2012 Goals

We are ready to take our finances to a new level in 2012!

Brian got some money for school and we are planning on using our tax refund in a big way.  Our goal for this spring is to use our tax refund and Brian's school money for 2 home projects that we have been planning for a while. 

1. New Countertops - we assume that the countertops in our house are the original from when the house was built.  They are an almond solid surface color that has been chipped, cracked and most agrivatingly, stains all the time.  You cannot even let a drop of jelly stay on the counter before it blends into the countertop.  We know that it was high time to buy new countertops.  We were originally going to install a patio in the backyard this year but since we use countertops 365 days a year and we believe it will be a better selling point one day, we have decided to go with the countertops.

2. Carpet - we have tossed around the idea of getting carpet since we bought the house.  We decided to stick with the hardwoods for a while and would buy rugs to suffice.  Well, once we started researching rug prices, we decided that carpet would be the most practical solution.  Plus, I am super happy that my feet will constantly be under carpet and not frantically searching for my slippers every morning.  In thinking of the future, my babies will be able to play around and crawl on the floor without hurting their precious knees and me worrying about every fall they take.

3. Pay $2000 towards our Credit #1. With our usual monthly payments, this will eliminate our Credit #1 debt.  By March, we should be putting our money towards Credit #2 which should be paid off by February 2013.

 I would say eliminating our two main credit cards is a HUGE step of progress for the year.  Once these debts are paid off, we can work with gazelle intensity to pay off our cars.  I cannot wait to be debt free!