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May 13th, 2014 at 11:43 am

2 entries in one day! I feel like I need to give an update (reality check) to the sidebar goals I set in the 2014 new year euphoria.

1. Stick to a monthly budget- I HAVE STUCK TO IT. But I am THINKING of deviating. My credit cards have been creeping. I set a tight budget thinking husband would get disability (he has not) and thinking I could live very frugally while getting my life under control. Instead- husband has been spending WAY more than he normally does- and baby keeps being ready for more crap! We got her an excersaucer and a few weeks later a high chair- and so the credit cards are hitting- scary land. I'm THINKING of stopping putting money towards savings and just increasing our monthly spending budget. Reality check- we spend more than our monthly budget allows. ...Still pondering that. I HATE BREAKING A GOAL. I HATE CREDIT CARD DEBT. So we'll see.

2. I am adding $900 a month to our monthly income! But spending $200/month in gas to get to/from the job. $200/month dilligently goes to saving for the baby- the remaining amount- gets spent. Is not going to horseback riding. But I ride horses at my job...so...thats kind of still meeting the goal..ish?

3.I am horseback riding! Not in the competitive atmosphere I prefer. But I am tral riding and in the industry!

4. I'm not buying a horse. My plan to own a horse in 2015 is to not get one. This job has been a reality check- too expensive.

5. I HAVE been adding $100/month to the mortgage!

6. I have been saving for a future car purchase- that is on track.

7.I have been saving in the emergency fund. Thinking of raiding it to pay off the credit cards. Still pondering that one.

8. I hit my goal weight! Awesome!

9. I have not been saying No. He's kind of stopped running things by me and just does it- giving me no opportunity to say No. Sounds worse than it is- his purchases are a few hundred dollars- not enough to have a real discussion over- but then they have been adding up. Ugh. I need to work on this one.

Ok- writing this out. I'm doing way better than I thought! I have been staying on track, even though unexpected stuff has come up that could have derailed me. This gives me motivation to really refocus.

2 Responses to “Refocusing”

  1. ceejay74 Says:

    It sounds like you're doing great overall! Although if credit card balances are creeping up, then the budget isn't really being stuck to. (Based on #9, though, sounds like that's not your doing.) Still, for the most part, you're doing awesome! I, on the other hand, have basically exploded my 2014 goals and started over with a whole new set.

  2. creditcardfree Says:

    Congrats on your weight loss!

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