Tuesday, January 1, 2013

Let's Be Clear for the New Year!

I posted my monthly goals yesterday as I feel a New Year's resolution is too big and will fall by the wayside.  I copied them below.  The thing is, the explanation for #4 is in an older post, which I am going to add in red.  That way everyone knows what #4 involves so I am more accountable.

So here it goes - January goals:
1. Lose 10 lbs. Reassess at the end of the month and set a new goal for February.
2. Make a menu plan each week.
3. Complete my January block of the month for the Don't Call Me Betsy activity.
4. Complete to do list for Carla's January Finance and Decluttering Challenge.
For the decluttering challenge:
A. Clean and organize the sewing room and walk- in closet in that room. It looks like a fabric explosion from my Christmas sewing.
B. Clean out the walk-in closet and dressers in the master bedroom and donate the unwanted items.
C. Go through the kids old clothes and set aside for a spring yard sale.
For the low spend challenge:
A. 10 no spend days.
B. Set up automated savings to online account to fund a Roth IRA in the new year. My husband was putting 15% in his 401k but his company only matches the first 7% so we dropped in back to 7% for the new year. We will put the other 8% in automated savings, but this will get difficult because his pay fluctuates due to sporadic overtime. I guess I will set an automatic amount based on regular pay. Then I will have to be dedicated enough now to go online and transfer 8% of any overtime as he gets it. This worries me as I do not want to fail and end up saving less. This will crush us on our income taxes now, but the win is that we will be able to withdraw it tax free in retirement.
C. Sock $400 away in our vacation account.
D. Increase our automated college savings by $50 per month for each child. My kids are in 9th and 10th grade and the fear of tuition payments is starting to wash over me. We have saved a good bit but it is no where near enough. I just don't want them to be crippled by student loan debt when they graduate.

5. Participate in the good cheap eats pantry challenge.
6. Make a noodlehead gathered clutch. I have had the pattern for months and it is just sitting in my sewing room. I love her patterns!
7. Order the pattern and make a sidekick tote - also from noodlehead. It has a recessed zipper and that is something I really want to learn!
*I made the go anywhere tote and it taught me how to do piping. I have made 8 or 10 of the 241 totes and learned how to insert a zipper pocket. Noodlehead rocks! (I am not affiliated with the noodlehead website in any way and was not reimbursed to make the above comments. I just happen to love her patterns. It is solely my opinion).

That's it. I will cross the items off as I go.

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