This is post #99

So I just noticed that with this post, I am just one post away from blogging 100 times this year. That's a completely arbitrary and meaningless milestone, but it makes me think that this blog is a two-year resolution that I actually managed to keep.

My resolutions for 2008, at least those discussed so far, are financial. Rob and I have been talking a lot about what we need to do to keep working toward our next adoption. That conversation has also sparked others about general "stuff" that we really should get taken care of. (I will also try not to blog with dangling participles next year, but that's a post for another time.)

Here they are, in no particular order:

1. Write down everything we spend for a month, then devise an actual and strict budget. It's not that we don't budget now, but we could stand to be stricter with ourselves. I have a feeling this will entail cash "allowances." A daunting thought, but a wise move, I'm sure.

2. Move Sam's savings into a real 529 and implement direct deposit from both paychecks.

3. Make annual increase in our 403b accounts.

4. (Most likely) Refinance our mortgage to a 15-year note.

5. Formalize our wills and living wills.

These make us sound very grown up, but the truth is that we probably should have done most of this stuff before now. There's nothing like the notion of a huge loan in your future to make you reassess, though!

I don't care what we have to do to make it work. Unless we were to get a rare "sibling call" at some point, I'm sure this is our last adoption. We'll do what we have to do, and then work to make up the time and money for college! That, too, is a post for another day.