Here we go again! I am just working on the 2019 budget, updating the sections which have the one-offs- many aspects stay the same, but I found it very valuable this year to have placeholders for things like proposed trips, snow tires, animal expenses etc.
Financial Goals for 2019:
-Car Fund: Get serious about this...if we are going to buy the Hyundai Kona electric in 2 years or so, I want to have a good chunk saved- I'm going to save the money our friend is paying us back, and figure out an amount to save also, but I'd like to have say 1/3 to put down, so next year when the first models come out, will get an idea of around how much that will be, but I'd say have 5K by the end of next year.
-get DD's RESP (Canada's equivalent to education savings plan) started- she's 2 now and we haven't got this going for no reason other than just not getting to it. Initial deposit of 1.5K is ready and get a direct deposit going.
-Replace the dining room furniture- we are using the table, chairs and hutch that I grew up with, I really want to get some nicer stuff.
-one big trip (short listed are WDW, Kentucky, or a cruise of some sort) and 1-2 small trips (short listed are Vegas,
Disneyland, Palm Springs)
---use aeroplan for the big one
Personal:
-Get the last 15 pounds off- I'm so much happier now that I've lost the weight that I have, and feeling more like myself, but still got more to go.
-Participate in 2-3 riding clinics- although the craziness of working full time and a 2 year old doesn't allow me to have a horse in full training, I did get out for lots of riding this year and did one clinic in the fall which I loved, there are 3 scheduled for next year and I want to do them.