Weekly update! Not much going on this week financially since today's not payday
Week 6
2024 Financial Goals
1. Pay off my credit cards and car loan in 2 years by using the debt avalanche.
I've already scheduled and accounted for all of my bills and credit card payments for the next pay period. A total of $380 will be going to my Lane Bryant card (minimum plus $350 extra) next Friday. I could pay it now if I wanted to but I'm working on keeping a decent cushion in my checking account in addition to my emergency fund.
2. Increase my monthly payments to my husband for household expenses by $800 a month beginning in May and open a joint checking account where we will each contribute monthly. We figured giving me until May to sock some extra cash into my checking would be a good idea since my personal loan is now paid off and that was sucking $1000 off the top of my paycheck once a month.
Snoozed until May.
3. Set aside $285 per month from January-June to cover the cost of our hotel for our anniversary trip in July to Monterey.
$285 more into my HYSA (2/6)
4. Begin paying for our 2025 spring break cruise to Mexico in March. Payments will be $400 a month from March-December. Also set aside $50 per month during that time period to cover our upgrade package.
Snoozed until March.
5. Continue using the YNAB app and website to track my money daily. I'm still tracking my money the old fashioned way with a register but I really like the budgeting aspect of YNAB and am getting more and more used to it.
Reconciliation didn't go so well this week. I ended up off by over $500. Not sure what that's about. (6/52)
2024 Personal Goals
1. Finish deep cleaning and organizing my kitchen. My husband is basically the Swedish Chef so he makes quite a mess when he cooks. I appreciate the fact that he does all of the cooking but it's a lot to keep on top of TBH. I need to do a better job and put in more effort. I will track this weekly.
Welp, it was a poor effort on my part this week. Tomorrow is another day, as Scarlett O'Hara once said. Actually, we may have a few folks over for the game on Sunday so that gives me a built in deadline, which I like. (2/52)
2. Once I feel like my kitchen is back under control I'll transition to organizing my clothes that are in boxes in our bedroom. I will tackle this at least one of the days of my weekend.
Snoozed.
3. Reorganize and deep clean my bathroom. I have too much on the countertop and need to make use of the cabinets in a more organized manner.
Snoozed.
4. By July I'd like to be at the point I can begin to tackle my boxes that are still unpacked in the garage. I had a storage unit for years and now they're just sitting untouched since we moved into the house 3 years ago.
Snoozed.
5. In August I'd like to make my stepson's room into a workout room. He's a senior in high school this year and he'll be starting college next fall. He's only staying over 1 or 2 nights a week at most at this point since he lives with his mom so I don't feel I'll be booting him out or anything. I am at my highest weight ever and I honestly don't even know what that is since I'm scared to get on the scale. I can have all of the DVDs and online workouts in the world but they do no good if you don't use them. I think having a space set aside will really help me out.
Snoozed.
6. Get my passport at some point this year to be ready for the cruise in 2025.
This probably won't happen for at least a few months.
7. I came up with a new goal. Get back to baking on a weekly basis. This will begin when my kitchen is 'done'. JK, I know a kitchen is never truly caught up on.
Snoozed until I cross #1 off of my list.
I hope everyone has a great time this weekend watching the game if you're so inclined! Go Team Halftime Show!