So I was a little late in making my New Year's Resolution this year. But I finally did! This year and most likely next year the husband and I will be running a financial marathon. We used to be quite financially savy but one thing lead to another and now we are bloated, fat, and lazy. I REALLY hope we finish the race because I want a few things that would require a strong finish.
1. A two year transfer to Europe. I want some cash to enjoy it, and I WILL NOT put it on the dreaded credit cards.
2. We really do need a larger house. We are bursting here, I want to be able to put some money down and have it be a house that I LOVE and want to stay in for a long, long time.
3. I want to actually plan and save for vacations and take 1 large one every other year and a couple of small ones the other years.
4. Most importantly, I want a sizeable saving account so I can sleep soundly.
We are about 5 days into this so far so good. We know what to do, the biggest challenge is to lay off my impulsive spending. I don't buy large things, just a whole lot of little ones. Perhaps if I make Monday my financial blog day I will honor this commitment.
Here is blurp that I found on www.wife.org about cutting expenses: set alarm ten minutes earlier and pack own lunch (this doesn't work for me so much because I "work" at home, but works for the husband.)
Also for financial calculators try: bankrate.com