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Thread: 2016 financial resolutions.

  1. #1
    Smart Canuck saundyl's Avatar
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    With the 2016 days away I thought it would be nice to have a 2016 thread like last year's.

    Like with last year we can share resolutions, cheer each other on and offer some accountability.

    You could have 1 resolution or several... it's up to the individual.

    "The possibilities are endless, could be not purchasing that hot beverage in the mornings, saving for a vacation, renovations ------ the sky is the limit and the possibilities are endless as these are individual FINANCIAL Resolutions" as Jasperchar said last year.

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  2. #2
    Smart Canuck saundyl's Avatar
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    My 2016 resolutions are

    1. Stay afloat as much as possible for the 3 to 4 months bf is on medical leave.
    2. Once bf is back to work rebuild my emergency savings and our joint savings.
    3. Try not to rely on credit.
    4. Start a vet bill savings for dragon's recurring yeast infections.
    5. Paint the living room.
    6. Do better with coupons and shopping sales. We got lax with it last year.
    7. Work on Christmas savings account once bf is back to work. And do 52 week savings challenge for it.
    8. Work a new stove into the budget through either "bonuses" from work or income tax. ***may not need if the part bf ordered fixes it.
    9. Work fixing my flex into our budget sooner rather than later.
    10. Clear clutter and either sell it or donate it. Don't buy too much.


    **modified Feb 14 for extra goals.

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    Last edited by saundyl; Sun, Feb 14th, 2016 at 04:53 PM.

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    KAZ2Y5 Chantel's Avatar
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    1. Save all I can for a down payment on a house. I want to be at (hopefully) 20k in my checking account before the end of the year. I'm still living at home so that just means working as much as I can and carrying on saving as much as I can.

    2. Get working on my course to get a new job (and therefore make more money). I want to be done it and applying for jobs before next winter. The goal is not to spend another Christmas in retail.

    3. Be on track with those two things so that I can start actually, seriously house-hunting by 2017. This includes making budgets, plans, figuring out how to house a tenant and knowing my ins and outs of tenancy (I want to have a suite with a tenant in the basement) before getting started.

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    Coupon Princess sheetsofemptycanvas's Avatar
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    subscribing
    saundyl, Ciel, macw1960 and 3 others like this.
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    CaToonie
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    1. Reach $5000 in my emergency fund.

    2. Pay at least $7000 on my student loan.

    3. Pay cash for all 3 trips I am taking this year. (Approx $5500 total)

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    Canadian Genius Crochetlady's Avatar
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    I finally want to finish paying off my CC. It`s been a long 3 years.
    saundyl, Angela273, Ciel and 9 others like this.

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    Coupon Princess sheetsofemptycanvas's Avatar
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    - I really want to do the 52-week challenge to save up for Christmas next year
    - Take a lunch with me to work most days (only eat out once a week)
    - Lower my car insurance in May when my renewal comes up
    - Start a savings account for emergencies
    - Have enough money to pay for our summer cottage rental by March
    Last edited by sheetsofemptycanvas; Tue, Dec 29th, 2015 at 05:30 PM.
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    Smart Canuck saundyl's Avatar
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    Quote Originally Posted by sheetsofemptycanvas View Post
    - I really want to do the 52-week challenge to save up for Christmas next year
    - Take a lunch with me to work most days (only eat out once a week)
    - Lower my car insurance in May when my renewal comes up
    - Start a savings account for emergencies
    - Have enough money to pay for our summer cottage rental by March
    Ive done the 52 week savings challenge and an altered version of it for the same reason. Its an incredible feeling not to be paying off debt after the gifts are given.

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    Coupon Princess sheetsofemptycanvas's Avatar
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    Quote Originally Posted by saundyl View Post
    Ive done the 52 week savings challenge and an altered version of it for the same reason. Its an incredible feeling not to be paying off debt after the gifts are given.

    Sent from my SGH-I747M using Tapatalk
    I paid for everything with cash/debit this year but it still really broke the bank. I'm looking forward to saving for next Christmas
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    Smart Canuck beckie.c's Avatar
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    1. Catch up financially from DH's four months of unpaid sick time in 2015 (by March) - $0 credit card, top up missed savings & RRSP contributions
    2. Knock off the remaining balance on my Student Loan ($5K)
    3. Set aside the cash for the following planned 2016 home maintenance items: garage siding & eaves (spring), upstairs flooring (spring), new bedroom and kitchen window (fall)
    4. Pay cash for our Trip to Europe in September
    5. Take lunch and coffee from home, and utilize the free gym at work more often since I have an hour lunch break.

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    Quote Originally Posted by sheetsofemptycanvas View Post
    - I really want to do the 52-week challenge to save up for Christmas next year
    - Take a lunch with me to work most days (only eat out once a week)
    - Lower my car insurance in May when my renewal comes up
    - Start a savings account for emergencies
    - Have enough money to pay for our summer cottage rental by March
    I put away $100 per month in my "Christmas account". It is building nicely so thinking Hawaii for mama once the kids are done School lol

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    Canadian Genius
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    Quote Originally Posted by beckie.c View Post
    1. Catch up financially from DH's four months of unpaid sick time in 2015 (by March) - $0 credit card, top up missed savings & RRSP contributions
    2. Knock off the remaining balance on my Student Loan ($5K)
    3. Set aside the cash for the following planned 2016 home maintenance items: garage siding & eaves (spring), upstairs flooring (spring), new bedroom and kitchen window (fall)
    4. Pay cash for our Trip to Europe in September
    5. Take lunch and coffee from home, and utilize the free gym at work more often since I have an hour lunch break.
    #5 for me too. Eating lunch at my desk and going to the gym means no shopping during the week

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    Smart Canuck lilo0003's Avatar
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    I was inspired by the 2015 thread and followed along so this year I will share our goals for 2016. Some are big, some are little but the little all adds up.
    The little-
    Reduce my lunch/coffee purchases. I work in the city half the time and I am often too lazy to pack & carry my lunch in on the train(pathetic). I know that I will never get to zero but even a reduction would be good. My team helped in this regard as they have me a sizable gift card for Starbucks so it will be spring before I spend it all.
    Use kijiji for both buy and sell. I am terrible about just donating things that I could have sold but I find it such a hassle.
    The big-
    Save enough money to buy DH a newer car, we have a chunk saved already but I would like to be able to buy the newest car possible.
    Max out the TFSA- the amount returns to 5500.00 for 2016 so an easier number to manage.
    The really big-
    Increase our net worth by 20% (easier for us as we are mortgage free), but I want to scale back my work in the next 2 years so we really have to dig in now to do that.
    Last edited by lilo0003; Wed, Dec 30th, 2015 at 04:02 PM.
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    3 trips eh...are they a must, and where to?

    Quote Originally Posted by monkeydoodle View Post
    1. Reach $5000 in my emergency fund.

    2. Pay at least $7000 on my student loan.

    3. Pay cash for all 3 trips I am taking this year. (Approx $5500 total)
    Angela273, Ciel and macw1960 like this.

  15. #15
    CaToonie
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    Quote Originally Posted by beachdown View Post
    3 trips eh...are they a must, and where to?
    Two smaller trips within Ontario and a bigger one to British Columbia.
    Angela273, Ciel, macw1960 and 1 others like this.

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