Thursday, January 08, 2009

Finacial Goals for 2009


Those of you who have been reading and following our story know that we adopted our daughter this year. She has been the biggest blessing of our lives. She has given us new purpose changed our lives and our priorities in ways we never realized would happen. We want to adopt again and bring home an brother or a sister for her. This year we are planning on focusing on enjoying life with just her and on preparing ourselves to jump back into the process of adoption. We can't wait....I have been following a few AWESOME blogs of women who are trying to get there financial life in order. They are inspiring in so many ways. Back before Christmas I pledge to myself and to Riz that we would set goals for ourselves in 2009 for our financial health. So here they are...




1. Start Grocery Shopping on a budget...I am learning how to do this from this group of blogs that I have been following . It has been a challenge to change our habits of just grabbing and going at the grocery store... We are slowly getting there. I am no where near as good or as disciplined as these women. I am more aware of what I am buying and more aware of where the deals are. This has been fun really...




2. Pay off the 3 credit cards we have. During the process to adopt our daughter these 3 cards were used for various adoption related things and a bit of retail therapy too. I have the first one almost paid off and the second one is about to get a huge payment do to the fact we sold our camper tonight. We are sad about that but we have not camped in almost 2 years and our camper was beginning to rot away so we thought lets sell it and pay off some debit with the money. We feel good about the fact that we got what we were asking for it and that after 15 years we got nearly what we paid for it. Later down the road when the debit is all gone and our quest for baby #2 is under way we may look into buying a new camper (well not new but new to us)..Cash of course...




3. Start an emergency fund....and add to it every pay period no matter the amount we are able to put in it. We are starting with $25 dollars a pay period and hope to increase it as we pay off the credit debit.




That is it we limited our goals to just three for now and if by chance we get those accomplished then we can always add more but for now that is where we are...I will post once a month to let you know the progress on these goals....

6 comments:

Cheri and Shane said...

Well look at those Rizzo's...being so organized and prepared!! LOL

Great job! Sounds like a wonderful idea. I'm sure you will stick with your goals...but I am sad for you that you sold your camper. Especially after all those times we talked about how fun camping with the girls would be. Oh well....you can get another one when Sophia is a little older!! :)

Love ya!

Melissa said...

Wow..good for you!! I am sure you will meet all these goals and a few more! I would love to know the blogs you ready about grocery shopping.

Wanda and Geoff said...

Awesome! If anyone can do it YOU TWO can!!! We are wishing the best to your plans. We want to see baby #2 asap too!

Wanda and Geoff

Sherri & Todd said...

Sounds like a good plan to start, we did that a few months ago getting rid of things we don't really need.

Getting organized and prepared for a healthy life style, wonderful news. I'm steady moving onto a goal of riding my bike or walking 3 miles a day and have been doing great, lost 15 pounds in Sept/Oct and kept it off and I want to continue with that route.

Can't wait to see what the end brings you guys. Keep up with what your doing and don't give up.

Love,
Sherri

Ps. Happy New Year

Anonymous said...

Susan,
I have a budget for groceries and personal items set for each week. I use coupons like crazy. I put the coupon money in Claire's bank account. Within 3 years I had put in over $1000. Not too bad for money I would have sent otherwise.

Starla

Tamara said...

Susan,
I would love to have the blogs you are following for the grocery shopping. We are also setting some pretty lofty financial goals (do you think Jim will sell the bike to meet them???)
Good Luck!!!! and good luck on starting baby quest2-