I was not able to review our 2008 Goals for quiet a long time. But Hubby and I are still religiously following our saving method that we've committed.
So far, so good. Below are the updates:
1. DONE. As per my update last February, we thought that this goal is not possible. But due to hard word and God's blessing. We are able to Zero-out out Pag-ibig loan. A small part of it came from our mid-year bonus. Majority of it came from our company. Thanks to them. We don't need to shed cash. Instead, we just need to serve them for 5years. In case, we resign, we just need to pay the balance of the loan they gave us w/o any interest.
2.DONE. Since February, we already increased our deduction twice. This is to save for the premium of our VULs, our 2009 family outing, tuition fee of my sister and to deposit part of the supposed to be M.A. of our completed housing loan.
3. DONE for both Philam and Sunlife. We got some plans from Philam but not yet on Sunlife. We don't think that we need to have 2 plans at this time.
4. Same update last february.
5. Some thing came up last Q1 until the 1st month of Q2. We're not able to save the 10% from our bonuses and salary. However, by mid of Q2, we're back on track. We just considered the previous month's savings a loss.
6. I was not able to update this blog but I religiously update my excel file of A & L.
In summary, we're in good shape. But the market is not. Also, we have new set of goals which are very specific and can't be published in this blog. Hope I'll be able to complete it as per the dates I've committed and planned. Created these micro goals last 9/4/09 and so far, already completed 3 items. Keeping our fingers cross that we'll be able to do all of them.
I have also discussed this report to hubby last night and he told me that we should have a new GOAL for 2009 and this is for our Emergency Fund. We are still far from the target. And we'll be creating a plan to complete it by the end of 2009. We'll just publish it once we've finalized it.