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Trying to Make Goals

December 19th, 2017 at 03:54 pm

I am still indecisive about my goals for 2018. My life seems so unstable with the remodel and pulled in so many directions that I don't know where to put my efforts. I know that my main goal isn't even a financial goal. I just want to finish our house.

I also know that I have never been able to finish my yearly goals and that is disappointing. Especially this year, I bombed them. So for 2018 I am going to try to be much more realistic about what I am able to achieve.

Here are my preliminary thoughts:

1.) Finish remodel
2.) Refinance mortgage
3.) Pay off $5,000 in non-mortgage debt
4.) Add $1,000 to truck fund
5.) Add $1,000 to Roth

My Roth goal is a LOT smaller this year. This is for several reasons. #1 being that husband is going to start contributing to a 401K this year. #2 is that I want this year to be about paying down debt. I will happily add more than $1,000 to my Roth, but I don't want to stress myself out with too lofty goals. So I will start here and adjust if needed.

Hopefully 2018 will be a calmer and less stressful year! I just want to tie up some loose ends, and finish all our ongoing projects to get back to some sort of normal.

4 Responses to “Trying to Make Goals”

  1. snafu Says:

    Anyone who has experienced a remodel understands your distress and frustration. We read your post and it throws us back down memory lane. We've done a couple of kitchen upgrades in two different houses over the years. I like to paint and decorate but I wanted to run away from home when we were 6 weeks over schedule and doors didn't arrive with their cabinetry, followed by a litany of problems. Try not to stress, is the only thing we can suggest.

    I admit, this year I'm having lots of problems writing goals and making plans.

  2. ceejay74 Says:

    Those sound like good goals. Sometimes it's important to stretch, but other times you just need to hit some goals and get that psychological boost. This year was full of curveballs for you, but you did the best you could.

    AS was telling me something interesting about someone who helped people set and reach goals. He would have them set a goal and time frame, and then halfway to the deadline, he would tell them to cut their goal in half. It gave them a boost just as their initial burst of energy was starting to flag and they were starting to foresee failure. Having the finish line moved forward usually motivated people to redouble their efforts and reach this new, more realistic goal. But the initial goal was good because it was exciting and got them off to a strong start. So both were important.

  3. rob62521 Says:

    Sometimes the best goals are the realistic ones. Otherwise, if you write too lofty of ones, you don't achievement them and then beat yourself up. I think your goals are reasonable and like snafu said...that remodeling is stressful!

  4. VS_ozgirl Says:

    I think I completed 2 out of 6 goals, don't be too hard on yourself as you are undertaking a big, time-consuming, energy-consuming task.

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