Are my Resolutions Realistic for 2008

As the new year comes upon us, it is time once again to consider one's New Years Resolutions, and to look back at the past year's. As a personal finance blogger, perhaps I should take a better look at my financial situation for 2008. Will I really be able to reach my goals or am I being overly optimistic?
Our first stop is to see how I did with the resolutions that I made last year.

Officially pay-off and eliminate the credit card.
Since I still had charges being charged to this card for part of 2007, I didn't make this goal. I did make significant inroads on this debt in the last 6 months, having eliminated 3/4 of the debt. I expect this debt to be gone no later then Feb. 29, 2008.

Eliminate the remaining Home Improvement Loan. - While I didn't finish getting this debt paid off, I did make significant inroads to reducing the debt. It may be optimistic, but I am hopeful that I can get the last $950 paid off by the end of July, so that I can focus on the my bigger debts. Of course to do that I will have to figure out whee I am going to come up with the additional $100 over my current minimum payments.

The Chevy. - When I did my resolutions at this time last year, I wanted to figure out how to get out from being upside down in this loan. I was hopping to either get a significant amount of this debt paid, or to sell the car and get a cheaper car to drive around in. At this point, I still have the car, and the Credit Union is withdrawing $100/week from my account to keep this loan current.

Education. - While I looked at taking some classes in finances, none of the schools I looked at worked out. They wanted me to go into debt and said they had no grant money whatsoever to help finance my further education. Since, I refuse to go into deeper debt, I am continuing to look.

Love. - Last year my resolve was to be in a better place financially, so that I could once again date and find my soul mate. While, I did go on one date this past year, it did not develop into anything more after that one date. Besides, I am not financially able to date at this time anyway.


So now that we have looked at last year, my goals for 2008 are:

Get everything except the car paid off - I feel more confident then I did this time last year that I will be able to get all of my debts, excluding the auto loan, paid off by the end of this year. I will finally see an end to several of these bills that I have spent nearly the last 2-years working on. (You can see my position by looking at the chart below).

Home Improvement - Once my home improvement loan is paid off (by March 31), I would like to get insulation installed in the walls of my house, finally get central air-conditioning and repair parking in the back. I want to do this without taking on additional debt, which means I will have to save up first. I am not sure I will actually be able to do this in 2008, but I certainly would like to see it happen.

Love - Waiting for God's timing is what I keep telling myself, but that is hard to do sometimes, especially when one desires a helpmate. It is my hope that I will be able get more financial stable in 2008, so that I can feel comfortable dating again.

Account	Outstanding Balance	Monthly Minimum Payment	Payments This Month
Providian Credit Card	$395	$25	$200
Amerifirst Mortgage	$990	$75	$35
FingerHut	$1,000	$50	$10
Car Loan	$10,745	$400	$405
IRS	$3,796	$0	$0

Would love to hear your thoughts.

"Strange things happen when you're in debt. Two weeks ago my car broke down and my phone got disconnected. I was one electric bill away from being Amish."
- Comedian Tom Ryan