What are your financial goals for 2011?

Because i'm nosey

Mine:
*To not touch the slowly increasing savings accounts (i have two that get $10 a week, one for travel and one for baby when he is grown)
*Gather NO MORE debt - no credit cards, no overdrafts, no personal loans, no borrowing $$s

Bonus goal would be to pay off my final debt, i have 66 weeks worth of minimum payments left to make, i can probably better that and start 2012 debt free.

Save 10K before we move home at the end of the year.

lol I need it. I want a reduction. I can get it on medical grounds since I'm gignormous so hopefully we won't have to pay for it all and insurance will cover some but we are gonna save up the full cost anyway just in case.

My first one is to do a PnS xmas club & will start that with my fist shop next week. Will put in $20 a fortnight & will put in $5 every time I make an extra trip, so hopefully I will cut down my trips in & have a good amount saved for xmas.

Put more money into Bonus Bonds, want a holiday & new car. Want to save at least 5-10% a pay.

To put DH's O/T & on-call straight into savings.

Set up auto fortnightly bill payments & pay a bit extra.

Do a money tin for school & kindy stuff, like trips & the never ending fund raising.

Set up kiwisaver for the kids & saving accounts with auto payments.

Not going to use my car as much will do more walking.

Not spending for the sake of it & not buying so much for stuff for the kids they don't need.

Big one for me...is not to spend 1cent in the dairy up the road, can not stand the mad women in there so don't want to support them with our hard earned money...so no more ice blocks after school, will make yummy ones at home & no more crap last minute food for the kids lunch boxes.

to pay off my overdraft ($1800 interest free) - or atleast reduce it to $500.

to save as much money as I can by depositing it into her bank account that she opened for me (so when i want to spend it she has to transfer it back and it takes 2 working days as its PSIS to BNZ)

to use my car (if i get a new one as mine was written off) less and to bike/walk more to save $ on petrol

I am going to start saving for a deposit so in the next 3 - 4 years I can buy a little place for me and DS in a good area with good schools. I have good family support at the moment with childcare, so need to make the most of it before he starts school and I will be working less. So this year my plan is to......

- Pay off my 2 x HPs by July (About $2k)
- Save the first $20k towards our house deposit - this will requires some SERIOUS budgeting and self control on my part, which I currently do not have!
- Stop being lazy and make my lunch every day im at work.
- Catch the train to work instead of paying $$ for petrol and parking

Save save save as much as possible in preparation for coming home this year in August so we can buy a house back home.

Those interest free overdrafs suck the fat one. I got one on my first day of uni when the helpful man from the bank popped up and said i could have 2k in my bank account within 2 hours if i wanted. AND they'd increase it by a grand every year i studied....i graduated with a $4500 overdraft. And its only interest free for one year after you graduate. I ended up getting mine switched to a loan as the interest was less.

Eeeeek! Bowie, same thing happened to my DP and they roped him into a CC as well that was interest free for the first 6 months (that sold him)!

But for me personally I have stayed away from credit cards - I had an experience when I was 17, my mum let me 'borrow' hers when I went overseas! Bad mistake! I hadn't even left NZ and I had spent $400 at AKL Airport! And spent about 5k in a month... - so I am put right off! Luckily she only made me pay back half!

You ladies both have it well under control then. The stupid thing is i have nothing to show for that money, god only knows where its gone. On shoes, i expect.

Being super careful now - its very important to me that bubs doesnt miss out because i'm crap at budgets.