Monday, January 1, 2018

Monday, 2018 here we come!


  

   This is it folks, this is the year, I am going to do the impossible. I'm motivated, inspired, excited and scared to death.  But let's see if I can accomplish these two things.

  • Pay off the sewer loan ASAP
  • Pay off the studio loan by the end of September

These are my two main goals in the financial department.



Now how am I going to accomplish this?  Well by setting smaller goals and trimming the fat from the old budget. ( a little from myself would also be nice)

Financial Goals for the month of January
  • Only buy the groceries I need and not stock up on anything.  I will buy fresh veggies, fruit,and dairy.  Everything else will be made at home.
  • I will have as many no spend days as I can this month.
  • Use cash instead of checks and the cc, as I spend less and I can save the change in my pig bank for next Christmas
  • Try to mark off as many box's  on my save $1000.00 paper.  When it is full put it on the sewer loan (You can download this from the Blog Medium sized family) 

     I love to shop and I feel that I need to take mom out every day for exercise.  I love a bargain and it is a nice way to plan ahead for Christmas, but this month I will not do that.  It is going to be hard.  One day at a time.  ( I could get mom to spend her money:))


Monday money saving madness:

1. Purchased 7 rolls of Christmas paper 75% off for next year
2. Used Joanns coupons to purchase things for shop and project
3. cooked all meals at home
4. said no to myself several times about buying after Christmas things I did not need!
5. planned ahead to set goals to cut back on spending ( without a plan you fail)
6. continued to work on my wax wraps so see what works and what doesn't.  I will unveil these soon when I figure out how to use this new phone....
7.Getting sick again along with Hub's saved money as we did not go any where and our prescriptions were paid for by insurance.
8. redid cell phone contract to eliminate insurance and also mom's phone lowering bill by $30.00
9.Insisted that daughter get her own car insurance now that she is 25 and her rates will be better lowering insurance by  $50.00.
10.Did all my usual things to prevent waste, reusing containers, feeding scraps to chickens,coupons where useful.

 
So onto a great year, of achieving things that I never thought were possible.

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

Kim



33 comments:

  1. "achieving things that I never thought were possible" ... I LOVE this! Let's do this together!

    Sarah

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  2. You rock! May you have a wildly successful January, Kim!

    ReplyDelete
    Replies
    1. Why thank you April. I see you made it through the performance season. Hub's received a new cello book for Christmas so I expect to hear a lot more of that.

      Delete
  3. When there is a will, there is a way. Looking forward to cheering you on as you meet your goals!

    ReplyDelete
    Replies
    1. Thank you I will need so much cheering on I am sure.

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  4. You are so focused on your goals. I'm going to keep reading this blog so I am inspired to not spend anything this month, except for the 31st--it's the Redneck's birthday, and I want to do something special (and frugal!) for him. I have a couple of goals I want to meet, and I think I can do it a lot better by watching you meet yours. GO TEAM!

    ReplyDelete
    Replies
    1. Next month is expensive for me, with three birthdays, and my Aunts tax stipend due so I have to be good this month. We can have a contest and confess our sins. ( I am sure to have a few....)

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  5. This comment has been removed by the author.

    ReplyDelete
  6. You have some excellent goals for the year, a good plan for January, and you've done a great job saving money. I'm proud of you.

    You were so very kind to respond to my post about my top posts for 2017 at Harvest Lane Cottage. I'm so glad to visit your blog again.

    God bless you and may He make your path straight to financial freedom. May He give you ideas to both make money and save money. I pray it in Jesus' Name. Amen.

    Hugs to you!
    Laura of Harvest Lane Cottage

    P.S. I just had to correct a sentence that I'd written in my previous comment, so I deleted it. No worries.

    ReplyDelete
    Replies
    1. You are welcome my dear. I use prayer to have the Lord help me to be satisfied with what I have. To help me look around for things that I can get done rather than looking for ways to be entertained that cost money. I ask him to help me develop better habits and he has, but I am a rather slow project.

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  7. Very practical goals! I'm keeping mine very simple for the year. I have monthly goals, but those are private. I may share them, but for now, I will focus on the big overall goals.

    ReplyDelete
    Replies
    1. Yes when I have too many goals, I get overwhelmed and fail. Just concentrate on one large things and then let the smaller follow.

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  8. I am at the point in life to get rid of things rather than accumulate so stuff is going out and will not be replaced. I am not a huge fan of shopping anyway so that should be easy to eliminate.
    This year I am going to try to take Mom to free local events at least 2 times a month. There are many interesting things and we never do them so I thought it might be a nice Mother/Daughter thing

    ReplyDelete
    Replies
    1. It does get that way doesn't it? Too much stuff. You are lucky your mom is still able to go. Mine is getting to the point that it is almost impossible. She can still sass however.

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  9. Through your blog, I’ve watcehd you make so much progress- you can accomplish these goals, I’m sure if it!
    Happy 2018 to you and your family

    ReplyDelete
    Replies
    1. Why thank you dear. You are part of my ability to get there!

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  10. Basically you are going to maintain your already GREAT habits!! I try to grocery shop with a list each time so I only buy what I need. I can't believe how much that reduces my grocery bill. I bet you've got enough in your pantry (minus the fresh stuff you mentioned) to last you the next 6 months!

    ReplyDelete
    Replies
    1. At least Jane. In staples I know I have enough for a year. Meat maybe not.

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