Debt
- Pay of Medical Bills from surgery- currently $277.06 for lab and $226.96 10/1 Dr Guerreri $530.96 will pay minimum right now because thats all we can afford...
- Keep paying Adams Big Loan--extra payments once small loan is gone-- no extra this month due to other expenses. Currently at 32,169.55
Save
- Continue to contribute the max to my Roth $5000-- 2010 roth-currently at 4,411.00 added $416
- Start a new carpet fund-- started with $10--on hold :)
- Start saving for baby stuff that we dont get at the shower--no savings right now, just trying to pay bills
Frugal- No More than $200/mo on groceries--spent $207 will continue with monthly meals, its hard to get to the grocery store together more than once a month!
- Free/Cheap stockups at drugstores- I got some stockups on diapers,wipes and cleaning stuff
Home
- Paint upstairs bathroom orange-- bought paint 1/10
- Put in new toilet and plumbing downstairs done 5/10
- Get window treatments for bedrooms done 5/10
- Put in new toilet upstairs done 5/10
- Get closet doors
- Install toilet and sink done 5/10
- Paint downstairs bathroom-- bought paint 1/10
- Install bathroom floor--floor boards are down! 3/10 installed 8/10!
- Paint computer room
- Install Floor in computer room
- Paint Guest Bedroom--Base Coat and Closet are painted! 2/10
- Buy carpet for guest bedroom--done 8/10
- Buy floor for downstairs bathroom--bought 4/10
- Redo electrical box- done 3/10
- Get all downstairs plumbing done--done 3/10
- Get Drywall done in downstairs bathroom-- done! 3/10
- Put downstairs bathroom floor in done 5/10!
- Paint Bathroom done 5/10!
- Buy bathroom sink- done 4/10
- Install dryer--done 9/10!
- Install cabinet in bathroom--done 9/10
- Install countertop in bathroom
- Buy upstairs carpet for guest room--done 8/10
- Paint upstairs guestroom--done 7/10
- Carpet Living and Dining rooms
- Take a trip to IKEA to furnish guest room before babies come--done 9/10
- Drywall Office
- Paint office
- Floor in office
- Put shelves up in blue room done 10/10 and babies room
- Set up babies room with cribs done 10/10 and gliders and decorate
- Get chimneys inspected done 11/10
- Get a new boiler done 11/10
- Get babies dresser organized and sheets on the cribs
Organize Accounts
- Pay off Credit Card biweekly--paid!
Budget
$200 mo groceries spent about 276
$280 mo gas $172/mo--got a new boiler and new gas company, wonder if it will make a difference
$600 year auto repair 87 oil change, 400 insurance
$50 mo electricity --$33
$50 mo clothing--none!
$100 fast food/dining--$200---went out every wednesday for broomball and to melt with elise...
$40 Water quarterly--1/10 $31.41 8/10- $82.00
Added Goals
- pay one fund at a time and get to the goal of the emergency fund $5000 first DONE!
- Keep paying Adams Big Loan--extra payments once small loan is gone--started this!
- Save $40 in HSA fund-I will be put on hold until medical bill is gone
- Get all funds done then make emergency fund 6 month savings
- Get bank account to $10000 pay off medical bills and then pay off adams small loan---kinda switched this. 1/3 to medical/boiler/student loan
- Buy a boiler in August---or september... or october... or november...
Completed Goals
- Consider Refinancing our House---7/16 it will be final!! 4% 15 yrs! Plan to payoff in 12 yrs
- Redo downstairs plumbing ($1100)--paid 1/7 and 1/21
- Continue to contribute the max to my Roth $5000--Maxed 2/8
- Close Huntington and move money to northwest saving--2/10
- Pay $450 more for basement plumbing done! done 3/5
- Buy Cavs season tickets...make a fund next year!--bought 3/10
- Use Thank You rewards for Adams Loans-- used them! 5/10
- Opening a Schwab 2% Cash back card--will use all cash back for Adams loans 5/10
- Pay off Adams Small Loan by December--PAID OFF!!! 6/10
- Get Emergency Fund Back to $5000--5861.43!! 6/10
- Once we get the Schwab card, get rid of Citi---done with citi! 6/10
- Get Baby Fund to at least $5500(we have changed this goal to $10000 due to bedrest)- currently at $10002.00--GOAL MET!!! 9/10
- Start IKEA fund so we can go on a shopping spree haha ($1000 goal)- went on our shopping spree :) 9/10
- Look into different mutual funds for Roth...--done 9/10 will check back 12/10
- Start Boiler Fund and buy a boiler this year with tax credit Save $3000-- Got the boiler installed, about $6000
Goals not completed
- Pay off Adams Small Loan by March
- Talk with Wells Fargo, they want to refinance our home--ill wait til they call again, havent had time to meet with him
- Save at least $300 for Sean and Mandys wedding in Disney-We decided that its not a good idea to go due to my surgery costs :( We are sad about it.
- Opening a Chase checking because they are giving away $150
- Pay all medical bills etc with HSA Fund--used up all of our HSA :( once medical bill is paid we will continue to contribute
- Save $40 in HSA fund--will look into a new HSA next year and how to maximize...
- Start Cavs fund when our first fund reaches its goal and small loan is paid off--will not be doing this for 2011
- Move 401k from Principal to Fidelity in may 2010--still didnt do this--did you jeannie??
