2012 Goals

I would like to be more put together this year.  The last couple years between saving for a wedding and trying to get out of debt I have let somethings slide.  I truly believe there can be a better balance.

1.  Get 2-3 great outfits – buy some accessories to dress up current clothes (Budget $500 – currently saving up $)

2.  Join the gym (I have been avoiding because it cost money which is ridiculous my well being should be higher on the priority list) and GO!  I have joined and I have been going

3.  Continue to pay down debt – I would like to pay down $10k in 2012

4.  Continue to build up Efund – Current sitting around $3400.  I would like to see it at $5k or more.

5.  Travel and pay cash for all travels – We have been doing this for the last couple years but I need to keep telling myself that is the only way you can go on vacation

January 2012 Debt Update

#1 – Paid Off

#2 – $4222

#3 – $2428

#4 – $8838

#5 – $10,774

#6 – Paid Off

Total:  $26,262 down $48 dollars from last month.

No excuses but my man had to use his card (#5) for a couple things this past month and some of his payments hadn’t hit yet so hopefully next month we will see a bigger gain.

Couple changes coming up – I did a balance transfer from #4 to #2.   The plan is still to pay off the current balance of #2 then move onto #5.   So the transfer will not effect the current plan just switch the balances around a bit.