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

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iVillage Member
Registered: 09-29-2012
Mon, 10-29-2012 - 6:50am

I tried to bump the October goals thread, but it didn't work for some reason :).

Ok. Here were my October goals:

  • Pay $750 towards property taxes. Did not do. Not a penny.
  • Pay a medical bill I just received (about $250). Paid this and I don't have any other medical bills right now.
  • Pay all other bills on time. Done.
  • $300 into savings. YES!!
  • No additional debt. ARGH...Well, I'd probably be OK here; but, with the storm I wanted to be sure to be stocked up so I did put about $70 on a CC. I didn't know if I'd make it to payday (which is tomorrow). There is a very good chance they're going to pay us today because of the storm coming. Otherwise, it's direct deposit and that could be problematic.

Looking ahead to November:
Pay 2100 towards property taxes
Get debt total down to $17,000 (this will be tough, but I'm expecting a sizable reimbursement check)
Pay off my two smallest cards (one of which I just put the $70 on...)

Hope folks can post soon. It's kind of quiet on here lately!
Didi
iVillage Member
Registered: 10-17-2010
Mon, 10-29-2012 - 8:39am

Sandy hasn't been too bad to us here in SE VA.  There's some flooding at the coastal areas and a lot of wind, but no power outtages or really big problems like that.  It was more the size of the storm I think than the strength of it that generated chatter.

 October Goals
1) Pay off at least two cards.  Two of our cards are well within reach of payoff.  If I'm particularly careful with bills and spending, we can manage this with no problem.
~ I don't even want to talk about this one I am so angry and disappointed over it (please pardon my all caps but I think it wil convey my thoughts).  DH AND I TALKED ABOUT THIS AND AGREED TO IT.  We paid off the first card with the paycheck on the first, a week later he tells me that he ordered a bunch of NFL jerseys for people he works with and he put it on the card.  I almost blew up, he told me they gave him the money and that he would be ok on spending for awhile and we could pay it off.  We pay the second one off on the 15th.  I go to check this morning and he's put a bunch of money back on it with spending in-port.  That's on top of spending all of his spending money (about $600).  So we got absolutely nowhere.
 

2) Get ready for Halloween.  DD wants to be a mermaid so I'm going to grab her costume and I also need to get some cheap Halloween candy together as well as decorate the outside of the apartment.
~ We're going to a friend's house for trick or treating and DD wants to be a princess (which she already has several dresses).  I've bought some leaf chains and pumpkins for the house :) :smileyhappy:

3) Start purchasing DH's Christmas presents to have ready to send next month.
~ Haven't begun this yet.  I have the list and I'm putting together the expenses now.

November Goals
1) Continue keeping a reign on grocery spending.  It's improving, but still needs some work so I'll concentrate on getting sales and circular skills :)

2) Pull money for Christmas and start buying presents/decorations.  I'm not buying a huge amount but enough to give us something to get excited about.

I'm not even trying anything debt related.  Everytime we do, DH sees it as having free spending money and that has got to stop.  At this point any and all money decisions will be made by him and I'll just enter the numbers.  If spending is that important to him then he needs to learn on his own that it shouldn't be.  Maybe when he gets home from deployment and we still have a mountain of debt and no savings he'll figure it out, it kills me to do it but this can't be one sided.  He says he wants to but I can tell he's not ready for it.  So actually:

3) Letting go of debt repayment and focus so maybe DH can learn a thing or two.

iVillage Member
Registered: 10-17-2010
Mon, 10-29-2012 - 8:39am

Sandy hasn't been too bad to us here in SE VA.  There's some flooding at the coastal areas and a lot of wind, but no power outtages or really big problems like that.  It was more the size of the storm I think than the strength of it that generated chatter.

 October Goals
1) Pay off at least two cards.  Two of our cards are well within reach of payoff.  If I'm particularly careful with bills and spending, we can manage this with no problem.
~ I don't even want to talk about this one I am so angry and disappointed over it (please pardon my all caps but I think it wil convey my thoughts).  DH AND I TALKED ABOUT THIS AND AGREED TO IT.  We paid off the first card with the paycheck on the first, a week later he tells me that he ordered a bunch of NFL jerseys for people he works with and he put it on the card.  I almost blew up, he told me they gave him the money and that he would be ok on spending for awhile and we could pay it off.  We pay the second one off on the 15th.  I go to check this morning and he's put a bunch of money back on it with spending in-port.  That's on top of spending all of his spending money (about $600).  So we got absolutely nowhere.
 

2) Get ready for Halloween.  DD wants to be a mermaid so I'm going to grab her costume and I also need to get some cheap Halloween candy together as well as decorate the outside of the apartment.
~ We're going to a friend's house for trick or treating and DD wants to be a princess (which she already has several dresses).  I've bought some leaf chains and pumpkins for the house :) :smileyhappy:

3) Start purchasing DH's Christmas presents to have ready to send next month.
~ Haven't begun this yet.  I have the list and I'm putting together the expenses now.

November Goals
1) Continue keeping a reign on grocery spending.  It's improving, but still needs some work so I'll concentrate on getting sales and circular skills :)

2) Pull money for Christmas and start buying presents/decorations.  I'm not buying a huge amount but enough to give us something to get excited about.

I'm not even trying anything debt related.  Everytime we do, DH sees it as having free spending money and that has got to stop.  At this point any and all money decisions will be made by him and I'll just enter the numbers.  If spending is that important to him then he needs to learn on his own that it shouldn't be.  Maybe when he gets home from deployment and we still have a mountain of debt and no savings he'll figure it out, it kills me to do it but this can't be one sided.  He says he wants to but I can tell he's not ready for it.  So actually:

3) Letting go of debt repayment and focus so maybe DH can learn a thing or two.

iVillage Member
Registered: 09-29-2012
Mon, 10-29-2012 - 9:39am
Oh, gosh, I'm sorry. I can just hear your frustration. I wonder if your DH feels pretty powerless being deployed and the shopping gets him through. What might you work on? A savings goal, maybe? Do you have any debt in your own name that you have full control over? This seems to be one of those things we ladies struggle with a lot. IMO, men often see success as what they can buy/what they own. Is that just me? Best, Didi
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
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: 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!

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 - 4:56pm

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.

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