November Goals!

iVillage Member
Registered: 09-29-2012
November Goals!
24
Sun, 10-28-2012 - 7:09pm

I know, I know. We all have Halloween to get through first. And, some of us are hunkering down for Hurricane Sandy. Crazy looking storm, isn't it?

It's almost November! How did your October go? Share how you did and what you're planning!

Didi

iVillage Member
Registered: 10-28-2009
Mon, 10-29-2012 - 8:13pm

I am in southern NH, Sandy has been pounding away all day, heavy wind & rain......but nothing catastrophic- thank goodness! Hope everyone is doing alright. Iv kassie is in NYC, right?

My October Goals were:

* we have some planned maintenance - furnace, lawn care, fall plants, decorations, etc. I am estimating $400 for everything. ~Furnace maintenace has been scheduled, lawn care products are purchased, but not used yet. Stayed within the budget 

* pay extra towards my mortgage principle. I am hoping to knock 9-12 more months off my mortgage  ~I had a change in plans early in the month and had to switch into savings mode. I will stay in this mode for the forseeable future, obviously not a bad thing. My longterm plan is to apply what I save towards my mortgage, so hopefully the end result will be almost the same.

* again, hoping for some info so I can plan a trip! I need some time away! ~ still no info available!

* I have a few scattered days off from work, nothing much planned, hopefully I can keep it simple. ~ended up just relaxing, didn't spend anything out of the ordinary

***My November Goals are***

*Make a Christmas gift list -  people, gift ideas and dollar amount

*Continue to save for longterm plan

*Info for trip? Hopefully.....

Good luck to everyone and for those effected by Sandy - stay safe!

iVillage Member
Registered: 10-17-2010
Mon, 10-29-2012 - 6:43pm

Congratulations on the LOC getting to zero and making your overall goal number!

iVillage Member
Registered: 09-29-2012
Mon, 10-29-2012 - 6:24pm
Love FlyLady, especially for things like that. You can do it, Serenity! Any little bit is something :).
Community Leader
Registered: 08-25-2006
Mon, 10-29-2012 - 4:58pm

November goals?  Just keep plugging away at finances, homework and life. 

My SO hates the holiday season, so every November and December brings on a new challenge every year. 

I really need to purge out in the garage, and a little bit in the house, but I get overwhelmed and don't do anything.  My SO has figured out not to throw anything away, and is careful about moving my stuff.  But I don't blame him for getting tired of looking at my "piles" sometimes.  Bless his heart, he knows what brings me anxiety and really tries to be patient. 

Need to get back on FlyLady.  There it is!  My November goal. 

Serenity

Serenity
iVillage Member
Registered: 07-24-2001
Mon, 10-29-2012 - 4:56pm

For me the big November goal all along has been to pay off the last of my Phase 1 Debt Repayment Plan, and we are on track to do that.  The LOC of this week is finally at a ZERO balance.  But the third week of Novemeber I will have also paid off the cc transfer balance that I moved to zero interest card this time last year.

So that will complete my goal to pay off $31,707.94 that I set last Oct!  Yay!!!

My original plan beyond that was to take the end of Nov and the month of Dec off from any financial goals and regroup for my Phase 2 Debt Repayment early in Jan (Phase 2 is to pay off my dd's student loans).

Buttttttttttt . . . .

I just bought a sailboat (for $3500) AND I'm starting a business!!  What the heck, right?! 

I won't bore you with all the details, but suffice to say the sailboat was a really, really (really) good deal and I have until next spring to pay if off interest free.  It's the boat that I had originally planned to buy at the end of NEXT year (not this year)  . . . but it was such a great deal and located just an hour away from me.  Anyway, so I have another boat.

AND, I've decided to start a catering business with a friend.  We were approached by a local funeral home to become their inhouse catering company.  Anyway, the plan is to cash flow this business and grow it slowly.  Hopefully it will work.  If it doesn't I will not be in any sort of financial hole from trying. 

So that's my Nov & Dec plan.  At the end of the year, I'll need to make sure I've hit all of Dh's and my retirement goals, and only then start planning for Phase 2.

iVillage Member
Registered: 07-24-2001
Mon, 10-29-2012 - 4:56pm

For me the big November goal all along has been to pay off the last of my Phase 1 Debt Repayment Plan, and we are on track to do that.  The LOC of this week is finally at a ZERO balance.  But the third week of Novemeber I will have also paid off the cc transfer balance that I moved to zero interest card this time last year.

So that will complete my goal to pay off $31,707.94 that I set last Oct!  Yay!!!

