I’m all about keeping resolutions simple.  I used to get all crazy and make a bunch of complicated resolutions.  But come January 3rd they had been forgotten.  So now I try to just make one.  And really it’s more of a goal than a resolution.

Last year my New Years Resolution was to get wills.   Which I’m proud to say was actually done!  (You can read about it here.)  It wasn’t hard at all once we got our butts in gear.  Basically just laziness and cheapness is all that was keeping us from it.

I want to make a resolution to pay off my husband’s car, and start a car fund.   But I don’t know if that is reasonable in this economy.  We owe just over $4,000 on his car.   We would have to pay an extra $73 per month towards it to get it paid off this year rather than next.  Which may or may not be doable.  The car fund would really be a struggle.  The economy really needs to pick up here if we are going to be able to do that.  My husband needs some overtime before we can start putting extra money into savings.

That said, I think a reasonable goal for 2009 would be to continue to be a stay at home mom. Right now I feel like that is a workable goal.  I know it’s not much of a resolution to just try to hold steady, but if we aren’t careful I can see us getting into a position where I will need a steady income.  I will feel we did great in 2009 if next year I’m still sitting here on my couch watching Little Einsteins and writing my blog.  And if were able to get my husband’s car paid off and have a car fund going then all the better.

What are your financial goals for 2009?

pic by: ahisgett

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