Saturday, Happy New Year! Goals for 2022!

 On your mark, get set, go!  2022, what do you hold?  Well for one thing we will all see the die out of the pandemic by the end of the year, that will be nice. For us individually who knows.  I do beleive however, that we make our own luck.

I have 365 whole days to screw things up!  Who wants to come and watch?  There will laughter and there will be tears, but I can also promise you a good time.

We got mom off this morning and the missionary apartments out of town visited.  Stopped in Grangeville at the store and bought blue Gatorade and cookie dough ice cream for the three sister missionaries who have covid. Dropped it at their door.  Roads were not too bad but we had low temps mostly under 0 for much of the drive. Just glad that is over.

Ow hub's and I can resume our favorite spots.  Mom really enjoyed last nights dinner and dessert. I breaded the fish in milk and egg and breadcrumbs then just browned it in a little oil and then baked it.  So good. Will have to do that more often as I have fish in the freezer.

Here is to our pantry challenge: We have left over pasta and salad in the fridge and that is dinner.  There are a couple of pieces of blueberry tart left also.  Tomorrow it is prime rib, potatoes mashed, frozen veggie, biscuts and a Swedish almond cake from the freezer with Ice cream.  

SO what kind of goals does Kim have planned for herself?

Well...... I am going to repeat the same ones I did last year, only this time I will put most of the monies in the bank on a weekly basis. I really need to get to work paying down the house loan and I did not make great progress last year as I was having too much fun.

Financial 

1. save all my change in my red coca cola bank, cash this in next Dec.7 2022 Christmas fun money

2. save a penny a day in my penny can.  This will give me and additional $600 or more dollars for Christmas.

3. I will save all my $5 dollar bills and on Monday take them to the bank and apply to the mortgage. But will keep a tally of the total

4. I will save a $1,$5,$10,$20 bill every week, this will be for vacation.

5. I will have 100 envelopes marked 1-100, I will fill 2 a week and then take that money with the $5 dollar bill savings to pay on the mortgage.  Since this is often close to $100 a week it does not make sense to keep it at home when I can pay down interest

6. Any extra money after that will be put towards a $2000.00 emergency fund.  I want to get that built up asap.  We do have funds for an emergency, but I want my own.

7. I must pay and extra$1000.00 per month on the mortgage in addition to all other funds.

8. I must put aside $300.00 a month in a house saving for taxes.

9. I will of course keep my $1000 savings charts.  This shows me just how much I can squirrel away a year.  Now I just have to use it for the mortgage and now fun, fun, fun

Once  week probably on Tuesday I will report my extra on the mortgage.

So far I have saved up enough this last couple of weeks to put $300.00 in the tax account for the month of January. So I am one step ahead of the game. I will also get $157.00 from Adsense on the 20th of the month to help with something.

I know I have to fly to St Louis for a week for my nieces wedding and I need to have money for that.

I will have to work very hard and keep my nose to the grind stone to meet these goals.  Now watch Slug will entice me with another trip!

DO you have any plans financial or otherwise for the new year?

What are they.

 

Have a great and productive day staying positive while you are in  the negative.

 

Kim