The good thing about goals is that they are flexible and ever changing. J & I seriously set down our goals in August of this year and the major one is to save up enough money for a home deposit so that we can get a mortgage by next year. Since August, we've saved up $8000 together. I've never been much of a saver so saving $4000 by myself in a short span of time (while still paying down debt) is an achievement for me. Now I know I can do it and I can do it easily.
Our goal to get a mortgage is still intact but there are other forces in play such as an impending wedding, paying down debt and travelling. Initially, we were going to save up 5% of our loan and get a mortgage immediately, now we've decided to save up a little bit more so that we would have more money to use for our mortgage. But that can change any minute as I'm quite impulsive.
J & I are going to have two weeks off for Christmas & New Years this year and we don't usually get to spend December holidays together because J has to work most NYE so we wanted to celebrate somewhere special. At first, we were planning on going for a 7-day road trip from Sydney to Queensland. I made a budget and it was going to be much expensive than I thought it would for an Australian holiday. And honestly, I don't think it was going to be worth it and I wasn't going to be happy with it in the long run. So we've decided to go to JAPAN!!! Yep, we're heading off to Japan for two weeks this December to celebrate Christmas and NYE in TOKYO! I'm so excited!!!
This will of course impact heavily on our savings. We already have $4000 each (plus J has an EF of $2500) saved up and we've decided NOT in any circumstances touch this money. So what we're going to save in the upcoming months from October to December will be our Japan money. I think it's definitely going to be worth it!
Showing posts with label Goals. Show all posts
Showing posts with label Goals. Show all posts
Wednesday, September 30, 2009
September Goals Review
Financial Goals:
1. Savings of $1000 in personal ING account - DONE!
2. Pay off $292 in university debts (to tax office) - DONE!
3. 10 NSD Challenge - FAIL! I only had 4 No Spend Days in September. How sad is that?
4. Don't use the credit card - FAIL! Yes, it was used. Again and again.
5. Fill out green form and send it off to work's Financial Services so my HECS debt can be automatically taken off my tax pay each year - FAIL! Completely forgot to do this.
6. Record every spending for the entire month - FAIL! I'm pretty sure I may have missed (or omitted) a few days or items here and there.
Other Goals:
1. No Sweets Month - EPIC FAIL! This is not ever going to be a goal again because it's just not possible.
2. Exercise 3 times a week including PT session - FAIL-ish! Sometimes we went for 3, sometimes 2 or none at all. Must do better in October.
3. Drink alcohol only 2 nights a week - DONE! I probably only had 2-3 drinking days in September!
Next month I am going to have more greens!
1. Savings of $1000 in personal ING account - DONE!
2. Pay off $292 in university debts (to tax office) - DONE!
3. 10 NSD Challenge - FAIL! I only had 4 No Spend Days in September. How sad is that?
4. Don't use the credit card - FAIL! Yes, it was used. Again and again.
5. Fill out green form and send it off to work's Financial Services so my HECS debt can be automatically taken off my tax pay each year - FAIL! Completely forgot to do this.
6. Record every spending for the entire month - FAIL! I'm pretty sure I may have missed (or omitted) a few days or items here and there.
Other Goals:
1. No Sweets Month - EPIC FAIL! This is not ever going to be a goal again because it's just not possible.
2. Exercise 3 times a week including PT session - FAIL-ish! Sometimes we went for 3, sometimes 2 or none at all. Must do better in October.
3. Drink alcohol only 2 nights a week - DONE! I probably only had 2-3 drinking days in September!
Next month I am going to have more greens!
Monday, August 31, 2009
September 2009 Goals
Monday, August 31, 2009
2
Financial Goals:
- Savings of $1000 into personal ING account - J & I are back to paying $450 a week rent starting this week so fingers crossed I can still save $1000 a month.
- Pay off $292 in university debts (to tax office) - already included in my budget. The tax office has given me coupons to take to the post office to pay every fortnight so I don't conveniently forget.
- 10 NSD Challenge(No Spend Days) in conjunction with High Class, Low Income - as long as I have breakfast & lunch during work days, I don't really need to spend.
- Don't use the Credit Card - highly unlikely since J hid it (but I think I know where!). Anyway I really want to pay this sucker off so I can save the $100 I'm allocating to it per fortnight. $487 to go plus interest!
- Fill out green form and send it off to work's Financial Services so my HECS debt can be automatically taken off my tax each pay - if I don't do this, I would be continually paying the tax office and not getting a major return at the end of financial year!
- Record every spending for the entire month
Other Goals:
- September is No Sweets Month except for 1 day of the week - stick to it! J & I have been exercising but our diet is shite so we're not losing any weight.
- Exercise 3 times a week including PT session - I have a lot of credits on my PT sessions so I should really try and sign up for more classes
- Drink alcohol only 2 nights a week - I've been having a lot of wine lately. Not good.
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