Onward to 2013!
Happy New Year! I’m ready! Are you? Do I seem excited? Cuz I’m a little excited. Fresh start. Fresh goals. Big changes ahead. The time has come to prepare. Not that I haven’t been preparing, but now we are talking Prepare. Capitol P. Asses in gear. Making things happen. T-Rex style.
Without the debilitating stubby arms. To the best of my somewhat lessened ability. Not stubby arm lessened, but a lower gear all the same.
These are going to be focused on first half of 2013. Why? Because the big, huge, monstrous over-arching goal of 2013: Have a happy, healthy baby.
I could stop right there. Maybe I should. That seems like more than enough. But, happy, healthy babies need things. Not just material things, intangible things. A stable life. Parent(s) who can stay home to take care of said baby. Health insurance sure would be swell too. Those types of things require prior proper planning. And some little goals. Little goals to feed the big goal…and the baby.
Add 5k to long term savings. This isn’t about the baby so much as it is growing our over all security. This type of savings will take a backseat in the 2nd part of the year. I’d like to give it a respectable bump before everything goes to hell (in the most positive meaning of the phrase).
Add 5k to Vet Savings. Part of my plan to not marginalize my dogs, despite big changes, I do have some logic here. The grand total will be $1,000 per dog, which is one medium emergency or a couple bigger emergencies. This is all about hedging my bets, and its still going to be cheaper than paying monthly for Pet Insurance, then hoping for reimbursement.
Add $2200 to Car Savings. If all goes well this will be money to use ‘someday’. In the mean time, it will cover our asses should anything go horribly wrong with The Husband’s vehicle.
Up 401k contribution. Since I’m planning to be unemployed for an undetermined chunk of 2013, I won’t have a full year to make 401k contributions. I came pretty close to maxing it out this year. I’d like to put a sizable dent in it before my departure. I’ve set my contributions to increase by 2% as of January 1. I’ll do that again, at least once.
A note on these goals: They are aggressive. I’m basically trying to save for a whole year in 6 months. It’s a daunting task and is going to require some single minded focus-y focus. All the automated deductions for savings is going to take a sizable chunk out of my paycheck. My response? Good. I want our income to feel smaller, a lot smaller, now while the flexibility is there to make adjustments. This is our prolonged fire drill while the fire is still smoldering.
Make Roth IRA contributions. Hey, look! A second half of the year goal! Life will go on after the ‘blessed event’. While my employer won’t be making 401k contributions, that doesn’t prevent me from throwing meager amount of money at retirement on my own. I’ve opened the Roth in preparation for this. Once the baby is here I’ll switch gears and redirect a little money that way.
Targeted Spending. In addition to all this saving, we need to procure a few big ticket items and projects. Projects and items which are going to require an outlay of cash, once again, before this kid shows up. We aren’t just talking nursery either. For some reason the nursery doesn’t concern me all that much. (I don’t imagine the baby actually caring). No its, vacuum cleaners, and tub refinishing. Putting in a little carpet (for dogs and baby really), and replacing couches. These are the things I want to get knocked out to make everyone’s life a little more comfortable. Fake budget in effect. I think that combined with a schedule for these purchases is going to make all things (or most) possible.
Fitness goals. Many moms may find this hilarious, but I’m putting it out there all the same. It’s not very specific at the moment, more along the lines of ‘Don’t neglect yourself’. Now or later. My exercise schedule has suffered with this pregnancy. From a complete lack of energy, and from not knowing where my new (much lower) limits are. Still, I am working to maintain 3 workouts a week. I’d like to continue that after the baby, increasing it (once I get the all clear,) back to 4 or 5. This is going to require commitment and some negotiations with The Husband for time. Maybe its overly ambitious, but even if I’m not showering, I’d like to be running. I’d like to be lifting weights. It keeps me sane and life in perspective. I’ll take that over being smelly.
There she is. My 2013. Save. Spend. Run. And have a baby. Super simple, right?
What about you? What’s in the works for 2013?