Posts Tagged ‘Goals’

Woulda Coulda Shoulda

December 28th, 2010 No comments

Woulda Coulda ShouldaIf Only

It’s the time of the year when you reflect on all the things you set out to do, and all the ways you failed miserably at them.  I don’t know about you, but I never seem to accomplish all the goals that I set in my mind to accomplish.  Some of it is procrastination.  Some of it is lack of faith, and a lot of it is unreasonable planning.

How to accomplish your goals

Make Them Personal

Why are you trying to accomplish this?  If you have a personal motivation you are much likelier to succeed. Why do you want to lose weight?  Because you should?  How about instead you lose weight to control your diabetes.  Or you lose weight to look more attractive?

Make Them Specific

Don’t say I want to accomplish financial freedom.  It’s too vague (and broad.)  Say I want to pay off my last credit card.

Make them Time Driven

If you set a goal with no time limit, your mind will keep telling you that you have plenty of time to complete it.  Set a goal date.  I want to lose 20 pounds before Labor Day. Then write that date down next to your goal, and mark it on the calendar.

Do you know what would be neat?  A goal calendar with “growing” tasks.  The closer you get to your goal date, the larger the task appears, until it’s either taking up your whole screen, or gone because you hit your goal.  I might need to work on creating that.

My Goals

This year my goals are:

  1. Get my weight down to 170 pounds by June 1st ( )
  2. Clean out my overflowing garage (again) before April 1st ( )
  3. Expand the garden area by May 1st ( )
  4. Sell or give away all my old computer junk by September 1st ( )
  5. Write a blog post explaining my goals and how to accomplish them by January 1st ()

Bring Out Your Dead!

March 5th, 2010 No comments

We’re not dead. We’re feeling much better! I’ve ignored this blog for about 14 months now, but it’s time to get back on track.  We’ve totally blown our debt reduction goals.  Some in part to unforeseen expenses, but a lot due to over spending.  But we have made progress.  We have a little more than $1,200 in credit card debt left to pay, a couple medical bills, and then we will be debt free save the mortgage, but that should be paid off within 10 years even without any extra going towards it (bi-weekly payments rock.)

So my resolution for March is to post to this blog more.  Which, considering one post in 14 months, shouldn’t be too time consuming!

Misadventures in Budgeting

January 6th, 2009 No comments

If you are a numbers nerd, you’re going to be constantly tweaking your budget numbers, and if your spouse (assuming you have one) is not also a numbers nerd, it will drive them crazy.  It’s very important that you sit down with them and discuss the amounts for each category, and not make heavy handed decisions on what should be spent.  I was adamant that we should be able to get by on $250 a paycheck for groceries, easily.  My wife was sure we couldn’t.  So the first budget, we ran out of grocery money before the end of the second week.  What do you do then?  You blow your budget and that money has to come from somewhere else.

It’s one thing to estimate how much to budget for a category until you get some data, but it is another to force a category to be lower than you need to spend. Not that you want to spend, that you need to spend.  Some categories are pretty inviolable: your rent or mortgage, insurance, gas for your car, etc.  But others can vary, such as restaurants, clothing, blow.  If you cut too deep, your better half will resent it, and either resent you, or ignore your stupid budget  that isn’t workable.  If you don’t put any money into clothing for too long, somebody is going to need shoes and, once again, you will have blown your budget.  We actually set up a separate category for shoes (there’s five of us) that we save each paycheck and build up. Quicken’s savings goals work pretty well for this.

Communication and give and take in the budget are important.  If it’s all one-sided, you are destined to fail.

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Our 2009 New Year Resolutions

January 1st, 2009 No comments

Since everyone else seems to be posting them, here are our goals for 2009.  I hope that by putting these out for the world to see, that we might be more inspired to work towards them.

  1. Get organized.
    Our house and lives are still severely disorganized, and it definitely costs us money.  I needed a hex wrench a month ago, and, even though I know I own two sets, I could find neither and ended up going and buying another set.  What a waste.  Even more annoying, I just found a set I didn’t even know I had in a box of junk I bought at an auction.
  2. Get all of our credit card debt paid off.
    This should be pretty straight forward if things go well.  You can track our progress on the gauge on the right.
  3. Have $10,000 of our Emergency Fund saved.
    If we get our credit card debt paid off, we should be able to make this.
  4. Lose 20 pounds (each of us).
    My wife has made incredible progress losing weight, I have made none.  I might have to try the grapefruit & fish oil diet again.
  5. Go to the Liberty Bowl parade.
    Our two middle children are going to play in the marching band in the parade, and our oldest son lives near there, so we would like to make this Christmas.
  6. Entertain more.
    We built a deck in our back yard two years ago and used it quite a bit that summer.  This past summer, I think we used it once to entertain, and we really missed it.

What are your goals for this year?