Thursday, January 3, 2019

New Year, New Goals!

Happy New Year Everyone!! I hope you all had a wonderful new year's day.  It's already the third day of the year and I am just getting around to posting my goals.  Here goes:

1. Put a minimum of $11,000 to retirement.  ($6,000 to Roth and $5,000 to taxable). I am loving the increase in contributions to the Roth.  It's $6,000 this year, in case you have not heard!  The $11,000 goal is an increase of $500 from last year.
2. Increase replacement car fund to $12,000.
3. Give a minimum of $400 to charity. This is an increase of $100 from last year.
4. Increase Emergency Fund to $20,000.
5. Pay down mortgage principal so that the PMI can be removed.  I'm so close, only 5 or 6 months to go!
6. Read 12 books
7. Lose 20lbs
8. Increase social activities.
9. Learn coding.
10. Learn more about my family history.
11. Meditate.
12. Be kinder and more patient.
13. Increase FI/FU fund to $1,200.
14. Figure out my purpose in life. 

What are your goals for the new year?  Any special ones that you would like to share?

I hope that my next post is an update on my 2018 goals.  Have a great day everyone! 


  1. figuring out your life's purpose is no small thing, counselor. 20k is a nice big emergency fund. i hope you're getting at least 2% on that in a savings account.

    i would like to learn some more technical stuff about this blogging and if that includes learning some code that would be a bonus. i might have to try kahn academy or something free. i wouldn't mind learning just enough to make some location independent money in retirement. also, great idea on the car replacement savings bucket. we might need to buy one in the next couple of years. be aware of potential home repairs too as we escaped most of the big ones for years but in '17 we needed a roof and '18 needed a big paint job. luckily we were ready. best of luck with it all.

  2. I have $5,000 of my EF in an account earning 2%, the rest is just sitting in my bank account. I plan to try to learn coding from websites. Yes, home repairs are a money drain. For now, I plan to leave home repairs in the emergency fund bucket. After I get the EF to $20k, I will start saving for home repair issues. I definitely will need a new fridge soon.

  3. Do you need a loan .We are Legitimate and guarantee loan lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as We'll be glad to offer you a loan Contact us via Email: or whatsapp +15593320134

    Services Rendered include

    *Home Improvement
    *Inventor Loans
    *Car Loans
    *Debt Consolidation Loan
    *Line of Credit
    *Second Loan
    *Business Loans
    *Personal Loans
    *International Loans.

    Write back if interested with our interest rate of 3% annual. Contact us via Email: or whatsapp +15593320134 for more information.
    Please Note: All interested individual must send a message to our email for urgent response and details to obtain a Loan.

    Best Regards.

  4. We offer personal, business & real estate programs and my primary focus is to help clients secure the capital they need for their projects. Loan amounts starting from $2000 with favorable terms and amortization schedules up to 20 years. I like to work with: Multifamily, Warehouses, Hotels, Resorts, Shopping Centers, Retail, Offices, Industrial, Mixed Use, Film Production, Green Energy, Renewable Energy, Gold Mines, Airports, Assisted Living Facilities, Cannabis, Special Situations, Fix & Flip and Equipment Funding. My programs allow for instant loan decisions "without running a credit check".
    Skype ID:
    Phone #: +1513-334-6826