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2012 goals progress report

March 18th, 2012 at 02:48 pm

Now is usually the time people start to give up on their New Years resolutions. Not the fabulous people of SA!

In a personal bid to stay focused and on track, I'm tallying up the year's progress. So far, we've:

Knocked $1661.56 off the car loan balance. Very exciting. Hope to pay if off by the end of the year. We may get a tax refund, and if so, 50 percent will go to the car loan balance.

Knocked $2647.83 off the mortgage balance. Good, but I sure do wish it was more. I miss being mortgage free. Each monthly payment knocks about $800 off the principal, and while I'm focusing on eliminating the car loan, I am trying to send some tiny extra bits to the mortgage as well.

We've logged $1200 in credit card signing bonuses. $625 went to savings, and the rest to gift cards, and a Home Depot card we used to buy a chest freezer. Not too shabby!

We've saved $8450, although most of this was from an annual bonus, rather than thourgh tried and true effort. We are putting $150 per paycheck into savings, but lately money has been moving in and out of savings to cover big expenses. I'm trying to keep the balance going up, even if it's just by a small amount, it's just been hard! I think I have also been so zealous on debt repayment that I've made the checking account razor thin.

The kids 529 contributions are on auto pilot, $200 per month per kid. No changes there. It's slow and steady wins the race. I want to put away more for them, but with the giant childcare bills so I can work, it's been hard. BY next year, when DS1 starts kindergarten, we should have more to dedicate to college savings.

In other goals,
I've lost two pounds, put myself out there to new freelance clients (won 1, lost 1), and we've been socializing more. All that is good. A lot of areas still need work (like I need to try to shop smarter and keep a lid on everyday spending--and NEVER let hubby do the grocery shopping!). Overall though, not too bad for mid-March.

How are you guys doing??

9 Responses to “2012 goals progress report”

  1. Swimgirl Says:

    Totally agree. Never let The Husband do the shopping!

  2. ThriftoRama Says:

    He always buys the brand names, never uses coupons, ignores the sales. AND buys stuff we already have. I don't get it. I caught him complaining we have no bread and writing it on the shopping list, when we have 10 loaves in the chest freezer. ARGH!!!!

  3. Swimgirl Says:

    Yes, yes, yes, and YES! We must be married to twins!

    My best (and most expensive) story... I sent him to get a pineapple. Rather than going to the closest store, he went to the natural food co-op across town and got an organic pumpkin. It was $8.99!!

  4. ThriftoRama Says:

    Yeah. I really do wonder how they lived without us. Then it kind of makes me mad that they really pay so little attention to what's going on in their own house.

  5. Looking Forward Says:

    I'm on the "slow and steady" course. I want to progess faster. But some progress is better than none. Smile

  6. Swimgirl Says:

    I know, ToR, but I tell myself that it's a good thing he's so focused on his job, which keeps us going BIG TIME. Mine has very good intentions, but just gets thinking of other things and doesn't pay attention to the same kinds of details I pay attention to. I'm still keeping him. He can't shop worth a darn, but he has many other fabulous qualities!

  7. LuckyRobin Says:

    Mine's under 18K. It's going down slowly but surely. I'm not sending extra right now since we are planning to sell, but I put a lot of extra on it in the past and estimate I've shaved 4 years total off a 15 year loan.

  8. LuckyRobin Says:

    Sorry about that. This comment was supposed to go on the previous blog. I don't even know how that happened!

  9. Swimgirl Says:

    HAD to tell you... The Husband went to the store the other morning before we went to work. Somehow our supply of frozen bread and rolls was completely depleted. Nope, no crackers, either, and the kids needed something to take in their lunches to go with their yogurt, fruit, etc. I was due for a grocery store trip and a day of baking madness, but we did urgently need one loaf of bread.

    He went to the closest store that was open, CVS, and decided that while he was there, he should get a FEW loaves of bread. Why he felt the need to stock up at 6 am, I'll never know! I was heading to the store that afternoon.

    And each small (much smaller than the Costco loaves I usually get!!) loaf was a mere $5.49. I actually shrieked in pain when I saw that receipt!

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