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Archive for December, 2009

Goals for 2010!!

December 24th, 2009 at 09:03 am

At the beginning of every year, my husband and I set goals individually and as a couple. For 2009, we decided to take on the following (I'm only mentioning our financial goals):

-pay off our last credit card ($6k)
-pay off half of the car note (total was $13k at the beg. of the year)

We (over)succeeded our financial goals by paying off the credit card and car note in its entirety this year!! We're still newlyweds (we got married in April), and our union is what really boosted our efforts. Prior to April, we were paying down our debt individually. Being able to combine our income and not seeking to buy additional items, property, etc... propelled us to completely pay off the car! And for wedding gifts, we used a honeymoon registry so that our family and friends could fund our trip. We still saved money for our honeymoon (just in case something wasn't covered). Once we got back from our trip, we were able to use the money we saved to pay off the credit card! 2009 has definitely been a great year!!

2010 will be less "Cinderella"-ish. Smile Our goal is to:
-pay off my hubby's student loan ($18k)...can someone say ouch?!?!
-and put a huge dent in my student loan ($36k) - we're shooting to pay off $13k.

This goal was made with the assumption that our income and expenses will stay the same next year. We know that, with life, things are subject to change, and we're willing to make adjustments to accomodate. I do know that, at this point, it's hard for us to decrease our expenses any further...I already have us living lean & mean. I am hoping for additional income, though - possibly a part-time job or two. Smile

What are your goals for 2010?

Cable: Should it stay or should it go?

December 2nd, 2009 at 09:57 am

I've been without cable for 2 years!! And I really don't think I've missed a beat. When I had it, I only watched the Disney channel (don't laugh), and I just couldn't justify paying $50/month for it. Dropping cable has literally given me a $600/year raise...a penny saved really is a penny earned!!

So, why not give it a try?? Guys are probably afraid to let go of their sports games. My husband and I watch bball & football games at our parents & friends' houses. We even splurge and literally go to a few games each year (still way cheaper than buying cable)!

Plus, without the distraction of TV, my husband and I have the luxury of engaging in quality conversation, exercising, working on projects, etc...

I really think cable has enhanced our lives and pockets. What's stopping you from dropping your provider today?