ruadisneyfan2
DIS Legend
- Joined
- May 20, 2006
- Messages
- 17,431
JMHO but I would attack that last $900 of student loans before tossing money in any other direction (except necessities and min payment of bills)Week 5 update:
Goals for 2018
Financial Goals
Eliminate last 900 dollars of student loans
Increase DRIP stocks value to 5000
1/1 2507
1/28 3011
Increase my 403b value to 75,000
1/1 60,000
Increase wife’s 403b value to 50,000
1/1 40,000
Decrease eating out budget to: (1 morning and 1 evening per week + a few special occasions) Currently eating out 4 mornings and 2-3 evenings per week - NO MORE!!!!!
1/1 - 1/7 1 breakfast and 1 dinner out
1/8 - 1/14 0 breakfast and 3 dinners out (2 of these we because we were out of town for robotics competition)
1/15 - 1/21 1 breakfast and 1 dinner (anniversary)
1/22 - 1/28 1 breakfast and 2 dinners (both worked late one evening)
1/29 - 2/4 1 breakfast and 1 dinner
Start bringing lunches to work regularly - no more eating at school cafeteria (food not great and it is 5 dollars for teachers)
1/1 - 1/7 Out of the 4 school days this week brought lunch 4 days
1/8 - 1/14 Out of 5 school days this week brought lunch all 5 days
1/15 - 1/21 Out of 4 school days this week brought lunch all 4 days
1/22 - 1/28 Out of 4 school days this week brought lunch all 4 days
1/29 - 2/4 Out of 5 school days this week brought lunch all 5 days
Continue saving 50/ week for vacation
1/1 50/50
1/7 50/100
1/14 50/150
1/21 50/200
1/28 50/250
2/4 50/300
Cut Discretionary Spending by 20%
Tracked our entire spending for the month of January so now can see where we actually spend money and make some adjustments!!
Eat out of pantry/freezer for January to use up as much as possible
1/1 - 1/7 used up 15 items from pantry and freezer
1/8 - 1/14 used up 9 items from pantry and freezer
1/15 - 1/21 used up 11 items from pantry/freezer
1/22 - 1/28 used up 13 items from pantry/freezer
1/29 - 2/4 used up 7 items from pantry/freezer Now having to start buying some grocery staples again as we have done a great job of using a lot up!
Not buying any office supplies for personal use (have enough to stock a small business!!)
1/10 Used up pack of 5 insertable page tab separators for stock statements
1/14 Used up 1 roll of scotch tape
1/15 1 pkg of loose-leaf paper to school
2/4 1 binder used for some semi important documents
Life Goals
Declutter 2018 items in 2018
1/1-1/7 23 items decluttered (23)
1/8 - 1/14 40 items decluttered (63)
1/15 - 1/21 129 item decluttered (172)
1/22 - 1/28 88 items decluttered (260)
1/29 - 2/4 6 items decluttered (266)
Lose 30 pounds (starting at 300 lbs)
Personal Goals
Read 20 books
1/7 Book 1 completed
1/28 Book 2 completed
2/4 Book 3 completed
Get the upstairs bathroom and spare bedroom fully remodeled (needs to be cleaned/organized, needs estimate, needs contractor start date, needs to be completed)
Start leaving work at work! (cut down conversations about idiot/lazy/incompetent coworkers)
Once that is eliminated, the monthly payment that once went to student loans is now available for other uses, and you will reach those goals more quickly.
It feels great doesn't it? 

It takes a lot of hard work & persistence but it's great when you can cross a bill off your list.
). On the other hand, DH and I have only eaten out once this weekend so that's a positive change!
However, had to schedule a last minute flight/hotel for next week to NYC BUT used companion pass for DD and miles for DM so the hit to the credit card wasn't as bad as it could have been, I suppose.