About Me

njdebbie

I'm 38 years old, married with two sons, 14 and 18 years old. My husband and I do not have credit card debt or student loans. Our long term goal is to put away as much money as we can towards our retirement.

2008 GOALS:

Save 30% of family income from September through June.

>>Open a Roth IRA-(opened April 20th) $450.00/$5,000

>>Increase contributions to 403B
(Done) $125.00 to $145.00 (biweekly)

>> Open a Roth IRA for hubby.

>> Lose weight (50 lbs)
(0/50)

$$$$ DEBTS TO PAY $$$$

2008 GMC Canyon (truck)
(Hubby's 1993 had to be junked)
Terms: 0%/72 months
Purchased in July 2008
Balance: $27,988.91

Son's Fall/2008 College Tuition:
$1725.00 + textbooks. (Paid)

NO CREDIT CARD DEBT

What motivates you?

April 21st, 2008 at 12:32 pm

When my sons were little I had to borrow $50.00 from my parents because we were so broke. I was so ashamed and humiliated that I promised myself that I would never ask anyone from my family or friends to lend me money again. We've come a long way since that time and worked hard to give our children a good life without spoiling them rotten. What keeps you motivated?

Posted in Uncategorized | 6 Comments »

6 Responses to “What motivates you?”

compulsive debtor Says:
April 21st, 2008 at 01:00 pm

Don't stone me, but what motivates me is private school -- or more specifically, my desire to put Mini Me in a private school for kids with learning "differences." If not for my debt, we could easily afford it. So I'm obsessed with paying it off now.
rduell Says:
April 21st, 2008 at 01:01 pm

I'm tired of the feeling that there's never enough money. It seems like no matter how much we make, it's always gone before the paycheck even gets in our hands.
Ima saver Says:
April 21st, 2008 at 02:43 pm

We were so poor when I was a kid and my mother was alwasy so worried about paying the bills. What motivates me is NOT to become a bag lady!!
Broken Arrow Says:
April 21st, 2008 at 02:57 pm

Yeah, being poor motivated me too. Who am I kidding. I'm still poor, but that's why I'm still motivated.
Petunia Says:
April 21st, 2008 at 09:15 pm

Watching aging parents and their friends and realizing that we'll be there one day - and that day is not that far away.
baselle Says:
April 22nd, 2008 at 08:15 pm

A good night's sleep. You never get any when you are in debt.

NJDebbie's Personal Finance Blog

DOING EVERYTHING I CAN TO NOT LIVE PAYCHECK TO PAYCHECK.

What motivates you?

6 Responses to “What motivates you?”

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