Personal New Year’s Resolution
I have finally developed the New Year’s resolution for my home: less screen time. There are so many mornings or evenings when my husband and I spend our time together absorbed in mindless scrolling, watching, and video-game playing. With the crappy weather here, we are spending less time together outside and more time on the couch. Many days we are indeed sitting beside each other, but that is about it. I am likely scrolling through Facebook or Pinterest on my phone and he is probably playing video games, or we are just watching a TV show together. We are absolutely not spending quality time together.
I am going to try suggesting other things we can do together to make the most of our time. With a baby on the way (4 more months!), I know we will not get much more quiet, alone time together so I want to soak up as much of that as possible. Also, once the baby does come, I do not want us spending our few precious moments together as a family by sitting on the couch watching TV and staring at our phones. We should be staring at our beautiful baby and talking about how amazing she is, right?
I encourage all of you: the next time you are sitting on the couch with your significant other and you are both lost in the technology world, shut it all off and find something fun to do together. Play a board game and actually talk to each other. A little healthy competition never hurt anyone.
Financial New Year’s Resolution/Goals
I actually have had a harder time formulating a financial goal for this new year. Last year we were able to accomplish our goal of paying off our credit cards, tractor, tires, and Brody’s surgery, leaving us with a lot less debt payments every month.
By the end of this year, we want to be able to start the process of building our home. This will include starting the paperwork to get approved for a loan, selecting a contractor and a floor plan for the home, and digging the well. Financially, this means we need to be able to pay for the well out of pocket (approximately $10,000!). Then, we plan on putting the other services (electric, plumbing) on the loan.
How are we going to accomplish this?
My husband got hired back underground as a coal miner and I am still working full-time as a registered nurse. We have a paycheck coming in every week. Once I pay the bills due for the current week and one week in advance, put a set amount into a “baby savings account” and another set amount into an “emergency fund” the rest of the money is going right into savings, with the exception of some for groceries, gas, etc (we typically leave at least $200 in there at all times).
If we can put at least $1000 into saving each month, we will have enough for the well, but unfortunately we will not have enough for a down payment on a home loan. This means we need to try and add more to savings every month (which I think we can do easily) and we need to be as frugal as possible, which is going to be hard with a baby coming! (If anyone has any tips, let me know!)
What are your resolutions and financial goals for 2017??