New Years Resolutions for 2009

Author: Ashley

1 Jan

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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6 Responses for "New Years Resolutions for 2009"

Debtfree2009 January 1st, 2009 at 4:50 pm 1
I plan to pay off my car and my credit card and be debt free except for the mortgage by December 31, 2009.

Good luck with your goals.
MrsMoney January 1st, 2009 at 4:52 pm 2
Ashley, I think these are great goals! I would recommend starting a separate savings account to put your $73 a month in or just add it to one of your existing savings and keep a spreadsheet of how much you put in. That way, in the event of a crisis, you’d have the money to use for whatever you needed.

I think it is AMAZING that you can stay at home and I really commend you for that!!
Ms. MoneyChat January 1st, 2009 at 7:13 pm 3
i’m all about keeping it simple! there’s no need to complicate matters. with the exception of consistently making extra principal payments on my mortgage, i don’t really have any “new” resolutions/goals either (financially speaking).
Les@spillingbuckets January 2nd, 2009 at 9:27 am 4
I really like your goals - they are things that aren’t impossible, and that will make your lives better.

For some ideas on how to earn extra money and still be a stay home mom check out: http://alternativeincomereviews.com
Miranda January 2nd, 2009 at 10:07 am 5
Great goals! I think holding steady is a great goal. Sometimes it takes effort to remain in a place you like. I think the economy is one reason that rebuilding our emergency fund and saving up four months worth of expenses is so high on my list of 2009 goals. I want to be prepared!
Sunday Link Love! | The Ultimate Money Blog January 4th, 2009 at 4:58 pm 6
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