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2019 Goals

November 14th, 2018 at 04:01 pm

I have been thinking a lot about what I want to accomplish financially in 2019. I think 2019 will bring a lot of life changes, and our main goal overall is to put ourselves in a more comfortable living position.

Now that we aren't scrapping by, we want to save and pay off debt. We want to get ahead and improve our future.

Starting in March we will have to start paying our own health insurance which is going to add about $200 a month to our budget. Ew.

My goals do not fit into our budget on paper, but I am hopeful that with husband's overtime money we will be able to accomplish at least some/most of them.

1.) Save $1,000 in HSA
Since we will have to start paying our own insurance and it's a high deductible we need to begin putting back money in the HSA.

2.) Pay off $7,500 in Debt
Our stretch goal, but a necessary evil if we want to pay off the credit cards before they start to accrue interest.

3.) Add $1,000 in Car Fund
An easier goal since we automatically save for this each paycheck. Our cars are currently hanging in there, but I know it's only a matter of time before we will need to purchase a new one.

4.)Save $1,500 for Vacation
We had to skip a vacation this year due to husband's job change, so we are definitely going to take one next year. Planning for Yellowstone again, which last time cost us right around $1,500.

Save $4,500 in Animal Fund
Another stretch goal, but very doable if I put back all the goat money I get. This amount would pay for all animal related expenses for an entire year.

All this totals $14,500. Or over $1,200 a month. It's going to be tough but I think it's best to push yourself and aim for the stars.

I paid all my bills today including my annual home insurance premium. It feels good! My web design check came and I was able to pay off all my personal credit cards, and I actually have about $30 left over that is just siting in my account waiting for me to earmark it. Probably towards Christmas presents or a new car battery. I'm still YNABing faithfully and it is so nice to see GREEN.

1 Responses to “2019 Goals”

  1. rob62521 Says:

    I think you can do it if you really work hard at it. I agree, pushing yourself and aiming high is one way to succeed. When I first started teaching, I contacted a financial advisor about opening a 403b. I was making little to nothing, but he convinced me I had to put away $50 a pay check. I won't say it was easy, but I'm glad I did. Almost 30 years later, I have over $100K in my 403b.

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