Happy New Year to all of my blogging pals. I hope 2013 will be a wonderful productive year for all of us! I know I will work hard to make this a goal of mine. Just a better year.
Last year was some what of a bust but it was also good in many ways. I really cut back on what I did for the school district and this helped with stress. I also had D#2 seriously move away and make it on her own and this has helped although I miss her. I have taken a newer better stance with my youngest one when it comes to expenses. She is not perfect but more careful. I know all of these changes were small but over all they made a difference. I know that the kids noticed that my Holidays were a little less hectic. Hubby and I are only cleaning the bank 3 nights a week instead of 6 and this has made our weekends easier especially when we are in rehearsal and performance mode. So all in all other than the financial it has been a good learning year.
I still have not worked out a budget for the new year or any real financial goals. I think I am afraid to as last year I had such high hopes and I feel like I just blew it. But the totals are down and I hope to be under $100,000 on the house by this time next year. What I really really want is to just have a house payment, but I realize that will not happen this year. I need to be more realistic. But boy would I love to get rid of the credit card debt and the truck loan. I know the smartest thing to do is to get rid of the higher rate debt first, but I want to get rid of that $500.00 payment in the summer when the studio is not making money. We will see. My dream is to have that truck paid off by the end of June! Maybe I should just do one goal at a time and keep the rest of the bills paid.
Anyway enough hard thinking (see how non committed I am right now?) B and I are headed to the studio to work all day at getting it cleaned up and organized. Ugh! I don't want to do this, but alas I must. Then we are cleaning and detailing her car and getting it on Craiglist! One less expense for me. Yippee!
Hubs and I are going to a movie tonight!
Have a Happy New Years Eve!