My original plan beyond that was to take the end of Nov and the month of Dec off from any financial goals and regroup for my Phase 2 Debt Repayment early in Jan (Phase 2 is to pay off my dd's student loans).

Buttttttttttt . . . .

I just bought a sailboat (for $3500) AND I'm starting a business!!  What the heck, right?! 

I won't bore you with all the details, but suffice to say the sailboat was a really, really (really) good deal and I have until next spring to pay if off interest free.  It's the boat that I had originally planned to buy at the end of NEXT year (not this year)  . . . but it was such a great deal and located just an hour away from me.  Anyway, so I have another boat.

AND, I've decided to start a catering business with a friend.  We were approached by a local funeral home to become their inhouse catering company.  Anyway, the plan is to cash flow this business and grow it slowly.  Hopefully it will work.  If it doesn't I will not be in any sort of financial hole from trying. 

So that's my Nov & Dec plan.  At the end of the year, I'll need to make sure I've hit all of Dh's and my retirement goals, and only then start planning for Phase 2.

Community Leader
Registered: 08-25-2006
Mon, 10-29-2012 - 4:50pm

Hi K,

I feel for you.  I am far from perfect, obviously, or I wouldn't be here to begin with. 

I don't blame you for just saying "here, you figure it out."  Although I am not a compulsive spender, I can totally understand "charge it now, pay it back when all of my friends reimburse me."   Makes perfect sense to me!

Throwing your hands in the air all together may not be the answer, but I do agree that some accountability on your DH's end may help. 

Since me and SO are not married and keep everything separate, I have had to let go of a few things.  Sure, I could be anal and say "I have to have exactly $812.10 every month, but I have found that, that kind of thinking often ends up biting me in the butt later on.  I have NOT done that, and he has actually given me more than he normally would the last few months. 

I know the details are different, but I just throw it out there as perspective.  Sometimes we have to figure out what is worth standing firm on, and what is best to let go of. 

It is a slow process, so don't give up!

 

Serenity
iVillage Member
Registered: 07-24-2001
Mon, 10-29-2012 - 4:22pm

((Oh honey))

I know from experience how frustrating this can be.  Some people just jump on board much slower than others.  He'll get there I'm sure.  The VERY first week Dh and I implemented a new grocery budget, DH "splurged" (his word) on some high end groceries that put us over budget.  I couldn't believe it!  But he changed once he started actually seeing the progress we started making.  You're Dh will get there too!

iVillage Member
Registered: 10-17-2010
Mon, 10-29-2012 - 1:17pm

I am frustrated.  I just needed a place to kind of explode over it so when we talk about money later I don't lose it at him.  I honestly don't know if it's the deployment or not.  He's a spender by nature and he can do ok with keeping it in check but this past year has been killer.  

I'm just going to cool my heels for November and let him call the shots on this one.

iVillage Member
Registered: 12-31-2010
Mon, 10-29-2012 - 10:34am

Thanks for starting the November goals.  I hope iVillage boards will be back to normal soon, I miss them and didn't realize what a cathartic release they were for me.

So in October I wanted to clean out our office/Florida room and get new carpet - this is the same office I have talked about cleaning the last year.  We made more headway and I am ordering carpet for next week.  Cost will only be $350 installed and they do the tear up.  Goal is to have new carper and a new room using old furniture from our basement (that was from my old house before I moved in with DH) by Thanksgiving.  I think I need my daughter and her BF to help as well!

Pay of surgeon from my gallbladder - we had some crazy $3000 deductible, so the surgeon bill was high, paid that off today, still owe the hospital $1200, but it is coming down by $200 a month with no interest.

DH bought a new truck - now before you say anything, he got a new 2012 4wd truck, sticker was $34k, he got over $8k in rebates, and his old truck is selling for $13k - so basically a brand new truck for $13k.  We financed the entire thing ($27k) and payments at 0.9% interest are $489 a month.  We are keeping the $13k from the sale of the old truck in our emergency fund, using it if we have a tough month for a payment or his DS's college tuition, but I have next term in our emergency fund.  Now I am not saving the tuition I had been at $500 a month, as the truck sale money is sitting there instead.  I think this was a good deal and even though it is new, and we have a payment, it is not bad at all for DH to have a very reliable new truck for $13k.

Last goal for November, finish refinancing the house.  Could be an issue not that DH got the truck, but his debt ratio is under 25% and credit score is good, so it should not be an issue.

Budgeted November and with my new pay I cannot even project December as I am up and down. Things look good, but I never know until about 30 days out what will hit and what won't, thank gosh DH's pay is level. I have a boatload of emergency money sitting and hope to get everything together.

Hope all are doing well,

-Marie

#Marie