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061030- 2006 goal update

October 30th, 2006 at 02:41 pm

1. keep better track of my spending- I have been very good at writing down EVERY expense this month! Yay me!...I have also done better at staying on budget! (right now, I’m overbudget by $6 – I can live with that!- and, today and tomorrow should be no-spend days!)

4. continue to lower my overall debt - I started Jan 05 with ~$17K (out of which ~$4K were for a loan and the rest -~$13K!-pure cc debt) and, am starting Jan 06 with $~11K (with ~$8K for a loan and ~$3K in cc debt)... expect to be able to end Dec '06 with ~$7K, which I expect to be purely for the loan... to come partly from the English classes/$20 challenge. ...current situation is: $13.4K total: ~$8K (refinanced) loan, ~$2.7K car loan, ~$799 personal loan, $1.5K other personal loan… Phone bill is $400...a work in progress...another one that won’t get taken off the list! ..some days it feels as if I’m not progressing with this, so it’s good to see how things are going…

5. Help Ale find a way to earn those $3 she's missing to open her account with HER OWN money...didn´t open the piggy bank in October, either…Ale has only been able to save about $0.25 for the whole month out of her $2/week…I guess I have to work harder to try to make her understand that it’s not a matter of spending the $2, no matter what, but of trying to save as much as possible!

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