I read once, If you fail to plan, you plan to fail, it's really stuck with me. Maybe because I'm such a planner. I love planning things and making lists and setting goals. When I first started homeschooling every year I would sit down and make out a detailed plan for each kids curriculum. I would spend hours looking through homeschool magazines and catalogs until I had the perfect plan in place. I've made school goals, parenting goals, and goals for my marriage. But I really don't ever remember sitting down and making any financial goals. No goals for retirement. Not anything beyond pay the bills the best we can and maybe some short range stuff like repair the roof or save money for a vacation. Wow! No wonder my finances are a wreck! Well, no more we now have our goals firmly in place:
- First get out of debt! Pay off as many bills as we can.
- Get our credit in better shape.It's not horrible but it could be better.
- Cash on the barrel. (don't buy on credit).
- Start saving money.
- Live below our means, we would like to eventually get where we live on 70% of our income. The other 30% would be for giving and saving.
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