Looking forward to 2009

I'm working on getting back on a more normal schedule now that most of remodeling phase I is complete. I'm happy to say that besides a few paint touch-ups, kitchen and bath window restoration, and the back door (waiting til good weather for this), we are essentially done! Before we dig into the work necessary to start phase II (most of the original floor of the house: living room, dining room, hall and 2 small bedrooms), I'm working on Dave Ramsey's Total Money Makeover plan to make sure we have a substantial savings and emergency fund before we start spending on the house again. It will likely take us the next 2 months to build up the remainder of the 6-month emergency fund that I've been working on. I have about 2/3 saved so far. Our only debt is on my car, which I'd like to sell and buy one outright with cash in 2009 as well. The other goal is to buy only with my debit card. It's too easy to use CC and I know I would save more even though I pay those cards off every month. I'd also like to get a permanent position at PGE once the current project I'm leading comes closer to completion. Hopefully for a similar salary to what I make now. I'd also like to do a European vacation in 2009, but its the last priority in the current economy because I will only do this if we don't have to crack into savings or CC to go. I'd rather have the remodel done than take a fancy vacation as well. :) I also need to focus more on the Flylady system to keep the house clean and get back on the 6-day a week workout routine, instead of about 4 which it's hovering around now. Here's to a great year!

One Response to “Looking forward to 2009”

  1. Nicole Says:

    Congrats on being done with phase I and being smart enough to take a little time to save more money before continuing on with your house projects (I’m sure you can use the break too!). I think that enough people now have mentioned Dave Ramsey’s book that I probably should read (skim) it – though by now I probably have the gist of it. But, one thing I definitely want to do next year is make a solid (though ever changing) plan for our finances and hope that by the end of next year we have a fairly solid plan in place (since by then everything will have calmed down for us). I hope it goes well for you!

    Good luck with the flylady stuff as well. Now that Jesse just has clinic duties at school, he’s going to be our designated flylady mission of the day person – which will be a totally awesome help! I really love flylady – it’s just remembering to keep up with things! It works well if you actually do your 15 minutes everyday.

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