2010 Goals

Money Economics

Since I have already shared some blogging goals with you, I want to get into the *meat* of my 2010 Goals on everything else. They are very similar to last year and I'm excited about this year and finally getting a few marked off the list!


This one is simple. We have consumer debt still. Consumer debt will be gone by March, 2010. What are we going to do specifically…

:: Eat from the Pantry

Specific to these goals, we are eating from our pantry this month. I planned using the recipes I have found throughout the year and entered in my Virtual Recipe Box. Paul said he wanted potato soup this week. I told him I'd make him some instead of buying it. I did have to buy the potatoes though since we rarely have those on hand (they grow ears really fast in our house). So, I'll be trying a new recipe that *hopefully* he will like :)

I am going to be more conscious of using our pantry items through this year too. While I do intend to stockpile on the necessities for our family, I will also be challenging my own processes and thinking. I'm even going to make the boys' birthday cakes again this year! I really did enjoy doing it (after the stress of getting it done was over).

:: Cut current grocery budget by 50%

I realized last year that I was shopping every few weeks, rather than weekly. I know that shopping weekly to hit all the deals is a great way to save even more. But, when I shopped every few weeks I would end up spending the weekly budget and maybe a little more. Seeing that I was doing that made me realize I needed to reduce the grocery budget.

Andon is still in diapers and drinks formula (milk allergies stink). I can at least get diapers at the drugstores while they are available with a reward. But, I can't really save much on the formula since he already drinks an off-brand. He doesn't drink as much since he's older. I am going to try rice milk, I just have yet to find it in the store! But, he is very stubborn so that one will be interesting to see how he reacts to it.

With all of that (why do I always feel like you need all the details :), our new grocery budget is $200 for the entire month. That amount will include everything: Diapers, Formula, Food, Hygiene. We typically eat out once a week so the $200 will cover meals or food for at least 6 full days a week. I will be using my Savings Trackings Files to track all my mad savings this year!

:: Weekly Cash

This year we will be more conscious about using cash for allowance items (lunches, coffee, etc). We will each have our set allowance and have it in cash each week. That way, if Paul wants to buy me a super special secret gift, he can save his allowance and surprise me (HAHAHA). Just kidding :)

Another aspect to this will be the allowance for our boys. We have always given our boys allowance, but never actually gave them the cash each week. We just kept a tally in our head and if they were out and wanted to spend their money, they knew how much they had. We are changing this aspect in that they are getting cash each week and will need to save. I think it will be good for their personal financial management learning too.

:: Cash Only Month

We will be doing another cash only month. We did this twice back in 2008 {gah..I can't believe we didn't do this last year}. It was a great way to really just go without certain things for the month. I don't know for sure what month (or months) it will be, but I will share when it comes around to it in case others want to join in too.


We are going on another Disney Cruise next year. I am going to start a Vacation account just for our Disney trip. The plan is to just have our account auto-deposit funds to the savings account. The goal is to have the entire trip fully funded before we go (and possibly even before we book it – crossing fingers).

We both will need new (to us) vehicles this year. We haven't decided yet what we will purchase as we have a few months to figure that out. We will be saving each month in hopes that we can at least pay the majority in cash for at least one vehicle. We may potentially lease another vehicle even though I know Dave Ramsey despises that (and so do many others). However, if there is a financial benefit to doing that, we're keeping the option open.

Weight Loss/Fitness

Yes, it's still here! But, this year it's going to be gone and then next year will hopefully be about maintenance. I still have 10 pounds to get to my official goal weight. Who knows, when I get there, I may even post my actual weight before and now…and possibly pictures! While it is annoying that I'm not there yet, I look back at the progress I've made and know that 70 pounds isn't too shabby for anyone!

The other huge accomplishment I am going to do is run my first ever Half Marathon. By the time you read this, I will be getting ready for the gym and hitting the treadmill (I don't do running in the cold at all). I am both excited and anxious about this. Excited for obvious reasons – to be able to achieve such a huge endeavor I have wanted to do for a while now. But, I'm anxious because it is a huge endeavor I haven't yet achieved. I guess it wouldn't be worth going for if I wasn't a little nervous, huh?

I will continue to share my Fat Burnin' Friday when I can. That kind of fell off the radar because of time. As I get into my training more and when I have time, I will be sharing with you here.


