Monday, December 31, 2012

Monday, Happy New Year!

     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!



  1. Here's hoping we all have a better year in 2013.
    No regrets looking back.
    Just look ahead and no fair letting life happen to us, we choose our life and make it happen how we want it to!

    Enjoy the movie. 8-)

  2. Have an awesome time at the movies. Happy New Year's to you and hope this one is a better one!

  3. Kim! Here's to a prosperous healthy New Year!! One day at a time. The debt will go away!

  4. I've been reading your blog for a couple of years and it seems like you really have made progress. Maybe not as fast as you like (progress always looks slow when you are in the thick of things) but forward progress while holding together a very busy life. I wish you and your family a very happy new year!

  5. You are doing great - progress is never one easy straight line. There are always bumps & dips in the road. Keep it up & you WILL get there. Wishing you & your family a fabulous 2013!

  6. all the best for 2013, you really have come a long way from when you first started - keep plugging away at it!

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