Long Time! No See!

Hope everybody is doing okay. I can’t even get myself to type ‘Hope everybody is doing good’. It just feels like it can’t be the case and hence there is no point in asking so. So, is everybody doing okay? We are doing fine here at the unequivocal house. Things haven’t changed much. I have been wanting to post about our progress in 2008 and our plans for 2009. The honest to god truth is that we did not reach our goals in 2008. But we are satisfied with what we accomplished. And plans for 2009 are going in full swing.

We wanted our networth to be $99,000 by Dec 2008. According to my sheets, our networth was $93,141  by end of Dec 2008. I feel pretty good about that since we started 2008 with $30,000. By end of 2008, we didn’t have any debt except the car loan and the mortgages. As for plans for 2009, if things go alright our networth improvements should be similar to that of 2008. End of 2009, our networth should be somewhere between 150,000 and 160,000 depending on how well we keep up with the budget. The car loan will be paid off in 2009. As usual, we will continue paying extra towards our second mortgage. Once the car loan is paid off, there will be an extra on the extra towards the second mortgage.

2009 Budget breakdown is as follows:
Mortgage - 26%
Savings – 22%
401k – 11%
Car Loan – 10%
Travel – 4%
Property Tax – 4%
HOA – 3%
Grocery – 3%
Gas – 2%
Restaurant – 2%
Personal Expenses – 2%
Car Insurance – 1%
Home – 1%
Cable – 1%
Cell Phone – 1%
Electricity – 1%
Entertainment – 1%
Gifts – 1%

On the non-financial end, I am hoping I can write more often. The new job I took up last September, I love it. I got a 10% raise in January. It was completely unexpected. But I accepted it gracefully. LOL. I want to work out and get off a few pounds from my body. But it’s getting nowhere.

And thatz it for now.