Christmas has come and gone. I started this post before Christmas and have yet to finish it. I have these jumbles of thoughts in my head about where I want to be at this time next year and what I need to do to get there. I want to be on our way to being debt free. I think that is definitely #1. It is something that has weighed heavily on me for the last half of this year and I am delving even deeper in the new year. Getting organized for that, celebrating Christmas with family and just mentally preparing for that ball drop is what occupies my time as the year comes to a close. It may seem strange I have to mentally prepare for a ball drop but each year it makes me feel more and more like a failure. Which I know I am not. The last few years I haven't made resolutions partly because I didn't want to let myself down and partly because quite frankly I was lazy and didn't want to try and achieve anything. That is sad but true. This year I still don't necessarily want to make New Years resolutions but I want to have goals to strive for throughout the year. I need to re-prioritize my life. My main goals this year are going to be financial but I also want to take baby steps in other areas. I want to start exercising, make more time for friends and family, and start volunteering. I want to do good in the world and take more time to try new things and things that I enjoy. I want to organize my house and get rid of clutter, seeing as we don't have a little one on the way might as well make time to better prepare my home for a little one when the time comes. I have so many ideas, it is hard to pin them down into a list. I have created a list of financial goals for the year so I will include those here but hoping to create lists for the other things I want to do as well at some point in January. Running out of time to finish it before the 1st but it will be done.
2014 Financial Goals
- Have $1000 in Emergency Fund
- Save $1000 for Vegas Vacation in July
- Save $1000 for new car fund (currently 1 car family as Matt's car is once again overheating)
- Pay off both of our credit cards (Combined balance of $4551.96 as of the end of this month)
- After credit cards are paid off, make more than the minimum payment on all other debt.
- Do not accumulate more debt (this one depends if we have to buy a new car)
- Tithe 5% by the end of the year (Starting January at 1%)
I plan on posting about our new way of handling finances hopefully this weekend and sharing actually how much debt we have eek! Scary but I need to be accountable even if it is to the unknown blog world (and the couple of friends who read this). Well I need to head to work (yes at McDonalds once again as we have only one car)
Happy New Year!