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Thread: New Years Financial Resolution (post your resolution & updates)

  1. #166
    Canadian Guru jasperandchar's Avatar
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    Quote Originally Posted by coupon girl View Post
    -I am pretty pleased with 2015 financially too -we were able to rent a cottage in july ,finish our deck which took hubby 3 months to do by himself and we just bought a new garage door which will be paid in full next month on visa
    -also to be able to have xmas paid in full on dec 25/125 is just awesome -and this is with only one working in the household -planning is the key sometimes my friends ,being diligent about saving any extra money( we went down to one car) and all the little things in life like coupons ,price matching and all the points programs really do help
    you did awesome this year @coupon girl
    2019 is the year that we continue to save before we buy!!!

  2. #167
    Canadian Guru macw1960's Avatar
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    Everything is on track here too but there will be a few changes for next year. Some inside changes on the house need to be done. CC's are all paid in full, Christmas is paid for, extra money in the bank and I still have a few GC's left. So all and all feeling pretty good about 2015.


    Forgot that DH received a raise 2 days ago also.
    Last edited by macw1960; Wed, Dec 23rd, 2015 at 07:42 AM.





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  3. #168
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    2015 New Years Resolutions:

    1) Do not incur any new debt
    So far so good. Paid for all my tuition and textbooks in cash (well on pc mc for points and then paid off lol) and paid for replacing our evestroughs out of the emergency fund. My SUV needed over $1000 in repairs so we kept it off the road for 3-4 months and saved to pay the bill in full.

    There are still 2 bills we haven't paid yet because we haven't received the invoices yet: Replaced 2 windows in the house (unplanned but necessary as clips broke and one of the windows fell out) and the bill for repairing the trailer roof (found out it was leaking at the end of camping season). Between the rest of the $$ in the emergency fund and the $$ in vehicle repair fund there should be enough there to cover both bills.


    2) Stick to budget for all categories Had to increase the grocery budget to $700 but otherwise all was good since we were able to lower the gas budget because prices have been so cheap

    3) Continue to fund accounts for various expenses: car repairs, vet bills, vacations, sports for girls. Going to continue this in 2016 as it seems to be working for us I'm thinking of adding a Christmas account too for next year.

    4) Start saving 15% of my daycare income every month for 2015 income tax and CPP $2296.15 saved in my TFSA (hopefully it's enough lol) and $900 in an RRSP.

    5) Pay aggressively down on LOC $7,371.53 paid down from Jan to now. Still need to make Dec's payment next week.

    6) Try to renew mortgage early in May (when 6 months are left) and get a better interest rate. Renewed in April (variable rate now 2.05%) saving us approx $200-$300 per month in interest

    Merry Christmas everyone and Happy New Year's!!!
    Last edited by bobbiegirl2010; Wed, Dec 23rd, 2015 at 07:54 AM.

  4. #169
    Smart Canuck saundyl's Avatar
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    Quote Originally Posted by saundyl View Post
    -pay off the last 6000 on my business loan.
    -put the 1000 into my rrsp
    -no new debt
    -do the 52 week savings challenge again for Christmas money.
    I did the first one...and the last one as well the rrsp ended up being $600 deposited for the year.

    No new debt....well i bought a car.

    Sent from my SGH-I747M using Tapatalk
    macw1960 and bobbiegirl2010 like this.

  5. #170
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    2015 Was a pretty good year for me and hoping 2016 will be good too. We plan on starting the year off being extra frugal so will be a great start to our year.
    macw1960 and bobbiegirl2010 like this.

  6. #171
    Coupon Princess sheetsofemptycanvas's Avatar
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    I'm going to be doing the 52 week challenge to save up some Christmas money for next year... it was way too stressful and way to expensive this year.
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  7. #172
    Canadian Guru jasperandchar's Avatar
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    Quote Originally Posted by macw1960 View Post
    Everything is on track here too but there will be a few changes for next year. Some inside changes on the house need to be done. CC's are all paid in full, Christmas is paid for, extra money in the bank and I still have a few GC's left. So all and all feeling pretty good about 2015.


    Forgot that DH received a raise 2 days ago also.
    So happy for you, great feeling to not have any debt going into the new year
    macw1960 and bobbiegirl2010 like this.
    2019 is the year that we continue to save before we buy!!!

  8. #173
    Canadian Guru jasperandchar's Avatar
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    Anyone want to share their 2016 Financial resolutions?
    macw1960 likes this.
    2019 is the year that we continue to save before we buy!!!

  9. #174
    Canadian Guru jasperandchar's Avatar
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    My 2016 Financial resolutions

    1. Save for items that need to be replaced (dinning room window and dehumidifier).

    2. Start and finish powder room downstairs not incurring any debt.

    3. Continue paper copy of monthly budget and use electronic google sheets as a ongoing rescource to update expenses as they are spent. Google spreadsheets are free (budget forms for monthly, annual or create your own etc).

    4. Save up PC points, sdm points, swagbucks etc for Christmas gifts, it worked out extremely well this year saving us $1200 which otherwise would have been out of pocket.

    5. Put all of dh's pay in a vehicle maintenance account until we are caught up on repairs (shocks $500, tune-up $250., body work $2000).
    2019 is the year that we continue to save before we buy!!!

  10. #175
    Smart Canuck saundyl's Avatar
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    Eeep I started a thread for 2016!

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