A New Year, A New Reflection



(It's a beautiful, snowy day to sit inside and plan out this upcoming year)

A New Year, A New Reflection

I'm a goal person, it's quite honestly, my jam.  I love not only making goals, but then the planning involved in getting there.  I don't always get there though and that's totally ok with me.  If I don't get there, it's probably because the goal I once set isn't important to me.  It's important for our goals to reflect what is important to us, if not, what's the point?

I've been carefully thinking about all the goal I'd like to accomplish this year, when I noticed a segment on the morning news that talked about New Years Resolutions.  At the time, viewers were responding to a poll about resolutions and 75% were saying they were a waste of time.  I know I'm a little weird and I really like devoting time to things others don't like (money, investments, ways to save...etc.) but really?  No reflection? No new hopes or dreams for the year?  Then I realized maybe it's the wording.  When I think "resolution" I think of all those times I bought new gym clothes, put on new tennis shoes, and got on my old, squeaky elliptical. Yeah, resolution, in my mind, seems dated, unsuccessful, and not generally something I carry through into February. That's why I like thinking about it in terms of goals I want to accomplish.  The word "goal" seems so much more positive...at least to me.

After much thought and consideration, here are my goals for 2019! As you will notice, my goals are broken up into two different categories; experiences and money.  My money goals fund my experience goals.

Experiences 
1. Travel to California and visit Disneyland and friends.
2. Attempt camping with the littles.
3. Venture off to Great Wolf Lodge once.
4. Vacation in South Dakota and see Mount Rushmore.
5. Take 15 more credits through an online University.

Money
1. Save up $7,200 and either put towards the principal of our mortgage or look into getting an investment (we will make this call in December '19).
2. Save and contribute $8,800 towards the kids' college funds.
3. Look into opening a 457 account (versus a Vanguard account to bridge the financial work gap between retirement and 59.5).
4. Save and spend some money for some minor home improvements (built-in cabinet for the tv and a couple trees in the backyard).
5. Stick to only purchasing clothes from garage sales or with gift cards.
6. Continue to meal plan and primarily eat from home. Groceries should be no more than $300 a month.
7. Continue to use my credit card for all purchases, then use the cash-back feature to fund fun activities during the summer.

I'll be revisiting these as the year goes on. 

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