Tag Archives: debt elimination

The New Year and Resolutions

Every time a new year rolls around things look fresh and new, and it seems like a great time to make some resolutions, to set some goals!  I’ve spent several days now thinking about the year ahead of me, and what goals I should set for myself.  The more that I thought about it, the more I realized that every day I am already working on things, trying to improve things, that would be my resolutions.  Instead of setting goals I’d like to accomplish for the year, I just need to keep doing what I’m doing now, on a day-to-day basis.

Financially:  I’ve been working consistently to put more money in my savings account.  I’ve also increased my 401K contributions so that I am contributing the maximum amount and have also been paying extra each month toward my vehicle.  It will be paid in full by this summer.  I’m accomplishing this by tracking my spending closely, trying to only purchase things that I need, although an occasional want does creep in there, and getting the best buy (both in quality and price) on anything that I purchase.

By increasing payments on my vehicle by just a small amount at a time, setting up automatic payments from my checking account into my savings account (and both accounts earn interest), and increasing my 401K contributions a small amount every couple of months,  this has made it easier to do.  By doing this I am hoping  to be debt free, and have a comfortable amount of money set aside in my savings and for retirement.  (Next I need to tackle the school loans!!)

I cook from scratch, I only shop sales, I use coupons, and I try to use leftovers!  I also try to not waste things and reuse, reinvent and recycle what I can. Of course there is always room for improvement here!

Personally: I constantly watch my weight (go up and down these days) and try to eat healthy.  The new year won’t be changing this.  But it could give me a little more of a push.  Staying healthy is important to me.  Improving my eating habits and getting exercise makes me feel better, gives me the energy to do the things that I like to do, and will in the long run, improve my quality of life.

I also constantly strive to be a better person.  I try to treat others, the way that I would like to be treated. Every day I try to be a better mother, friend, wife, co-worker.  With God’s help, I know that I’ll get there.

I also try to learn something new every day.  I have found that trying new things and learning to do things for myself has made me more self-sufficient in many ways.

So I guess that my resolution for this new year is to continue doing what I am doing now.  And to strive to improve what I can, and accept the things that I can’t (I know there’s a saying out there like this, hehe).  I am looking forward to a year full of adventures as we put our house up for sale, perhaps move, and maybe changing career paths, (something I am lookin into. Iit all depends upon the house selling!)

I’ll be back sharing more with you about the house, how I am saving, and what I am doing to prepare for the possibility of a career change. And of course there will be more recipes!  I especially love to bake!

I hope that you have had a wonderful beginning to the New Year.  I look forward to hearing from you and I’d like to know your thoughts about what you hope to accomplish throughout the year, what you do to save.

Thanks for stopping by!  Cheryl