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Thinking to 2010

December 7th, 2009 at 01:45 pm

I am with the others in the West. Brrrrrrr. We've got snow, and a freeze warning. Both which happen, never? Living in the valley, I don't think we got snow (certainly nothing that stuck). But a lot of my co-workers live at slightly higher elevations (500-1000 feet?), and all woke up to snow today. Color me jealous! Nothing more than a light dusting, of course.

I don't see any more snow in the forecast - just freezing temps. Like anyone here knows what to do with that.

It's a bummer that it will probably be too stormy this weekend to drive up to the cabin and see all the snow up there. BUT, will keep an eye on the weather, just in case. If the weather clears, we will have an impromptu snow weekend.

My basil plant may be a casualty, from last night. Will bring it inside tonight, just in case it is still alive.

The heat will work extra hard the next couple of days!

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My brain is in 2010. Since any bill I get going forward can be pushed to 2010 (put on credit and paid in 2010), 2009 is mostly over for me. Though I will wait for 12/31 for investment values and such, to determine my 12/31 net worth.

So I still have a little financial housekeeping to do, for 2009. But for the most part, I am thinking to 2010.

I updated my sidebar, in light of this.

Last year I thought long and hard about my goals. It was a good year, I am happy, and so I don't have much to add this year. On the flip side, I think with all that is going on, simplicity is best. We won't have a lot of money to spare. & we will probably focus a lot of energy on dh's health rather than other things.

Thus, my financial goal is rather simplstic:

Save $15k.

$0 to ROTH.

Re-evaluate once we pay all the medical bills.

Instead of saving in various buckets, my only real bucket this year, is "cash." Though I would be happy to divert some of that to retirement, if the year goes better than expected. (Efund and medical fund are fully funded, as of 1/1. So other cash is really my only other savings goal. Cash for car replacements, orthodontia, house repairs and the like. I can't seem to make any progress there since I seem to get a pile of unexpected expenses every year. $2k here, $2k there. Medical, dental, smashed cars, etc. Feels like I Am spinning my wheels a bit, and why I am happy to hit cash hard this year).

I also had a long-term goal to put 15% into retirement. I am putting that on hold, for 2010. Until all this mess clears. 10%. Of course, I still don't know what my compensation is. By some miracle, I could get a raise and keep 15% to retirement. Just not exactly counting on that one. Big Grin I am assuming no raise, or something very minimal, considering the economy and everything. I also don't expect I will be able to do big on overtime this year - though some overtime is calculated into my $15k savings goal. I can probably only save $12k, otherwise.

My HOUSE goals mostly remain the same. I thought I would have enough cash this year to implement a lot of put-off purchases. Probably not, in the end, so may push them off. But we did make some progress on some inexpensive repairs, and have more to do in 2010.

My PERSONAL goals mostly remain the same:

**Personal**
[ ] Read a book a month
[ ]2 weekends away, with just dh
[ ]1 camping trip
[ ]1 trip to the snow
[ ]More trips to the cabin
[ ]More biking & hiking
[ ]Season passes to Raging Waters

I feel like I should add "survive" to the top of my list, and I would be happy with that.

BUT, 2009 was very fulfilling as we focused on things that were important to us. We want to make sure we make fun things a priority for our family. Most the things on the list were very frugal too, but fulfilling. IF we do all that, I don't think anyone in my house cares if we can't afford a bigger vacation this year. (We've really only had room for more "vacation" the last couple of years, and as such, are used to extremely frugal weekend getaways and such. Of course the whole thing point is that long/far vacations are not our priority. We like making use of what we have here - and did excellent with that in 2009. I suppose we didn't particularly "vacation" in 2009 if I think about it. Though we did pay for a few more hotel stays than we usually would. Coud live without...).

I did add a new item to the list: To read at least one book a month. I have been staying with that pace, since about October. Before then, "what's a book?" But putting it in writing, as a goal, really makes it more of a priority.

I suppose I don't care if a lot of this part of the list gets put to the side, with dh's health issues. I just don't want to forget these things, for when he is better.

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The theme for Christmas this year, is decidedly "kitchen."

I was just telling dh that I was probably going to get my dad a smoothie blender, and didn't have much else to buy. I also had confirmed that the spoiled cousins (our children and their cousins - with the Grandma gift hog) were not exchanging gifts.

Dh and I never exchange gifts, so I clarified that. I guess the rule is since BM has an allowance, that he has to buy gifts for us. Dh told me they had bought me a $25 gift. Ugh. (BM contributed like 1/3 of it).

I was wondering when I would have time to shop, and annoyed at wasting money on useless items, when I remembered dh wanted a larger food processor (we have a mini one). Not what he had in mind I am sure, but heck if I am going to waste $20 on something he will never use.

In the end, I perused amazon a bit and it worked out. I found a mandolin slicer with rave reviews, for about $20. We had been talking about that. Bonus was it came with a knife sharpener, for about $5, which would make it eligible for free shipping (amazon). Might as well take the sharpener.

So basically, I spent 5 minutes shopping for dh - and am done! (Will consider the food processor for his birthday. Better yet - will suggest that one to his mom).

I suppose I should have included BM in the process, but I know he will really like the idea. We will have to talk about it later. I'll ask him what he thinks and steer him in that direction. Wink & if he HATES the idea, I suppose he can buy some stupid trinket for dh. I suppose it is the thought that counts!

7 Responses to “Thinking to 2010”

  1. frugaltexan75 Says:

    It looks like you're getting a good financial picture in place for 2010.

    I hope the cold weather doesn't last too long for you! It's not much fun even when you're prepared for it (especially if it doesn't come with snow attached!)

  2. DeniseNTexas Says:

    It seems like you have a plan in place. And it seems like you have your priorities in place, too! Wonderful for y'all! I'll keep you in my thoughts.

  3. Debtfreeme Says:

    Mom got two feet of snow ip in placerville. I got no snow but did see it spitting late last night. I miss the snow but I am not going up there to see it. It is cole like I remember from Vermont.

  4. gamecock43 Says:

    2009 is over for me to. I have been thinking all 2010 too.

  5. baselle Says:

    Love my mandoline slicer - that's a great gift.

  6. monkeymama Says:

    BM liked the idea too! Phew! (Some reason I thought it was Mandolin - hehe).

  7. John DeFlumeri Jr Says:

    Money invested in the kitchen is worth it, you spend a big part of your life in there, and it makes the house more sellable also.

    John DeFlumeri Jr

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