Ah heck. I’m already failing at my 2019 Goals

  1. Clear off our $10,937 debt by May Hard nope! Not gonna happen.
  2. Contribute $1000/month into my RRSP I was contributing $825 but now have to cut it to zero until the debt is paid off
  3. Plan a trip to Eastern Canada This is part of our debt.
  4. Complete Dry January (so far, so good) Had a drink 17 days in. Oops.
  5. Keep our Grocery budget below $500/month I need to up this figure since it includes food for our rabbits

Our finances are one big clusterfuck right now with the husband in school. He missed qualifying for EI by 30 hours which leaves us to a single income: mine. It seems like I just have enough for our monthly expenses and not much leftover to pay down debt. It really sucks. I’m trying not to stress but I fucking hate debt. There’s a summer break for classes so we have applied for numerous jobs for him. He is starting a minimum wage job next week which will help with finances and he’ll leave it when a better opportunity better comes up.

2019 Goals

New Year’s Day has come and gone and I’ve procrastinated on this post. I don’t really have any personal resolutions for this year except to continue to eat healthy, exercise 5-6 times a week, be tidy a la KonMari and don’t be an asshole.

However, I do have some financial goals.

  1. Clear off our $10,937 debt by May
  2. Contribute $1000/month into my RRSP
  3. Plan a trip to Eastern Canada
  4. Complete Dry January (so far, so good)
  5. Keep our Grocery budget below $500/month

Blog goals:

  1. I’ve been sitting on a few draft posts that are very personal to me. I need to complete and publish them.

May is a pivotal month for us. If all goes according to plan, we’ll be debt free by May and then can FINALLY start hoarding money.

This new debt has really played with my emotions. After achieving personal debt free status last June, my husband dropped a bomb on me. His debt was now my debt but we’re working together on clearing this off ASAP. It’s a little more difficult now that his current job is running out of projects and he predicts he’ll be laid off by next month. His courses for his diploma also start this month. He’ll be on EI and as much part time as EI allows during this time. So yeah, that’s my next year. Do you have any goals for this year?

December 2018 Goals Review

  • Pay $2000 towards debt PASS! Yes, we did!
  • 20 No Spend Days PASS! I had to reset my phone but I’m pretty sure I got over 20 days
  • Put potential bonus towards RRSP so as not to be in the 36% tax bracket PASS! I got a $1000 bonus and put that my RRSP so I’d remain in the 30.5% tax bracket.

I’m actually quite surprised I got a bonus. It’s been a broken promise for so long but it’s better than nothing and kind of makes up for my paycut. I’m never forgetting about that.

December 2018 Goals

  • Pay $2000 towards debt
  • 20 No Spend Days
  • Put potential bonus towards RRSP so as not to be in the 36% tax bracket

I can’t believe it’s December already. I admit I have the winter blues. I’m using my SAD lamp and taking vitamin D but on some days, I’m just not feeling it. I get angry when I have to drive into work when traffic is bad due to snow and think about the money The Ex owed me which I have written off ($30K). I don’t want him in my life and he was taking forever to make payments but it would help in sending my husband back to school or we could take a honeymoon. Oh well. I know good ole karma is taking care of him right now.

November 2018 Goals Review

  • No unnecessary spending. I’m in austerity mode now. I’m so tempted to put my credit cards in the freezer. I’m aiming for 30 no spend days. Fail! But I had 20 no spend days which might be the highest I’ve ever had.
  • It’s a 3 paycheque month so that means I can put up to $4500 towards debt. That’s just my pay alone. PASS!

No Spend November was a semi-success if I’m to stretch the truth. I succumbed to several Black Friday sales unfortunately. I picked a bad month to try this and am going to try again for December.

November 2018 Goals

My main goal this month is to put a LARGE dent in the outstanding debt .

  • No unnecessary spending. I’m in austerity mode now. I’m so tempted to put my credit cards in the freezer. I’m aiming for 30 no spend days.
  • It’s a 3 paycheque month so that means I can put up to $4500 towards debt. That’s just my pay alone.

October 2018 Goals Review

  • put $3000 towards our new debt of $7900. Doable since husband finally got a job in his field. FAIL! This hasn’t happened yet because my husband had to take his car in to get fixed.
  • 20 gym days PASS! Bang on 20 days!
  • 18 no spend days PASS! 21 no spend days
  • start using the Rosetta Stone to learn French and complete Level 1. PASS!