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2012 Review

December 26th, 2012 at 07:45 pm

So as New Years approaches I am reviewing my goals for 2012 and 2013

2012
- I defended my proposal and advanced to candidacy
- We decided to put off buying a car even longer, though we have the money set aside. I am pretty sure I want a 2008 Honda CRV EX.
- DH received his second APLE payment. He should qualify for a third depending on how long he stays in his job in 2013.
- We did not fund my husbands Roth IRA, but we are adding to his 401k to get his company match.

2013
- We are on track to finish our down payment by April.
- I will probably finish my Dissertation in March. My first draft should be finished by January 7.
- I have been networking and applying in earnest the past month. I hope to continue between writing drafts. I really, really don't want to graduate without a job.
- We will continue to fund my husbands 401k as long as he works this job. Once that ends, we will have to reassess where we are putting out retirement contributions, but they should make it up to 15% once we both have a job.
- We will have enough money saved to pay off my high interest loans by April, though I'm not entirely sure when they will be coming due.

We have had a few financial setbacks in this last quarter with major medical bills and my funding running out for summer. I had to lower our savings rate from 35% to 30% due to increased expenses. We are also paying for child care now, and I really need to figure out how to budget for that. I was hoping we could pay for it out of my husband's bonus but that went to covering my lack of work. I will start to sell some of our things in preparation for moving after the New Year.

1 Responses to “2012 Review”

  1. Jerry Says:

    Good luck with that dissertation, nice going! I will be doing some serious data gathering for mine in the first 4 months of 2013. Cannot wait to get that stage over with, it will lead to a huge relief. I think that's wise about putting off the car purchase. It isn't just the cost of the car, it's also the fuel, insurance, tags, and all of that as well.
    Jerry

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