Goals 2022

     Let's just say I was pleased with the goals I set last year as I achieved them.  I paid off several small bills that were lurking. I learned so much from the blogs.  I took on a new attitude.

     This year I am going to concentrate on two main goals.

  • Pay off the sewer loan as quickly as possible. payment is $350.00 a month DONE APRIL 26TH
  • Pay off the loan for the studio CC by the end of September.

     This is over $20,000 I do however have $9,000 coming in from studio sale.  $3150.00 will come from the standard payment of the sewer loan.  So that means I have to come up with at least an extra $1000.00 a month out of our budget.  Can I do this?  You bet I can just watch me!

     There are other little smaller bills I am also working on that I hope to kick to the curb this year.  There is always medical, and repairs, and stupidity.


It is 2019 and I have to say I accomplished so much more than I thought I would.  I really became serious about debt payoff and worked a snowball into reducing our outgo of money by over $800.00 a month which was put toward debt.

Mom passed away in June allowing me to not have my loan to her which had a balance of 9500.00.  I also inherited enough money to pay off all remaining debts except the house.

 We purchased a new car much to my regret but it was a have to not a want.  I had to leave the clutch behind due to safety.  Thus we incurred a new debt.

But my financial goals this year are to pay off the house, which I am sure we can do.

Get my inheritance account back to at least 15,000.  $4500.00 from D#2 and at least $5000.00 from me.  Once the house is paid off I can really add to this.

Keep credit card purchases at a minimum and pay off asap.

2020 a new decade


fix up house
sell house
go on a 6 month mission for church COVID
travel a little or a lot COVID
maybe have another grandchild if god is willing WE had TWO
pay off car maybe?
try and cash flow repairs to house as much as possible.  


GOALS for 2021

pay off car Did it

pay off smaller debts from acquiring things for the new house did it

pay at least $25,000 toward house loan FAIL

complete saving challenges did it

get covid vaccine  Did it

go see my sissie and sluggy  Did it


2022 Financial Goals

1.Well my goal for this year is to pay at least $1000.00 extra a month on the mortgage loan

that means a 1250.00 a month payment. This is really going to change how we live and save.

2. I will continue to pay extra on truck payment

3. I will save a penny for each day of the year, so I can have over $600.00 for Christmas

4. I will save $300.00 a month in a separate account for the taxes

5. I will save all my spare change in the large red coca cola bank Nate gave me this will also help with Christmas

6. I will save all my $5 dollar bills for the week and take them down on Monday and add them to the mortgage pay off.

7. I will save a $1,$5,$10,$20 bill weekly this will be for vacation money if we even take one this year

8. I have about 1,100.00 in Christmas bills to pay off in Jan so I don't pay interest.

9. I will mark 52 envelopes with 1-100 and save money in two of them for the week and then  Once a month add them to the mortgage or to any project we might have going on.

10.  I will get at least $2000.00 in an emergency fund ASAP mine is way down due to house taxes.  He funerals were expensive and really cost me money.

11. any extra money from the shop after goals are complete will go on the mortgage

Personal goals

1. get 10,000 steps at least 5 days a week on my fit bit

2. take 100 walks this year.  Actually make a chart and mark them off

3. practice the piano at least 1/2 an hour 3 times a week make a chart and mark it off

4.  Practice gratitude every day