This is one that I will forever be challenged with. But, I am going to focus more on the domestic side and organization of our home. Part of this includes me managing my time better overall. I find that if I hop online at all before I get my day started, that puts me back an hour, or even more. I'm not going to get online and check email, deals or any social media sites until I have my exercise done, laundry started and a general quick pick-up of the house (at least once…the kids will likely destroy it multiple times as they normally do).

I will still refer to my Household Cleaning Task List as I do weekly cleaning. If you have other ideas or tips in this area, I'm all ears :)


Last year, I joined a virtual book club, Bloom. The first book we read was Crazy Love and I would highly recommend it. I feel like that book was a way for me to look at my relationship with Christ and how I'm not totally crazy as I once was. Don't get me wrong, I (and we) are seeking Him and listening in all things still. Last year just knocked us off course a bit. I am glad to start a new book with the book club called, Same Kind of Different as Me. I've heard it's another fantastic book so if you are interested in joining in, please visit Bloom!

I also was contemplating reading the Bible in 90 days that many of my bloggy buds are doing. But, since I'm reading the above book, I think I may do that when I'm finished. I'm not going to buy the special Bible that breaks up the days. I plan on using my Bible and dividing the pages by 90 and read that many each day.

I am also going to start back again with sharing the song on Saturday. I have gotten out of that and my husband actually noticed. I didn't stop for any particular reason, it was just merely time. I realized when I shared a song I would often look up scripture to reference and it became a quiet time for me.

Of course, part of the Faith part would be about being the wife, mother, friend, daughter, {fill in the blank} that God wants for me. Not my own desires, or others' wishes – whatever God's will is for me. I will, however, choose and allow it to happen.

So, that's what I/we have on the agenda for the year! It's a lot and it kinda isn't. I definitely see my biggest challenge being the domestic stuff (no big shocker there). But, I am going to do it and be glad in it (and all that stuff).

What are you goals this year?

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by Savings Lifestyle: Andrea on January 11, 2010


  • Miriam - January 11, 2010 @ 8:38 am

    I don’t know if it would work for your situation, but Erin ($5 Dinners) has a recipe for Homemade Rice Milk. It’s 100 times cheaper than buying it from the store! I made it once (sooo easy to make!) to make lactose free mashed potatoes. I didnt’ taste it, but the potatoes were great :)

    I loved reading your goals. 70lbs… with only 10 to go! You’re doing great!! After baby is born I want to hit the weight-loss road big time. It will help that my sister is getting married in Aug and I want to look good for that :)

  • rachel-asouthernfairytale - January 11, 2010 @ 9:29 am

    Congrats on 70 pounds already, Andrea! WOW, I didn’t know that!!

    I can’t wait to follow along on your goal getting!

    We are going for debt free.. 80% by March and September.. 100%

    I already do TONS of pantry cooking, so that’s going to be a honing goal for me and we’re going to work on cash only, too.

    Hugs sweet friend! See you soon! xo

  • Anna McMullen - January 11, 2010 @ 9:35 am

    Thank you for sharing your goals with us. Especially your faith goals. It was encouraging. Crazy love is an excellent book.
    Have a great week.

  • Melody - January 11, 2010 @ 10:23 am

    Love your goals, love your blog! You help me out so much!
    We have been leasing cars for over 14 years…and although many people don’t agree with it…I have to tell ya, there’s NO BETTER FEELING IN THE WORLD knowing that you will always have a reliable car, roadside assistance, warranty, etc. I know you never truely “own” anything by leasing, but when I see/hear about all my friends/family having car trouble and pumping hundred/thousands of dollars into their older cars…I am thankful I lease. :) God bless you in 2010…you bless so many with your blog!

    • Andrea Deckard - January 11, 2010 @ 12:26 pm

      Melody, you truly took the thoughts right out of my head! That is really the assurance I like to have in leases. I know that it’ll get fixed and we don’t have to shell out the cash and worry about it. We actually leased our previous vehicle. And, when that lease was finished we decided to not lease another car immediately because our car was paid off. We purchased an older truck to tow our boat. We had that for a year and were able to cut out a lot of debt because not having a car payment, and the convenience of having the lease payment gone was what allowed us to do it. I would love to be able to do that again this year, but squeezing three kiddos in the back of a Camry may not work out the best :) I will try though!

      {I know I just wrote you back a book – sorry!!}

  • Jane - January 11, 2010 @ 10:40 am

    Great Goals! My main goal this year is to be more prepared for the next day. Meaning if I’m going to work, my lunch is packed the night before. If we are going to church, the diaper bag is stocked the night before. This also includes making sure meat is thawed for dinner and doing as much prep work the day before to make getting dinner on the table the next day a whole lot easier.

