Hello 2016

Boy 2015 flew by!  There isn't much I have to complain about for 2015.  My kids were healthy and doing good in school.  I had a scare but everything worked out well in the end so I can say that I really had a great year.

For this new year, I don't have any resolutions.  I mean how can you perfect perfection LOL Seriously, I do have things that I have been working on and will continue to improve throughout this new year.

Credit - this is a topic everyone hates.  I swear they should have taught us how to build and maintain good credit scores in high school.  We need it more than we need geometry.  I've been working to repair my credit.  I was laid off a few years ago and had a lot of medical bills, which caused my score to drop significantly.  I am happy to say my score has gone up so much but I still have a way to go.  I am still working on paying off debts so that I can eventually have that 800+ credit score.  Hopefully, by the end of this year I will be close.

Budget - you can't build your credit score without a proper budget!  I started a budget last year, it help a little but I wasn't really strict with it and was still spending on things I could have waited on.  Plus, I don't thing the budget worksheet I had was all that helpful.  My friend (s/o Kay) sent me a worksheet that really allows me to snapshot my income and my debts.  And Wells Fargo has a feature were you can see where you have spending your money.  Let's just say that feature really really opened my eyes.  For the first 6 months of this new year, I have placed myself on a strict budget.  I want to pay down more bills and also put more into my savings.  So if you invite me out and I can't make it, just know it is not in my budget for this month.  That doesn't mean to stop inviting me :)

Vacation - along with working on my credit and finally utilizing a budget (in the right way), I would love to take a vacation out of the country this year.  I hope I can make it happen!

Health - no new goals.  I have been working out and eating an 80/20 clean diet.  2015 was actually the first year I didn't stop working out in Nov & Dec.  Which means this is the first January were I am not pushing to lose holiday weight.  Not only did I NOT gain any holiday weight, I LOST weight during the season!!!!!

Other than the above things I have been working on before the new year, I just plan to enjoy 2016.

I hope your new year is going well so far :)