Wednesday, December 26, 2012

How was your Christmas???

Were you able to stay on budget?  Come in under budget?  Or are you saying, "what budget?"  I am very happy to say that I came in UNDER budget and did not have to pull out the credit card once for holiday expenses.  I was hoping that I'd have the credit card paid in full by 12/31/12, but it doesn't look like that is going to happen, although it will be close.  I'm down to $1286.01 left to pay on it and I should have that paid off by mid-January.  I have a fairly large check coming at work tomorrow for some back pay that was owed to me.  Once I see exactly how much that is, I'll have a better idea of when I'll have that balance down to zero!  I also have a check coming hopefully in the next couple of days for a $122 for a reimbursement from a drug company.  It pays to look up prescriptions you are taking to see if they have an offers.  I have a face cream that I use and even with my prescription my co-pay was still $152.50.  I checked out the site and they are currently running an offer where your portion is no more than $30.  So, I quickly filled that all out and sent it in, I should be getting that check in the next couple days as well, that will all go straight to debt reduction.  My birthday is in 2 months, so I've decided that I'm not going to go to the after Christmas sales and buy stuff I don't need or want and will wait until my birthday and use any birthday money I receive in order to do some shopping for spring/summer clothes. 

For New Year's Eve I will be going to a party at my brother's house and will spend the night there.  Better to not be out on the roads that night.  I love that they have a party every year, it's very low key, lots of fun and light on the wallet.  I only have to bring what I'd like to drink and a dish to share. 

Not too much else coming up that will cost much, so it'll be nice to get the credit card knocked out and then work on the car loan next.  In April, my annual loan payment to my parents is due and I've been putting money aside each paycheck to cover that, so that'll be taken care of.  Last year marked the 1/2 way repayment so now I'm on the downhill slide to having them paid off.  Woohoo!! 

I'm still working on fine tuning my new year's resolutions, they won't all have to do with my finances.  Are you making any resolutions?  If so, what are they?  I'd love to hear what you all are working on.  I hope you had a FANTASTIC Christmas holiday and are looking forward to 2013, I know I am. 

Current debt:  $232,806.75

Sunday, December 2, 2012

Holidays...bah humbug...

OK, not really, I'm just working on a plan to keep the cost associated with said holidays down.  While I've drastically reduced my gift spending over the past several years, I'm still looking for ways to cut even more.  This coming Friday my mom, sister in law and I will take the day off work and head out shopping.  I'm hoping to take care of all of my shopping on this one day and then next Monday when I take my Grandma out to do her shopping.  Other than that, I hope to steer clear of the malls and shopping.  I'm looking forward to spending some time celebrating the real reason for the season, enjoying friends and family, relaxing and reflecting. 

I was home sick this past week for 2 days and was so thankful to have paid sick leave at work.  There was NO way I could have gone to work and while I felt miserable, it was a real comfort to know that I was still going to be paid for those days, one thing off my mind while I was home and could focus on getting better. 

I'm working on thinking of what my goals for 2013 are going to be.  I'm hoping to start the new year without the credit card debt, however, there may be a small amount left to pay on that.  That will be my first priority, then I have to get the money built up to make my annual payment to my parents for my mortgage down payment loan.  That will be due in April and is nice to get it taken care of.  Then it's time to power ahead on knocking out the car loan.  Since I turned 40 earlier this year, I am focusing on planning more for retirement and the future.  It's hard to believe I've hit 40 already, I'm sure 50 will come even quicker, then 60 and so on.  It was  a real eye opener to see that 40 came so fast and I want to be able to retire at a reasonable age and enjoy life. 

Not too much going on here, I know it's going to be 2013 before I know it and a new exciting year.  I hope you all are looking forward to a joyous holiday season with family and friends and NOT getting yourself in to debt.  Remember, no one wants you to give them a gift that you can't afford. I would hate to hear that someone when in to debt in order to give me a gift.  And because I feel like that, I am not going to put myself in to debt in order to give anyone else a gift. 

Wishing you all a happy and healthy holiday season! 

Current debt:  $233,562