Wednesday, December 17, 2008

2009 goals..

anyone got any? yeah.. I know some of you have already posted your goals and even your budgets for the following year. I seriously don't have the energy or time for that right now and really who knows what is going to bring this year.. so instead I'm proposing a dare for myself.. ut oh another challenge where I'm gonna last ooooh 3 days. Probably.

Well basically now that I've learned how to live on what unemployment pay is for 9 months including my husband getting laid off.. I'm thinking of staying with that frame of spending. 2008 has been a kick butt year for me to learn a ton about myself and really even though I've spent on things I probably shouldn't have in the end I'm pretty dang proud of how well I've done. We paid off our debt in 6 months, $30,000 in 6 months.. I still can't even believe that happened.

Ok so I'm thinking that my goal for next year should be to live off of my husband's paycheck and only 1 of my paychecks per month. I get paid on the first and last day of the month so I could actually use my checks to pay bills and my husbands for the goal/challenge...?? hmm or I could take half from each check and throw that into savings. Either way, we'd still be living the way we do now with stocked shelves full of food, toiletries, cat/dog food/items, and really all I would have to do for awhile would be to buy fresh veggies, fresh dairy, and meat. We've done it for 9 months why can't this continue?

9 comments:

Jennifer said...

I haven't even thought about 2009 yet!! If you lived like that for 9 months, I say go for it & continue to live that way!!!! How's the job going? Did you start yesterday?

Heather said...

Go you! You can do it!!! How's the back to work going?

poorteacher said...

Wow, I can't believe you paid off that amount of money in such a short time, you're amazing!

Queen of the Urban Jungle said...

you absolutely can do it!! you already know how to live on it, why change??

frugalsuz said...

I think that's a great idea! I would just suggest writing down your budget, so you aren't tempted by all that extra money each month. Make a plan for it and stick to it.

Joules said...

Direct Deposit helps a lot if they let you do that thru work. Set it up to two different accounts - automatically put money in savings - then you have to move it OUT to pay bills.
Makes ya think about spending it...

Chicagolandia said...

Wow - I'm impressed that anyone can plan that far ahead. My goal is simpler - reduce my current spending by 15-20% on all consumables. Much more wiggle room that way! The Jill CAtaldo radio spot is on 97.9, WLUP with Jonathan Brandemeier. If you miss that (I think it's on Tuesday morning), her website has all of the deals broken down, jillcataldo.com.

Chicagolandia said...

Wow - I'm impressed that anyone can plan that far ahead. My goal is simpler - reduce my current spending by 15-20% on all consumables. Much more wiggle room that way! The Jill CAtaldo radio spot is on 97.9, WLUP with Jonathan Brandemeier. If you miss that (I think it's on Tuesday morning), her website has all of the deals broken down, jillcataldo.com.

Precious said...

I have all of my 2009 Budgeting done and will be sharing it in bits and pieces on my blog. I already have my 2009 Grocery Budget plan out there.

I think it is terrific that you are planning. Millionaires budget for every dollar spent every year and plan their goals for 5- 10 years ahead. They run their personal budgets like a company would run theirs! You are on your way!