February 2013 Goals

iVillage Member
Registered: 10-28-2009
February 2013 Goals
16
Tue, 01-29-2013 - 11:59am

hello all! This is a thread for everyone to participate in. Please share your goals with us, no matter how big or small, so we can cheer you on & offer support & encouragement!

How did January go for you? Did you set goals? Were there some surprises? Or pretty much what you expected?

What do you plan to accomplish during the month of February?

Good luck everyone!

 

 

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iVillage Member
Registered: 11-15-2011
Wed, 01-30-2013 - 12:20am

I am glad January is almost done.  I need it to be done..so.... blah.

February goals:

File my taxes ASAP...we will be getting a refund this year, and we need it.  (I still need a few things including something from Sharebuilder which doesn't have to go out before 2/15)

Commit one day per week to baking...it is a great way to make everyone want to eat at home, it is also good for making snacks for the kids' lunches.

Do not spend more than $25 at Kohls for the month.  Seriously.  I work there...we SHOP there.  We don't NEED to shop...at least not in February!

Spend two hours per week looking for a new job.  I want to improve our situation, and my minimum wage job isn't really helping that much.  I'm not down on myself, but I know I would feel even better about life if I could find a job that suits me.

Try to buy only what we will need for the month, grocery wise.  I do not need a stockpile...I need to trim the budget.  I am going to start by taking $80 for the week starting Friday...I have meat in the house, so this should be doable!

We have a bump in the road coming up...my daughter's meds have to be refilled this month...we will be putting it on a cc..to the tune of two thousandish dollars.  It sucks.  We will get it back from our HSA eventually, but we don't have that much in there yet.

Good luck, everyone!!!

iVillage Member
Registered: 07-27-2009
Tue, 01-29-2013 - 11:53pm
January 2013 Goals: 1) Purchase a new-to-me vehicle for cash. I have my eye on several different ones that I could easily purchase, but I want to pick my perfect vehicle (low mileage and good quality). Check. Found one I love and paid all cash for it :) 2) Finish up my RMA and RES designations so that I have the freedom to work anywhere in the state/country if I need to :) Ugh...Didn't pass my RMA exam and I have absolutely no idea what happened. I was very confident that I passed with flying colors. 3) Keep up with my newly created budget. Check, but it is very burdensome so I may reevaluate this. February 2013 Goals: 1) Start attacking the Student Loan debt. So excited about this. I have all of my CCs paid off now and all that is left is the student loans and the mortgage <3 I feel like I am progressing (though much slower than many others seem to be). 2) Reevaluate resume. I paid a friend of a friend $30 to critique it but was a little underwhelmed with the service. Time for google searches I guess...Anybody out there a master resume builder/critiquer???

JenAaron.jpg picture by jen2075


iVillage Member
Registered: 07-24-2001
Tue, 01-29-2013 - 7:20pm

We did reach our goals for Jan, but add me to the list of people feeling a little discouraged these days . . .

I already did my Feb budget and my only real goal was to put $2,000 toward the student loans.

But .. . . I just did my taxes and we owe $2,300, plus I really need to buy a new replacement wall oven and now, a hot water heater too, soon since this is the time of year to find good sales.  Plust I need $400 of dental work done  (not bad at all) and Dh needs about $1200 worth the dental done.  

So I may need to revise my plan.

1)  I can put my dental work off until I have the cash saved, but Dh really needs his work done now.  The dentist offers a 6% discount for cash up front, so I think I will dip into my e/f for that (I know even though it really isn't an emergency).  We will have the final answers on this by tomorrow.

2)  I'll be looking for the best possible sale prices on the appliances and see if I can get one of those credit without interest and make a payment plan to payoff asap.

3) I'll have to budget in March for the taxes owed (which means no additional flakes toward the student loan that month).

4) I'll have to reimburse the e/f (for the dental work) with some of my student loan monies from this month.

Really this isn't so bad.  None of this really is an emergency.  I mean it's stuff that you have to plan for, right?  Though the tax thing kind of sucks, because Dh's employer is sosososo bad at this sort of thing.  They should have withheld appropriately.  Never the less, it's money we owe, and I should just be glad that we have the resources to pay it.  I just wish I had a ton of extra cash stashed, and could cover everything without having to plan for every little detail of life, ya know?

iVillage Member
Registered: 12-31-2010
Tue, 01-29-2013 - 5:01pm

Jan Goals were:

Goal #1: Get bills paid this month, minimum on debts, as house insurance is due, as are cabin taxes. All paid.

