We did very well in 2017, especially considering we had a baby. We paid off all of our credit cards at the end of 2016, and did not accumulate a single cent of cc debt in 2017, so we've created new habits! In 2018 my plan is to:
1) Get DH's car paid off or close to it. My car is limping along and I know I'm going to need to replace it soon, and I don't want to have two car payments.
2) Continue our good habits with our credit cards. Keep charging everything and paying it off every month to earn rewards.
3) Get the remainder of our cruise in September paid for with some of our income tax return, and put the rest in savings.
4) Begin contributing to our house savings account (amount TBD) and get up to 7% in DH's retirement fund.
5) Me- get a part time job in the spring. Take half of these checks for emergency savings account and half for yearly vacation fund.
6) Pay off DH's phone by summer. Then we may trade in our phones for cheaper smartphones since neither of us use ours anywhere close to their potential.
7) As always, shop for Christmas/ Birthdays throughout the year with sales, coupons, and clearance. A huge portion of my family has December and January birthdays (including DS now!) so I really need to do this to be able to financially survive the holidays!
8) Get a deposit saved if we decide to book a bounce back offer on another cruise when we go in September. I want to make sure we have the cash in hand for the deposit ahead of time so we can make a decision without worrying about cost!