Last year I didn't even bother with making a new year's resolution. Every year it's about losing weight and going to the gym and it kind of takes away from my motivation knowing every year I said I was gonna and every year I fail. But this year is gonna be different!
This year John and I are making financial resolutions. Our finances are a total mess. We are really blessed to have good jobs, but it seems like the more money you make the less you care about saving money, which is crazy!
When we were first married and totally broke I was super conservative in my spending and I shopped sales and used coupons religiously. I have gotten so lazy! Because I can afford to pay full price I just started doing it. It makes me crazy to think of how much money I have been wasting.
The second thing is our debt has gotten out of control. Between student loans, buying a house, and getting ready to buy a new car. I am getting overwhelmed at the numbers. The easiest thing for me to do is to start eliminating our credit card debt. We have a pretty low interest rate and we have just been carrying it around forever. Why??? It's so dumb. We are just throwing money out the window.
I'm working on our game plan right now so keep an eye out for our specific changes that we are making. Keep in mind I am not a naturally frugal person, I'm a terrible saver, and I am always struggling to not become a shopaholic so lots of this stuff may seem basic to you, but we are going back to basics here!