I really hate budgets for some reason. One we never meet them or we just blow them off and two they are just a pain in the butt. I know I need to work on one to track our spending better, but I just dread taking the time to go through everything. Anyone have any ideas or comments. I'd like an easy budget and something that we would be able to not only keep up with, but would be willing to continue using.
Here is an update on where we are with our goals and with our debt.
1) Get out of debt. We are still working on this one, but at least we have consolidated all of our credit cards.
2) We are investing for retirement.
3) I am continuing my education college and investing.
4) We've had a baby.
5) We've remodeled our kitchen.
Our five year goals are still to get out of debt, buy a new house, rent or sell the current one, fix up our yard, get fit & lose weight. So we are halfway there and it has only been a year. I guess it's time to rethink or redo our five year plan, so we can stay on track of things.
I was looking over some notes that I have and found this and thought that it would make a good post again. I don't remember what book I got it from or which seminar I heard it from, but I give props out to whoever came up with it.
1) Examine your identity.
2) Define your Values.
3) Establish goals and create sub goals.
4) Create and action plan.
5) Implement various motivations.
6) Establish Discipline.
7) Maintain Flexibility.
8) Reach an outcome.
I feel that it is good to get refocused on your goals so that you stay on track. This is one way to keep on track or to actually get on track. If I remember where I got this from I will list the author so that you can check it out.
It seems that we have gone back to our old habit of eating out a lot, which is eating up a lot of our income. We had been doing pretty well with buying groceries and cooking at home, but it all starts to become a pain in the butt. Besides junk food is so much easier to get and jacks up your fat intake and your body weight. Anyway it looks like we are going to have to get strict with ourselves and start making meals at home again. Back to the fun of home cooking.
