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  1. #21
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    Jan 2011
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    The plan is to use the Snowball Debt Plan. It's where you line up your bills smallest to largest and start paying off with the smallest. Then when you finish paying that off you take that payment and apply it to the next bill + that payments bill. If that doesn't make any sense just let me know. You can google the plan and it will provided a better explanation.

    I think this is the book if I am not mistaken,
    The Total Money Makeover: A Proven Plan for Financial Fitness


    [QUOTE=Phunkiesmallz;2385646]
    Quote Originally Posted by KinkyandFabulous View Post
    I know that's right. I am definitely putting this on my priority list. I want to work on getting my own hustle that I can do from home and make a living off of. I know that I want it to be in the Holistic Industry but I just don't know what to do yet. Work in Progress!!

    Financial goals for next year are...get back on our dave ramsey debt free plan.

    Hey KinkyandFabulous, what is this plan? I know he has a book also, do you know the title of it? Thanks!

    @Dovechild: Cyber hugs! it is well
    Common Sense is a Rare Disease and I am so glad that I was born with this unique disorder and wouldn't accept a cure if it was offered.

  2. #22
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    My husband and I started this plan in the beginning of this year. It worked out really well and we got a few bills paid off.

    We had to prepare for our wedding in October so everything stopped. So, we will start it back up in Jan. We are also going to start saving for our emergency fund as well.

    I will have a more detailed plan mapped out by the end of December.

    Good look to you ladies!
    Common Sense is a Rare Disease and I am so glad that I was born with this unique disorder and wouldn't accept a cure if it was offered.

  3. #23
    Join Date
    Sep 2005
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    Magic City
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    Next year I plan to:

    Pay off my credit card!

    Raise my credit score/clean up my credit report!

    Save, save, save (got a baby on the way)!

  4. #24
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    Congrats on the baby!!! Exciting times...

    Quote Originally Posted by ImaniMama View Post
    Next year I plan to:

    Pay off my credit card!

    Raise my credit score/clean up my credit report!

    Save, save, save (got a baby on the way)!
    Common Sense is a Rare Disease and I am so glad that I was born with this unique disorder and wouldn't accept a cure if it was offered.

  5. #25
    Join Date
    Dec 2010
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    Austin, TX
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    Thank you, MzCuteBrownLeo. I do have a side gig that im eyeing that i can do, it takes footwork, but i know i can (and really NEED to) do it. Ive just been so down on our situation, i havent pursued it (kinda hard to do footwork, when you are making sure you have enough gas money to get to work everyday). But no more pity parties, its [been] time for action

    Thank you, Phunkiesmallz
    First set of locks: Sept. 14, 1999 - April 22, 2011
    Current set of locks: newly under way

    Thank you Pank fairy for Panking me!!! Blessings to you! XOXOXO

  6. #26
    Join Date
    Dec 2010
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    Concrete Jungle ...
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    Quote Originally Posted by Dovechild20 View Post
    My goals for 2011 are:

    Increase my credit score (already working on this)

    pay OFF our credit cards (around 3K but with me being the sole income of the house - hubby out of work all year(w/o unemployment and all last year- this is WAY easier said than done)

    become current on our car note (sigh, yes, we are a month behind as of now)

    generate SOME kind of side income to pay for all this and to pay off our back taxes (yea, we owe Uncle Sam too )

    I feel like every year i post in this thread, my financial situation gets worse, so I was a little hesitant to post in here, but i really pray it doesnt get worse than this (we would be out on the street, seriously, 2010 has been a ROUGH year for us).

    2011 HAS to be better.
    Prayers to you and hang in there. Don't be afraid to post; we're here to help each other.

    Quote Originally Posted by ImaniMama View Post
    Next year I plan to:

    Save, save, save (got a baby on the way)!
    Congrats on the baby!!!!!
    Always be a first-rate version of yourself, instead of a second-rate version of somebody else.
    ~Judy Garland~
    Back to Loose Hair: March 2013
    My DreadLoc Story: Updates 9.22.2010




  7. #27
    Join Date
    Jan 2011
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    1.) Pay off credit cards.
    2.) Save enough to move into my own place.
    3.) Create an emergency fund.

    I have a fulltime job and started 2 businesses this year, this should be doable.
    [url=http://thebohobeauty.blogspot.com/]My Blog: The Boho Beauty[/url]
    [url=http://http://www.youtube.com/thebohobeauty/]The Boho Beauty on Youtube[/url]

    I will praise thee; for I am fearfully and wonderfully made: marvellous are thy works; and that my soul knoweth right well. (Psalm 139:14)

  8. #28
    Join Date
    May 2004
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    PA
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    SAVE! SAVE! SAVE! I also plan to start school! Very excited!

  9. #29
    Join Date
    Feb 2011
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    Atlanta,Georgia
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    Goodluck everyone on their goals.

    My plans are to pay off my car and work to have more in emergency savings. Also I need to up my 401k percentage. I have a few other goals too but those are most important right now.

  10. #30
    Join Date
    Dec 2010
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    My mind
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    2011 Goals
    1) Find extra income
    2) open roth IRA
    3) contribute at least 2k to Roth
    4) Stick to budget using mint.com

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