Well, well, well. We’ve made it one month into the New Year. How are those goals going? Has the motivation began to fade away? I sure hope not! As I stated in my first blog post of the year, I’ve decided to break my overall goals into monthly attainable goals. Here’s a recap of my January goals:
- Pay off my final credit card bill
- Lose 3-4 pounds
- Maintain a weekly workout schedule of 2 days cardio and 2-3 days strength training
- Eat more fruits and vegetables daily
- Reduce carbohydrates and add more lean protein to diet
- No eating after 8:30pm (even on weekends!)
- Blog more often 😊
I am happy to report that my final credit card bill has been paid off! This was originally a goal I had for 2017 that was just one month delayed, but it still got done either way! This goal coincides with my overall 2018 goal which is to keep my credit card balance at $0. My rule is, if it’s something that can’t be paid off within 30 days…DON’T SWIPE!
It seems as though people only set goals related to their health and fitness in the New Year. Don’t get me wrong. That is definitely a priority. However, it is also important to think about your financial fitness. Do you have an emergency funds account? A savings account? Do you actually deposit money into those accounts on a regular basis? Even if you’re not saving up for something specific, it’s essential to have what they call a “rainy day” fund because you just never know when you might need some extra funds. Or, God forbid, if a crisis were to happen, you would want to have a nice cushion to fall back on.
My main goal at this point when it comes to my finances is to pay off my remaining debt which is all student loans…from two degrees. *insert ugly cry here* Another financial goal of mine is to deposit (at minimum) $100 per month into my savings account. I know it doesn’t sound like much, but it’s better than $0. This is money that I will not be able to touch, under any circumstance. It’s for saving purposes only. As I continue to pay down my debt a little more, then I will be able to increase the amount that I put into my savings account. Hey, baby steps! Continue reading