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Home > 2015 Goals (Attempt 2)

2015 Goals (Attempt 2)

December 30th, 2014 at 11:29 am

Note to self - write longer entries in Notepad and then copy into the blog...

Prior to laying these out, let me preface with a confession. I've been hoarding some secret mistakes as I didn't want to admit setbacks, but it's time to turn all that around. Below are my 2015 goals.

- Build emergency fund back to $1000 (This was depleted after funding two unexpected trips for my mom to see my grandmother before she passed. I also need to be better about replenishing this right after I use it...)
- Reduce credit cards (I had my credit cards in a pay-in-full cycle, but I've since run a few up with balances when I tried {and failed} the whole creidt card churn thing. While none of them have interest accruing, I'd like to have all but 1 paid off this year. I also plan to close 3 this year and 1 more next year leaving me with Target for the 5% cash back, BOA which is my oldest, and Chase Freedom for the rewards.)
- Add savings categories (I found a need for two additional savings accounts. One will be semi-annual expenses such as my car taxes and insurance. The other will be for SO and I's one-year anniversary trip to Niagara Falls.)
- Increase retirement savings to 10% (This will be done automatically at the same time as my raise.)
- Build checking account buffers (I'd like a $200 buffer in my own account and a $1500 buffer in our joint account. I had some close call overages on my own account and our joint one accrues dividends when we maintain at least $1500 in it.)

- Lose 10% of my weight (This is about 15 lbs. on my 5'1, 140 lb. frame. To help, I enrolled in a 6 month dietbet, but since I don't want to gain it back, I made it a full year's goal.)
- Win at least 4 months of my dietbet (Obviously the goal is to win all 6 months, but months 2 and 6 seem particularly difficult. Month 2 is 4 lbs. in addition to the 4 lbs. from month 1. Month 6 is maintaining the 10%.)
- Adopt a puppy with SO (Self-explanatory)
- Get dogs outside for more than an hour 4 times a week (They'll clearly be walked several times daily, but it's my goal to get them to the dog park, hiking, or simply much longer walks quite often.)
- Cook more from scratch (I'm already doing pretty well with cooking at home, but it's mostly processed stuff. I'd like to improve to cooking from scratch and start meal planning.)

- Blog at least twice per week
- Post monthly budget and month in review entries
- Participate in one 'challenge' quarterly (This is contingent on people actually posting challenges, but I want to particpate more as I feel this provides great insight into other ways of doing things that I might not have been exposed to otherwise.)

I plan to post the shortened version of these in my sidebar to keep them fresh. Bring it on 2015!

4 Responses to “2015 Goals (Attempt 2)”

  1. rob62521 Says:

    It is difficult to admit to setbacks, but we all have them. You have a good comprehensive list of goals.

  2. creditcardfree Says:

    Do you have a specific plan to reduce credit card debt? Specifics help you get where you are going...versus the shot in the dark, I hope I can make it mentality.

  3. Debt-free by Thir-ty Says:

    Thanks Rob for the encouragement!

    CCF, I do have a plan. Some have Christmas balances all of which will be paid in January, so interest doesn't accumulate. I'll also close two in January that haven't had balances in awhile that I mostly opened for one-off reasons. I also transferred my big balance to give me more time to pay it, and I have one more ~1100 one that will be my focus to pay and close this year. I can write a more detailed post explaining the exact amounts and payoff timelines as I have it all laid out.

  4. tabs Says:

    If I had a dollar every time I lost an entry from the invisible timer....

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