Here's a top ten list of prioritized goals for 2008:
1. Hug Hubby a lot more.
2. Restructure the end of the debts to minimize number of payments and interest rates.
3. Do all bill paying and budgeting online so I can keep track of exactly where my money is going.
4. File the bills as soon as they are taken care of.
5. Put away money each month toward birthdays and Christmas expenses.
6. Set aside cash each month for fun stuff.
7. Take kids to at least one free event every month at the library/park/whatever.
8. Bring my lunch at least 4x a week to minimize $ spent there.
9. Eat more vegetables.
10. Figure out how to work some exercise time into my week.
Obviously time with Hubby is the most important thing I can add to this year. It's hard with two jobs, two kids, our crazy extended family, and the seemingly 9 billion things we have to do every month, but I want to make sure he feels loved and taken care of. He's been last on the list many times before (especially when the kids were babies), and he deserves a lot more.
You can tell that paying off debts and managing the budget are two big priorities also. I've never been very confident with managing money or doing budgets, but now that I'm using the online bill paying service and watching my accounts online, I can tell a lot more easily what's going on with the bills and the bank. Not that I'm ever going to be any kind of raging genius when it comes to this stuff, but I at least don't feel like I'm a totally incompetent moron.
Seems like we spend most of our weekends cleaning the house and doing laundry rather than getting out and doing fun stuff as a family, so I'd like to do more of that. Not sure how that's going to work with the laundry schedule, but we'll live. Last on the priorities is basically improving my eating and exercise habits as always... I do okay on those for a while but not consistently. The exercise one is my biggest bugaboo. Maybe someday the basement will be finished, the toys and a tv down there, and we can get an elliptical machine. More good ideas -- but Hubby's got to put those Home Depot cards to work buying the materials to finish off the basement first.
The only thing I haven't put on the list is trying to figure out what kind of spiritual time I want to have in my life. I think that's going to end up being some kind of separate list for the coming year. I've been sorely lacking in that department, and I do want the kids to participate in some kind of spiritual activities. I've been extremely offended by the kinds of shenanigans that have been going on in the local Catholic and Episcopal churches here -- am thinking about making a trip to the neighborhood Lutheran church with Miss Emma next door. We'll see.
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