I will be going into super saver mode this year. I've picked up so many tips along the way, and I've been applying a bunch of them, but sometimes I slack off and get lazy. Here are the goals I've come up with for the upcoming year.
1. Pay off my mom and dad. I owe my parents $592. I'm not even sure what it's for...but it's going to be the first priority this year.
2. Continue saving 10% of my net paycheck each week to put towards a new car. My car is 12 years old, but I know I can make it last until I save up enough money to pay for a new one with cash.
3. Earn $1000 in "extra money" (and gift cards). I participate in a bunch of rewards programs, so I'm hoping between those, mail in rebates, selling unwanted items on ebay/craigslist, credit card rewards, mystery shopping and taking surveys I can rake in $1000 in extra cash and gift cards.
4. No spending money on clothing or shoes for myself. This will be a tough one, but I did an inventory of my closets and drawers and I have more than enough clothing. I am most likely getting a promotion at work in a few weeks. This will require a completely new set of uniforms, however, my agency will provide me with a purchase order that should cover the expense of all of my new uniforms and equipment. So while there will be some new clothing coming into my home, it won't be paid for by me.
5. Continue trying to make the majority of my meals at home. Treating myself to take out when I work a double shift seems to be a good compromise.
So that's it for the year. Clothing and eating out are where most of my discretionary money gets spent, so hopefully that will help out big time. What are your 2013 goals?