Saturday, January 1, 2022

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


32 comments:

  1. I’m coming along for the ride, sounds like a wild time!

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    1. Oh it will be, I already realized I am behind as I screwed up my thinking. Have you ever done that?!!!!

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  2. I take it your customers pay in cash. I never see cash unless I take it out if the bank so your method wouldn't work, but I like the idea of the challenge. Best wishes for all your goals but if Sluggy calls you for fun, better consider it.

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    1. SHe, already has the dog, can't allow me even one day to dream of paying off this house. I already screwed up and it is only the 3rd. Isn't this fun?

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  3. You will NOT screw up! I will personally kick your butt! HA!!! My two financial goals are to move without adding debt and to get my overall debt below $25K. It is that simple.

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  4. You have great goals! Like Sam, I never have cash. In fact, I'm constantly looking for cash, as I have the teens who often need money to buy food, give another parent money for an outing, & the like. I hoard any cash I come across for that purpose! :-)

    But, you are going to do great.

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    1. Yes, most pay in cash but some checks, I do not take credit cards.

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  5. Lots of goals and plans there, but I know you will meet each one. Me, well still working on a few ideas which will hopefully take form over the next few days.

    Happy New Year.

    God bless.

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  6. The world awaits us(soon)and it's our oyster. Panama? Iceland and Scandinavia? The Baltic capitals? Choose your poison...lol

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    1. Ooh you are so mean, but Iceland sounds wonderful.

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  7. Hi, I'm River and came over via Val The Victorian. my ONE single financial goal this year is to stop sending good money after bad and buy a lot LESS lottery tickets.

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    1. I know you have been told this before, but you might as well give the person in front of you .50 and keep .50 and you will be ahead when it comes to lottery tickets. Glad you are here and we can get straightened out together.

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  8. Hi Kim,
    I really don't have any financial goals except saving as much as we can which sadly, at 51 is a new concept for me. We live on a fixed income so its hard to save alot

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    1. It is hard to save, but you just cut back, and find ways to earn a few bucks. Sell stuff you don't need.

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  9. My financial goals are the same. Spend as little as I can and save as much as I can;.

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    1. You make that sound so easy Lori. NOw tell me your secret.

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  10. It is exciting to think what may come - and a little scary. Your goals are great, but sound WAY to confusing to me. I spend very little and only what necessary - then the rest goes in the bank for whatever may happen. I keep it simple.!!!! LOL
    I will come along for the ride and look forward to it.

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    1. YOu are always Cheryl, as I am totally confused and have now figured out I am behind. Damn.....

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  11. The one big financial goal we have is to build up our emergency fund. It took a big hit when we had to replace our pump and a well part right before Christmas. So this year we will be working to replace that money as well as add more. Our next financial biggie will be our son's wedding in August.

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    1. It is always something isn't it? Our deaths really spiked us at the end of the year, but I will work hard and fix this.

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  12. I'll be cheering you on from the sidelines Kim! For the first year I'm not setting any goals this year, just going to relax and unwind.

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    1. Good for you Jan. I think I kind of did that last year.

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  13. Hello! Happy and Blessed New Year! I love reading your goals. You are seriously amazing. I am trying for a no spend January. And I will try to use up the food we have instead of buying more! Have a wonderful afternoon, my friend.

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    1. Me too! But I am already behind as I made a mistake in my calculations. dang!

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  14. Great goals! I wish you well, Celie

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  16. Okay how are you saving $5 bills for mortgage AND vacation? Are you splitting them 50/50?

    We are paying extra on the mortgage also from what we can save from IRAs and SSs. I even lowered the amounts coming out of the IRAs.

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  17. No I am taking all 5's to the bank on Monday's and then saving the $1,$5,$10,$20 at home in envelopes. Sorry for the confusion as I myself am confused.

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  18. My work on paying less and eliminating a monthly bill is trying to find someone I can PAY to help me clean out and organize my storage unit so I can downsize storage units and owe less each month. NO, is cannot get rid of the storage unit right now. Just moving to a smaller unit if the first goal.

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