An AKPK DMP Blogger’s 2010 New Year Resolutions!

I love December! It’s time of the year to flush away all unhappiness and start afresh with new year resolutions.

What resolutions did I, an AKPK DMP blogger, set for year 2009? Paying down credit card debts was my No.1 new year resolution! Of course, saving for emergency fund and making more money were on the list too.

For year 2010, my new year resolutions would focus on simple, achievable goals and the priorities would be a bit different. I am going to emphasize on saving money, making money and paying down credit card and personal debts.

1. Saving for Emergency Fund. As hubby and I are in AKPK debt management programmes that require lower monthly repayments, we are able to focus more on saving money with the extra cash left every month.

So far, we have got RM1,500 in the saving account. We want to reach our saving goal of RM3,500 in year 2010. And then, from RM3,500 to RM5,000, if possible.

2. Making More Money. With God’s blessing, hubby has had a full time teaching job that brings in a steady monthly income of RM2,000.

It’s not possible to increase hubby’s income, but it’s possible to increase mine. My existing online income excluding tuition fee is between RM2,300 and RM2,600 a month.

My goal is to reach more than RM3,500 a month in year 2010 through my niche blogs. Yes, it’s possible!

3. Paying Off Some Personal Debts. It’s my hope that hubby and I can pay back at least one-third of the personal debts owed to family members.

Although most of them haven’t asked for their money back, hubby and I think that it’s better to pay them back as soon as possible.

4. Paying Down Credit Card Debts. Paying off credit card debts will be my No.4 new year resolution because I want to settle as much personal debts as possible.

Once the personal debts are gone, the money used for paying personal debts can be channeled into paying one card payment at one lump sum until every card payment is settled.

5. Staying Healthy Always. Without good health, none of the above resolutions can be achieved smoothly. My health is better than hubby’s, so I must make sure that hubby has stronger immune system and better energy in year 2010.

Without good health, how can he stand long school hours and endless discipline problems created by the students?

So, what are your new year resolutions for 2010?

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