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2012 Financial Goals Progress Report # 4

I am borrowing this format from Laura at NoMoreSpending  to help me stay accountable to my 2012 goals.

1.   Pay off credit card debt this year.  Yep, it has got to go.  We have about $11,5000 in stupid credit card debt.  The Credit Card debt has been as low as 7,900.00 and as high as 13,000.00.  Today it is at $10,000.00

2.  Increase Emergency Savings from $1000.00 to $3000.00.  Right now our emergency fund carries about $1200.00, but by the end of the year we would like to increase that to $3000.00 for a little more piece of mind.  Emergency savings is at 2600.00.

3.  Building online income.   My work situation has changes totally I am now a fulltime care giver for my dad, and soon for my mom.  I will be able to (hopefully) find time during the day and night to learn more about HOW to successfully do that.     This is on the back burner for now.  I still eBay, but I also have two part time jobs. 

4.  Christmas 2012.   I again will be working my $500 Holiday Challenge.  I was able to stay pretty close to the spending/ shopping budget this year, so I am pretty happy about that.   Acquiring gifts all year round at deep savings really helped the bottom line. I did get a few things in February, but still not up to speed or where I should be.

5.  Have more fun!  Life is short and I know that saving money, budgeting, and being frugal is important.  But....   having fun and enjoying life is just as important!   Living in Central Florida provides many opportunities to visit theme parks and be a kid again.  We have not yet decided which park we are going to get a year long pass for, but I am leaning towards SeaWorld. And next year.... Disney World.  I will be getting passes for me, my husband and my grandson.  Money well spent.  It is getting cooler now, so we can start using our SeaWorld passes again. 

6.  Plan a Trip out West.  We want to go to San Francisco, visit Alcatraz ( I find that place to be very fascinating), Cross the Golden Gate Bridge, to name a few.  It may not happen this year, but it will happen.  I plan to save at leat $4000.00 dollars towards this goal.  Probably no big trips this year. :(

7.  Roth IRA..... hello....  you remember me, don't you?  My retirement planning has taken a BACK seat lately.  Time to get all that back under control.  I have a 401k with a previous employer that I need to do something with..... and I do recall a Roth IRA too.  I am a huge slacker when it comes to this stuff.  Help please.  Fail.  There is the rest of February to get it changed. Lets see what I can get done in March.  Maybe April will be better.   Still not much progress here either. 

11.  Get our wills done.   Enough said. Nope, not yet.

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C.R.P said...

Still have plenty of time! You're making progress at least!! :)

Lisa Richardson said...

Yes, progress is being made. :)

kim said...

You will get there, just keep plugging, set small goals.

Lena Shannon said...

This year was not an easy one for you! But you are on the right path, keep moving forward!

Lisa Richardson said...

Thanks Kim. I am taking it day by day!

jpkittie said...

Lots of goals - work it!!!! you will get it done!!!

Jen @ Master the Art of Saving said...

I haven't actually looked at my 2012 goals in months, that's not good. I guess I should take a peek and make sure I'm not too far off course.

You've almost finished your emergency fund one (awesome) and you've paid off a lot of debt (always great). Good luck completing the ones you're still working on. :-)

nomorespending said...

Doing great and there's still 4 months to go :)

Lisa Richardson said...

Thanks Laura!

Lisa Richardson said...

Hi Jen,
It took me a while to get back on track, but I am glad it is working out for us.

Lisa Richardson said...

Thanks JP! One day at a time and we will do our best!

Lisa Richardson said...

Hi Lena, You are right... this year was definitely a humdinger!