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2011 Progress Check…. Survey says??????

Way back in January i listed some short term and long term goals. The short terms goals were basically a to-do list I was whining about, and got all of those done in short order. My annual goals were a bit lofitier and required a bit more work/patience/determination.

So, without further ado, below is my original list of goals and their results…

1.Pay off dump truck.  [There is a balance of $1100. It will be PAID OFF in January!]

2.Pay off 3 credit cards. [Actually PAID OFF 5! Yesireeee, $3175 – GONE. Plus, paid down another $2100 on the remaining cards.]

3.Establish an E-fund. [Started out great, ended up needing to use some. Currently have $2,000 stashed. Not bad, but not the $5,000 i was aiming for.]

4.Establish savings for: Christmas, Health, Rainy Day. And set it up to contribute automatically. I use ING Direct so this is the easiest thing in the world. Just need to do it. And not “borrow” from it. [Set-up account for Christmas. Saved $1000 and used some of it for my shopping. Still have about $300 in there for next year. 🙂  Did not set up Health because we may do Flexible Spending at work. FAILED at setting up Rainy Day fund. Unless the cookie jar counts? There’s a few Benjamin’s in there…]

5.Lose some weight. Specific numbers and/or plans seem to have the opposite effect. So, let’s just keep it vague and any victory will be a win! [WOOOO-HOOOOO!!! Lost 23 lbs this year! Down a pants size and feeling good about the progress. Doc would like to see me lose another 20-30 before we go to fertility specialist. Got an ipod for Christmas, so loading up playlists for workouts.]

6. a) commit to making healthier meals [Sorta. Kinda. Not eating as many carbs. Definately eating at home a lot more. I give it a 50%]

7. b) get a complete physical [Done. everything good except triglycerides a touch high.]

8. c) work out at least 1 day a week at the fire hall [I work out at home. As often as i can. Some weeks it’s every day, some weeks 0 days. Hey, i’m busy. I do it when i can. Let’s call it 50%]

9.Paint the downstairs and decorate. We’ve been there 10 years. It’s about time. [FAIL. I got as far as painting some sample colors on the wall. Hubby freaked the ‘f’ out. Back to square one. Found some inspirational idea pics. Just need to find the right shade of paint and hire a painter.]

10.Might as well make it an even 10. Get back into taking lots of pictures and scrapbooking. Now that i have a cricut, i have nothing to do with it! [Took lots of pictures, but haven’t been able to scrapbook much. It really has been a very busy year for me.]

All in all, i’m pleased with the progress i’ve made on my list of goals. It’s not like i was a total loser. I tried. And succeeded, mostly.

Since New Year’s is only a day away, it’s only fitting to write up a list of GOALS for 2012.

  1. Lose 20-30 more lbs.
  2. Get pregnant
  3. Establish a Rainy Day fund to cover Goal #2 expenses
  4. Paint & Decorate house
  5. Pay off my car

That’s it. That’s all i really care to accomplish in 2012. All i really want is to have a family with the love of my life. All other goals are simply pre-requisites to the ultimate goal: children.

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Why not?

I like to check our checking accounts online daily. My hubby is not always prompt to give me the day’s receipts for me to put in the check register. Since we don’t use credit cards anymore, we use the debit/credit card connected to the checking account. I would like to go on record though for my ingenious solution to hubby’s overspending. We have two checking accounts. One to pay the bills, this is where our paychecks are deposited. And another one for business use. We each have a card to only one account.

So, anyway, I’m checking our accounts online the other day and i see that the business account is severely overdrawn. Immediately the hairs on the back of my neck stand up and i can feel the heat rising from my toes to my ears. I WAS P-I-S-S-E-D. I instantly sent a text message to my hubby saying WTF? He calls me and claims he didn’t buy anything for $912, but he’ll call the bank and see what’s going on. A few hours later, he calls me back. Apparently, someone has got a hold of his debit card number and helped themself to a shopping spree. Upon further investigation, we discovered that the charge was an online order to a powersports store about 45 miles from our house. At this point, i cracked up laughing. Why not? We’ve gone through every imaginable tribulation at this point. Why not identity theft? Ha!

Surprisingly, the bank has been very helpful and pro-active in getting this resolved. The next day there was another charge to Circuit City for $688. By now, we’re just rolling in the aisles laughing hysterically. And you know the funniest part? Somehow, these a-holes were able to purchase $1500 worth of stuff on our card. But, if we were to make a deposit today, and needed gas this evening (hoping the fact that the banks were closed would float the transaction until the next day when the deposit is posted) our card would be rejected. Imagine that.

So, as of this morning, the original charges have all been removed from our account, the card has been cancelled, and all that remains is the 7 overdraft charges that we incurred due to the a-holes.

On a good note, hubby is headed to Tennessee this afternoon to retrieve grandpa and bring him home finally! The doctors have given him a clean bill of health, he just needs some intense physical therapy to regain his strength. Praise God!!!