I didn’t do a June recap because I sucked at the goals I set for myself. But part of achieving my goals is being accountable to someone. And since I don’t have a significant other, YOU are the people I’ve chosen to hold me accountable.
So here goes…
Goals I Set for June
- Lower savings to $200 per week instead of $300 per week. DONE
- Call auto insurance company and drop collision. (My van is 10 years old. It’s time to stop paying for coverage I don’t need.) DONE. I also increased my coverage to $300K/$100K from $100K/$50K. Overall savings – $9.00 a month.
- Compare auto insurance prices.
- Stop using credit cards as a stop-gap at the end of the month when the money runs out. Then I won’t have to stress about paying those suckers in full the following month. DONE
- Start filling my van with gas in Massachusetts when I am there once a week already. Gas is $0.11 a gallon less, so that will save me roughly $7.50 a month. DONE
- Stop eating out. Period. This is going to be easier now that I use Peapod to get my groceries instead of waiting until there is absolutely no food in the house. This is not going to happen.
- Find out when my cell phone contract is up and price plans with other carriers. I changed plans with my current carrier, added some features and dropped Shaunna’s Blackberry for a bill that will be roughly the same.
- Quit smoking. There’s a savings of over $200.00 a month. I quit for 3 days.
Mid term goals:
- Get emergency fund back to $1,000. I need about $525.00 Now I need $900.00
- Replace $6,500 into downpayment fund that I have spent over the last 6 months.
How am I going to do this?
- Work as much overtime as I can to accomplish these goals over the next 6 months. I did work some overtime.
- Snowflake any money that I come in under budget towards my emergency fund first, then towards my downpayment fund. I didn’t snowflake anything.
- Blog monthly updates about my progress toward reaching these goals. Better late than never.
Since July is 1/2 over, I’m going to hold off on making any new goals until August. I need to get back on track and I know this. But I really want to think about the goals that I can accomplish - short, mid and long term – and crate an action plan to achieve them.
And hey – I don’t know anyone who achieves all their goals in every single month. Maybe the best thing is to make those short term goals small and achievable – it looks like you already have done great in that area. Then give yourself some space to complete the rest. It looks like you are doing well to me.
I would have totally failed at all of these so you’re already a financial queen in my book
I find this very inspiring!
You think that sucked? I don’t, like it has been pointed out… you did good.
Give yourself a break.
You quit smoking for 3 days, hey thats a start and you tried at least.
For the eating out maybe set a goal that is more achievable figure out how much you can afford in that category. For me I’m putting it in my entertainment budget maybe that would help?
It’s good that you gave up smoking even for 3 days. I quit smoking 4 or 5 times before I was successful.
Keep going. You’re doing good!
PS. Tell me about Peapod. Do the groceries cost the same as they do in the store and do you have to tip the driver?
Is there a delivery charge?
Thanks
You may want to look at this site.
http://bouncingbackfrombankruptcy.blogspot.com/
It’s a personal blog about someone who is getting her money problems sorted out.
Another goal should be to have Sean & David over to your home for a long over-due visit to hang out and catch up! Miss you much!