I'm in, too.
a. Who you are
I'm a WOHM that to-date has brought in the majority of our income. DH is a self-employed forester and work is unpredictable. Our LO is 2 months old. I decided during maternity leave that I couldn't bear to return to working full time, so DH and I agreed that we would make it work for me to go back part time. I'll be starting a funded masters program in Jan. that will only be bringing in about half what I did before. DH is hoping to ramp up his work and bring in more $$, plus we are switching to managing our finances together instead of having separate accounts, which will hopefully help us make better spending decisions.
b. Where you are going (your financial goals)
My goals are to spend down the credit card balance from maternity leave (~$250), start putting $$ away each month for our property taxes so that it doesn't always come as a surprise each fall, keep what savings we do have and maybe even add to it this year, limit eating out to special occasions, try to find time to plan meals (maybe when LO starts taking regular naps!) and really commit to cloth diapering as much as possible (currently use disposables at night and sometimes when traveling. We got some cloth wipes for xmas, too, so that should save $$).
Now that I'm going back to work, my goal is to pack a lunch every day and not run to the store for snacks or chocolate(!) when I'm bored (this will help me loose my preggo weight, too). Also, since I'll be going into town a few days a week, not be tempted to spend $$, even if it's for the LO.
What we do already: limit utility bills to just local phone service, hang dry clothes, no cable, no TV, buy a lot of things used.
c. How you plan to get there
Pack lunches, plan meals, make big batches of things and eat on them for a few days or put some in the freezer, use cloth diapers as much as possible, refrain from spending $$ when I'm in town for work.
The purchases I know we'll be making: tuition, investing in cloth diaper stash (planning to buy used), and maybe a diaper bag (can't decide if I can justify the handmade one from Queen Bee Creations or not).
Edited by chelseaspring - 1/1/11 at 9:53am