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Mine are very similar! I haven't tried the envelope system, but I am reading the Dave Ramsey books and starting the baby steps.
@Laylabelle: I've been reading Dave Ramsey too! Our only (!) debts right now are some crazy big student loans. I would love to get out from under them, but we have gotten our payments down pretty far and have just learned to live with them. I need to get some motivation to pay those suckers off!
@August15 - Wow, that's awesome!!! I feel like i'm going to drown in my debt. I had a really bad run of bad luck with 5 layoffs in my 20's (I definitely chose the wrong industry!) and since I was just starting out, I used credit for most everything. Now my credit report is jacked. I have student loans, but I'm still in school. We have two car payments. He has two credit cards, and we want to buy a house and have a baby.
GAH!
I feel like we'll never crawl out! But the Dave Ramsey books and stories are giving me hope!
I have one major goal for 2010: get a full time job!! I graduated from university this past July and jobs are scarce :( No job = no house hunting & wedding planning!
I would also like to pay down debt in 2010. The thought of my student loans coming due scares the heck out of me :\ I'd also like to save as much as possible, and start eating better and exercise more so I'll fit in my wedding gown come June!
Great thread! My goals are:
For me:
We've tried the envelope system and it didnt work! YIkes, having cash in the house that we knew we had, we just kept slipping into it for this and that saying we would just put money back in it later but not end up doing it. We have a problem with saving so here it goes:
1) Actually balance our check book and record all our expenses so we wont overdraft the stupid bank anymore
2) SAVE for house
3) Doing something charitable
4) Stop being so darn grouchy in the morning
5) Eat healthier/exercise more
6) Cut down on smoking
7) Stop letting others selfishness affect me as a person
@tammy - I'm a bit worried about having all that accessible cash, but we'll see how it goes!
I just got home from an hour of Total Body Toning class at the gym and a one mile run. Trying to get a jumpstart on the new year. :)
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Most of 2009 was dedicated to planning the wedding, changing jobs, and dealing with a family crisis. With 2010 on the horizon, my goals for the new year are:
1. Get us on a budget!
2. Prepare for motherhood!
What are your goals for 2010?