back atcha, Peachy! Yeah, I'd been squirreling away extra savings, and at some point, I was like "Just pay it off!"

Still have the "family" emergency fund of 4 months, and $2K+ in my own savings.

Full confession - one reason I did it is we're considering buying a used boat for the summer here in the new house. We've spent our time and money on fixing up the "new" house for the past 2 years....and now I think it's time for a little flight fun. :D


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