Goal #1 was Body Image

Finances have always been a challenge at Casa de Perfect.  We’re impulse buyers.  I haven’t used a check register since I worked at the bank 3+ years ago (seriously…I do not keep a register).  We live paycheck to paycheck and shouldn’t need to.  We have no savings to speak of and credit card debt – not as much as when we got married, but enough. 

So, once again…my Big Dreams, and the Baby Steps to them.

Big Dreams
1. Pay off our Credit Card debt.
2. Get a decent size savings account.
3. Start paying toward principal on our mortgage
4. Get a newer second car (and give away the Mazda as it was given to us)
5. Get a bigger house (con’t from #3 😉 ) – this is a big, faraway dream, like 2 years at least.

Baby Steps for January
1. Start keeping check register again
2. Continue tracking extra principal paid on truck
3. Track spending on a budget sheet
4. Live without debit cards – cash only
5. Using tracked spending as guide, set a budget for February
6. Get back to clipping coupons and making/following grocery list
7. Use debt tracker I found for excel (Loving it so far)
8. Gather all things needed to run taxes ASAP.

I have many many more dreams, big and little…but these are keynote for now.  The credit card debt, along with my weight, will all be tracked on another page here.  I’m working on setting it up now. 

Again, if you want to play along go ahead and steal the banner.  I’ll be doing weekly updates 😀

Tomorrow’s Goal – Personal/Family.

I believe tomorrow will be the last…unless I come up with something else in the mean time 😀