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Archive for December, 2014

Goals for 2015

December 30th, 2014 at 10:04 am

Since everyone else is doing it Smile

According to my debt avalance worksheet, I will have paid off another $26,000 in credit card debt by December 2015. My biggest goal is to actually achieve that without setbacks. That is counting on a $2K tax refund, which there is a chance it could be more, but this is my first full year working my 2nd job, and so I am not sure yet how that will affect my tax return. If I still get a decent refund for 2014, I will adjust my withholdings for 2015.

If anyone saw my post about DH getting a company car, that is part of the next goal. We have decided to hold onto his pickup truck until June, and camp as much as we can during the spring (the time of year that we do most of our camping anyway). In June we will sell the truck, expecting approximately a $7000 profit, which will also go directly towards the credit cards.

That will reduce our total amount of CC debt by $33K, which would be incredible to achieve in one year!

I have been pretty successful at keeping our grocery budget at $400 a month in the last few months, and hope to keep that up as well.

I've also lost 18 pounds this year and want to keep it off!

Getting a bonus! And other financial stuff

December 26th, 2014 at 07:01 pm

So my mother in law works in HR and emailed me on Wednesday and said that they just processed a $600 bonus for me! My company doesn't give Christmas bonuses or anything like that, so the only thing I can think of is that my director finagled something for me getting my certification in October. It was put in as "on cal pay" and I am on call 24 hours a day and don't get any extra pay, so it's definitely not really on call pay. It will probably be $400 after taxes, so that will all go to my Discover card.

We are in NY this weekend visiting my family, so we will have some extra expenses. Just paid $32 to book a parking spot in Manhattan tomorrow for my dad's 65th birthday party, which is a lunch paid for by his girlfriend. We spent $50 on 2 pizzas today (yikes, NY prices!!) but this will feed us tomorrow night and possibly Sunday night as well. Have a family brunch Sunday that will be about $100 for my family of 4. Having some girlfriends over to our hotel Sunday night but that won't cost anything. We packed snacks for the drive today, and ate lunch when we got to my grandma's house, whereas we usually stop for a $35 lunch on the road.

Also on a good financial note, DH ordered his company car today! It will take 2-3 months to come in, most likely, but when it does, we think we will sell his pickup truck, giving us about a $7000 profit, to be put towards credit cards. We won't have any way to pull our popup camper then, but we are upside down on it, so have decided to just keep it for a while. I'd rather use that $7K to pay off higher interest credit card debt that to pay off the difference in what we owe on the camper. We can still have "campouts" in the backyard, and might be able to borrow my in-laws truck if we want to go camping with it a few times. We'll play that by ear.

Hope everyone had a great Christmas!