New Year, New Us for the Future

Sorry I haven't put any pics on the blog. Either my card reader is broken or something is wrong with my laptop. I originally thought that it was my reader but now I am almost sure it is the computer. I have had it for almost 5 years now and it just recently started giving me trouble. **Sigh** I hate to buy a new one but I can see that it is inevitable. I cannot even hook up my either of my cameras to it to directly transfer the files. Ugh.


So what is going on with you guys? Did you make any new year resolutions? We kinda made one. We are going to try to get our future planned out. We don't have credit card debt but we do have a car, house and student loans to pay for. We also are now seriously thinking about retirement and college funds for the kids. Here are a few things that we are working on:

-To start the year off right, Clayton and I both now have savings accounts. We are great spenders but saving is something that we are going to have to learn.

-I already have a life insurance policy but Clayton is going to be getting one too soon. The kids and I would be completely devastated if something were to happen to hubby. We simply could not make it on our own. I could never afford the mortgage and car by myself. It also doesn't help that I haven't worked in 6 years. My lack of work experience sure wouldn't help matters.

-We are going to write up our will next month to make sure that our final wishes are carried out whenever that time shall come. We are appointing my SIL Stephanie as legal guardian of our kids just in case something happens to us while they are young. She would make a fabulous guardian for them so I want to be sure that she wouldn't have problems gaining custody.

There are lots of other things that we are going to do but my post is beginning to sound a little too gloomy/doomy so I will end it here. Just trust me, if you haven't been thinking about your financial future, there is no better time than now. Every pregnancy I seem to think about death alot and that is what has spurred this all. I just want to be sure that all of us are taken care of should Clayton or myself die. I have a huge load lifting off my shoulders as we take each of these steps to protect our family's future.

***Clayton is a little bit worried that I am going to push him down the stairs, lol. He is worth wayyyyy more to me alive than dead so I don't think so. If anything I should be watching my back, lol.