Although we’re in the middle of the holiday season and an entire month out from the end of the year, I have started to plan ahead for 2010.
Primarily, this is because I know we have some expenses and changes coming up in the next couple of years:
1) At some point in the future, we will want to put our house on the market and we’ve identified several home improvements that need to happen before selling.
2) I don’t know whether Michael and I will rent for a while or immediately buy again. It probably depends on our savings in the meantime (and circumstances that might interrupt savings– such as needing a new car) and the likelihood of finding the house that we want while our current house is on the market. Both of us are of the opinion that we want to move one last time and then NOT AGAIN. So we need to find a place that we will be happy with, which will also adequately meet the requirements of future plans (like having kids).
3) It’s possible that we may stay in our current house, but we bought with different requirements in mind in 2006 and have since developed new plans and goals. Our current place is not bad, but not ideal, for a 40-year commitment.
So we have already agreed that 2010 will be a year of saving more and spending less. It will help that we don’t have a wedding to pay for in 2010, but I know we already have some travel plans in the works (family-related– we haven’t even started talking about a “just-us” vacation yet), Michael is eager to make some electronics upgrades, and I’m just hoping my car will continue to get me to work and back without needing major repairs. So we’ll see what happens.