    P.S. for great homemade cakes, check out the Cake Mix Doctor cookbook from the library. Fast ways to make cake mixes just a bit richer… YUM!

    • Andrea Deckard - January 11, 2010 @ 12:22 pm

      Jane, thank you for that suggestion on cakes. I was going to ask someone a good recipe because I want a great flavor to my cake. Granted, Betty Crocker and other cake mixes are great but I find they’re not as moist. I’ll def check it out. Good luck with 2010!

  • Marianne @TheNewFrugalMom.com - January 11, 2010 @ 2:04 pm

    Loved, loved, loved Crazy Love. Thanks for reminding me to hop back over to Bloom and see what they’re reading right now.

    If you need some company running, I’m on the blue track at o’dark thirty in the morning these days…!


  • Jayme - January 11, 2010 @ 3:10 pm

    Congrats on 70 pounds! I have 40 and a long way to go but you give me hope. I also wanted to thank you for your blog. It has helped me realize that I can save money! Too bad I just found your website in November, but I am looking forward to 2010 now!

  • Jen @ 925frugal.com - January 11, 2010 @ 3:38 pm

    Thanks Andrea, for the inspiration!
    I think my main goal for this year is to get the budget back under control. A crazy year last year filled with GOBS of overtime set me way behind on my budgeting goals. I want to start with a clean slate and start over. I have the budget written, now lets see if I can stick with it since I’m so out of practice HA!

  • Jean - January 11, 2010 @ 3:52 pm

    Thanks for being willing to ‘put it all out there’ for the whole internet world to see. I’m sure that it can be a little intimidating, but good for accountability and hopefully some encouragement as well! You are definitely an encouragement and help to us, so hopefully we will be able to return the favor. :-)

    One question, though: you blogged last summer about church hunting, but you didn’t add that to your 2010 goals – does that mean that you are no longer searching & have started settling in somewhere? I know that can be such a long, hard, arduous process – both the finding and then the settling.

    Happy 2010!

    • Andrea Deckard - January 11, 2010 @ 4:08 pm

      Jean, I didn’t include the church hunting in the goals, it is still definitely a part of our personal goals though. We do believe we have found where we are supposed to be, however we are still seeking God’s will in it. And, for our kids to be comfortable too – that really matters :) Thanks for asking!

  • Chris Graves - January 11, 2010 @ 4:58 pm

    Hey there Andrea:
    Curious if you have tried Mint to track every penny you spent.
    Logging and journaling every penny is on my 10 things in 2010 … as is beginning the long and difficult task of getting out of debt (for me it’s a 3-year plan — UGH!!!).
    Thanks for sharing and I looked forward 2010 and learning as we go!!!

    All my best,
    Chris Graves

    • Andrea Deckard - January 11, 2010 @ 6:07 pm

      Hey Chris, I experimented with Mint last year and got away from it because I like to enter transactions with future dates so I can see the exact amount we have after everything is paid. Weird, but it helps me pay ahead debt that way too. I actually use Microsoft Money which is somewhat similar to Mint but Money just gives me the categories I assign transactions to, rather with Mint is more detailed. I am going to look into Mint again though since a friend told me she thought they could do future dated transactions. That’s what I really want overall.

  • Rebecca - January 11, 2010 @ 11:14 pm

    Hope this is not a repeat I did not read all the comments. My oldest was on a specialty formula too. When it came time to switch we just took baby steps. We switched him to rice milk at about one year old. If he rejects straight rice milk (try it though you never know) try mixing it very slowly with his current formula like 1 oz rice milk to 7oz of formula for at least a week, then up it to 2oz rice milk and 6oz of formula to make your 8 oz serving and so on until he is drinking plain rice milk. As a family childcare provider I have been a part transitioning a lot of babies off formula this has worked for me many times :) Of course always check with your pediatrician about dietary changes. Blessings :)

    • Andrea Deckard - January 12, 2010 @ 12:15 am

      Rebecca, thanks for that suggestion. I have heard that approach before, but I had forgotten about it. I will have to try it :)

  • Rosa - January 12, 2010 @ 1:51 pm

    Love your blog. Thanks for helping me save. I am going to work on my organization skills (especially home) and I would like to view your household cleaning task list but can’t seem to get in. I go to Home Depot when I click on the icon in your blog. Can you help me? Thanks

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