Becoming Debt Free in 2009

December 13, 2008

2009 Goals to Debt Freedom

Filed under: Debt,Goals,Journey to Debt Freedom — ambercouric @ 8:15 pm
Tags: , ,

Over the last few weeks I have been thinking about what I want to accomplish during 2009.

I have decided on 5 financial goals.  Some are relatively easy while others will take some major sacrifices and work. 

1) Pay off car by July 31, 2009.  This is my major goal for the year. 

2) Pay off credit card by December 31, 2009.   When this is paid off our only debt will be the mortgage.

3) Do the home version of Financial Peace University with my boys.  Most of this doesn’t apply to them now but it will in the future so I want them to be financially literate.

4) Put $200 extra in savings each month to cover summer camp, fence for the dog, and tuition for course for DH.

5) Start a vacation fund.

In order to pay off all the debt I will have to average adding an extra $400 per month to my current snowball amount.  This will be a stretch but I think I can do it.

Personal Goals

These goals have nothing to do with personal finance  but are two things that I would like to do.

1)  Create a website that provides tips for high school students taking the SAT and applying to college.  Several people have asked for tips and advice and I would like to share what I learned during the process with my son.  And share the testing strategies that I use when tutoring.

2)  I would like to take the training to become a Hospice Volunteer.

What are your goals for 2009?



  1. Oooooh, fence for the dog. Good one. I definitely am putting that on my list when the debt is gone.

    Comment by cheryl — December 13, 2008 @ 11:39 pm

  2. Good for you on the hospice volunteer-that is great! And your 2009 goals sound great. I haven’t finished my goals yet, but will be posting soon.

    Comment by Budget Mama — December 14, 2008 @ 1:18 am

  3. Hi there-Very best of luck on these goals, I know you can do it!! I need to put some thought into my goals for 2009, thanks for the inspiration!

    Comment by sharon rose — December 14, 2008 @ 5:20 am

  4. Nice goals! A little bit more for the debt, a little bit for you. Well done on the hospice training. We have a hospice here as well, and they do, quite simply, amazing work. I’m still working on my list, but I think I will post it once I’m done. I have a lot to think about first.

    Comment by Annie — December 14, 2008 @ 1:39 pm

  5. Great goals, and good luck 🙂

    Comment by laura @ no more spending — December 14, 2008 @ 5:23 pm

  6. Great goals! I listed some goals on my blog too. With hard work, you should be able to accomplish all your goals. Good luck!

    Comment by mode girl — December 14, 2008 @ 9:34 pm

  7. Looks like you will have your hands full. Good luck with everything.

    Comment by Over the Cubicle Wall — December 14, 2008 @ 11:05 pm

  8. Thanks for stopping by my blog.

    Although we have no debt besides our mortgage, we still need to have our “family meeting” to discuss our financial goals for 2009. I hope to list them on my blog to keep myself accountable, too.

    Comment by calina — December 15, 2008 @ 8:57 am

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