2021 was a good year for us despite the pandemic.
2021 Goal Priorities
1.) ($3,500 / $3,500) Medial OOP
2.) Regrade Yard & Install Water Heater
3.) ($3,000 / $3,000) Vacation
We managed to complete all our goals, plus some extra ones! We gutted and redid our kitchen which was $10k+, we got a much newer car as a gift from family, we had a new baby and didn't need to take out any medical loans for our crazy high out of pocket expenses $7k+ and we managed to survive on only one income.
2022 feels comfortable and I am unsure what goals I have. Almost everything I can think of it less about money and more about living. Which is good I think. I no longer have to have laser focus to pay down debt or save for the next big purchase... we are okay and happy.
But here are a few easy to reach things I want to accomplish this year.
Goal 1.) $5,000 Added to Roth IRAs
I have already put in $775 and with another $3k earmarked from our tax return this will be easy but necessary since we have put retirement on the back burner that last couple years while having and paying for children. We are nearing 30 years old and need to make this a priority. Extra income will probably also be added to this.
We also just bumped husband's 401k contribution up to the match which is 5%.
Goal 2.) New Water Line & Bury Gutters
This was sort of part of last year's goal which got pushed back because the price of materials went from $2 a foot to $10. (Yikes!) Money is there and we will wait until prices regulate before finishing the project.
Goal 3.) Go on Vacation
This is a reoccuring goal. We always try to take a long vacation somewhere and make memories. We have one big and several shorter trips planned this year. Approximately $3,000 for the main one.
Goal 4.) Be More Organized
Not a financial goal but a personal one. I would really like to be a better steward of my time. Which means keeping a cleaner house, cooking more healthy meals, and wasting less of my time on things like social media and stuff that doesn't matter. This will be my first full year not working (except my web design which I am doing minimally). With our finances pretty much on auto pilot and us now being a family of four it's time to get the rest of our house in order. Which will help free me up for my last goal.
Goal 5.) Enjoy Life
I want to spend more time enjoying the important things and things I love. Spending more fun time with the kids, such as going to the park, library, swimming. More time with my goats, more time with friends, etc.
Here's to 2022!