Goal #2: Get house refinanced. Been dancing on this one since October, and we are now approved. We can complete this month, but our payment will increase as we are going from 21 to 15 years and including escrow we never did before for taxes and insurance. Taxes are paid until September, but see Goal #1 as house insurance bill needs to show as paid prior to refi.  Refi is closing on Thursday, 15 year at 2.99%  - lower than expected, NO closing costs.

Goal #3: Keep the budget tight. Use return bottles and holiday gifts money for groceries.  Did except for DH's b-day weekend and really did not spend much other than that.

Goal #4: Keep my educational trip costs to a minimum. It will be nice to walk around in warmer weather, and I do need this trip, but we need to keep the extra travel costs really low as DH is coming with me at my expense.  We did not spend much at all, good job for us!

Just feeling like year 5 of this debt repayment is the hardest yet. We have paid off over $100,000 of CCs, mortgage, cars, and my student loan, but there is still a bit of a mountain to climb.

February Goals:

  1. 1.  Pay off all smaller debts, and final part of hospital bill from last Spring's surgery.
  2. 2.  Get taxes in for us and DD, so we get refunds sooner than later.
  3. 3.  Clean out one attic (we have 3) and put kids toys we want to save up there from basement.
  4. 4.  Take one weekend off this month to go up north with DH. 
  5. 5.  Pass my last exam I need for a while (always continuing ed for me) but this one is important, and hard.

-Marie

#Marie
iVillage Member
Registered: 11-14-2008
Tue, 01-29-2013 - 2:50pm

Nice progress Dollar!!

Lets see how Jan went!

Jan 2013 Goals:

1. Put $500 extra on my roof loan. This is not guaranteed but I'm going to try.

I did do this. It felt good.

2. don't go overboard on groceries, try to use up what I have, make sure things don't get freezer burnt.

I have been going through the freezers and using things up. I don't think I have gone overboard in Jan.

3. Keep the bonspeil to a minimum for spending.

We did pretty good and had fun.

4. Try to go on a date night, my girl friend wants to babysitt!

We have not done this yet however....

Feb Goals:

1. Try not to dig into savings too badly this month. We have 3 birthdays to take care of, a bonspiel and a trip to Costco and Ikea coming up in the first two weeks of Feb. We have decided to use some savings for this as we will not be able to do all that on regular pay. 

2. Put $500 onto roof loan if possible.

3. Keep using the older freezer food first and learning new recipes and cooking here at home. So far since I have been off I have made perogies, home made bread and a cheese cake. I have never done those things before!

iVillage Member
Registered: 10-28-2009
Tue, 01-29-2013 - 12:20pm
  1. Geeesh, I had to dig deep to find the January goals thread......

 

My goals for january were:

* Begin my savings plan. Set aside money in each of the above mentioned categories until all are met. I don't think I will get them all done, it's a lot! ~~I saved in my vacation fund ($500), Christmas fund ($1000), and my home repair fund ($1500). I also set aside $2800 in my ROTH IRA. Every year, I have vacation time I cash in, so I put it to good use and bulk up my savings goals.

* Continue my healthy eating and exercising. I have lost 29 pounds so far and am so excited about this! I am still at it, and have lost an add'l 5.6 pounds in January.

My February Goals are:

*Continue to meet my savings goals. I should be able to complete my ROTH IRA 2013 contribution, an add'l $2700. After that goal has been met, I have a "bulk savings" account, something I created to ease my mind. My goal for 2013 is to save $15K.

* Continue on with my healthy eating and exercise. I want to add to my exercise routine and step out of my comfort zone - a little, lol! also, a mini goal when I reach 40 lbs lost, get a pedicure!

* Work on a list of home improvements and repairs that are needed for my house. To get started in the spring, most likely. Estimate cost of each & prioritize.

* I have two vacation days in February. Enjoy, but keep costs to a minimum. Someday I will use money from that vacation fund......someday.

Good luck everyone!

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