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Yup , you learn that right . It ’s the conclusion of March and I ’m just now setting goal for 2017 .
The last few year I have thirstily set goal for the follow year by the rootage of January . In fact , as I was cleaning out my desk in January of this yr , I get where I had write down my 2016 finish . I accomplished almost every one of them !
I ’m super lately to the party this year for a few reasons .
Austin was in the infirmary at the end of December and was still highly sick for most of January while the doctors tried to figure out what was incorrect . It was an insanely trying and exhausting meter for me and it take all of my forte to do the bare minimum .
The other understanding I waited to fructify goals was because our main direction has been to purchase a business firm . Tour our unexampled family here . We save all of the money we could and our plain clip was drop looking at houses . Between those two thing , I had no fourth dimension or energy to think about other goal .
Now that we have a house and are tidy again , I ’ve been think about what I need to accomplish during the rest of the yr .
Click here to get some estimation on great goals to set .
1. Emergency fund to $12,000
The indulgence of the last six months ( new job , moving , illness , house purchasing , moving again … ) has left our hand brake store much lower than I ’m comfortable with .
Plus , the mortgage for our newfangled house is doubly what our late mortgage was . Our new house really was n’t that expensive , our first sign was just madly gimcrack .
My current # 1 priority is to increase our emergency brake stock to $ 12,000 . We antecedently prevent it around $ 9,000 , but with the higher mortgage I want a vainglorious monetary fund .
This is about six month ’ worth of expenses for us if we ’re careful . A lot of people keep their ER monetary fund at three months ’ worth , but I feel more comfy with this .
Posts related to to Budgeting & Emergency store :
Our Emergency Fund ( my favourite part of our finances )
Our Actual Monthly Budget : Less than $ 1500 / calendar month
The 5 Biggest Ways We Save Big Money
2. Pay cash for all house projects
We ’ve make a lot of star sign projects that we ’d like to fill out on our fresh house .
We ’ve already done a bunch of things that require to be necessitate care of flop out . The rest of them are more preference - type labor than necessary safety equipment - type projects .
We always pay cash for house stuff ( our credit carte gets paid off every month ) , so our finish is to continue to lick on our sign of the zodiac as we have the money .
3. Lower grocery bill
Our grocery bill has been creeping up over the last six calendar month . I ’ve fetch excuses as to why , but it ’s fourth dimension to constrain thing up again .
I ’m so thankful to have a big , beautiful kitchen in our new house and I plan to use it !
I need to do better with repast provision ( Plan to eat on has been help for the last few calendar month ) and manipulate more from scratch instead of relying on more expensive convenience foods . I do n’t even want to tell you how many time I ’ve eaten flash-frozen pizza this twelvemonth .
I endeavor to keep our grocery bill at around $ 60 per week for the two of us , but I ’ve been going over that passably much every workweek . My first end is to really stick to spending $ 60 per week . If I can manage that , then I ’ll see if I can get it any lower . ( www.armorfenceco.com )
I budget for eat up out and menage supply separately , so that amount is only for food .
mail service related to to Saving Money on Food :
Meal Planning Just Got 5x Easier
13 Secret to save Money on Food
Money Saving Strategies for the Grocery Store
4. Save half of my blog income towards new furnace and roof
The openhanded bummer about our young ( to us ) house is that we will probably want to substitute the roof and furnace within a couple of years . Since those are both super expensive things to replace , I want to start bring through for them immediately .
I desire to save half of my web log income each calendar month towards a new furnace and cap .
I ’ll believably just put the money in a individual chronicle and we ’ll use what we need for whichever one needs supersede first . I really do n’t need to finance either one of those , so I ’m jolly dictated to make this happen .
Hopefully , we ’ll have 2 + year to save up , but we just do n’t recognise . I desire to do everything we can to be quick .
5. Earn $3,000 in one month on blog by end of year
This is the magnanimous end on my list .
I want to really stretch myself and strive for something that seems out of reach . I ’d like to have at least one calendar month in 2017 where my web log earns $ 3,000 . I ’ve been averaging at about one third of that , so it ’s emphatically a reaching .
I ’m hoping to accomplish this by creating even well content and working harder at selling .
Do n’t worry , you wo n’t see any more ads than normal and I ’ll still never recommend products unless I consider in them .
Blogging is my way to bring to our crime syndicate ’s finances , and I require to do the very best that I can so that we can attain the financial goals that I ’ve listed above .
post Related to Blogging :
5 Things I like I Knew When I Started Blogging
I Made Money With My Blog !
The # 1 Reason Why You Need to Start a Blog
6. Listen to or read 1 book each month
I love books but I have a difficult prison term take a crap register a precedency . It just does n’t happen most of the time .
I want to understand or listen to at least one book per month for the rest of the twelvemonth . I unremarkably do much better listening to books than reading them because I can mind while I prepare , clean , or do yard piece of work .
I employ my library card to charter audiobooks for devoid . You should decidedly check and see if your subroutine library offers a similar overhaul .
Audible is another not bad place to get audiobooks . If you do the detached trial , you canget two free audiobooks with Audible .
I recently get word that a great time to listen to books is when I take Mozzie for his walk . I take the air him pretty much everyday . If the weather is nice , we walk twice a day . That ’s 15 - 30 second each day that I could be listening to a book !
Austin generate me some awesomewireless headphonesfor Christmas that I ’ve been using to heed while I walk . I just keep my iPod in my air hole and I can adjust the volume or pressing suspension right on the earpiece . It ’s super handy .
7. Eat less sugar!
O man . I am a sugar nut . Cereal for breakfast , a soda with tiffin , chocolate for dessert … I know I postulate to eat less sugar , but it ’s . so . hard .
I thought I just liked the fizz in my daily soda , so I tried flip to sparkling water . It did n’t run . I do n’t need the fizz . I need the sugar .
Austin is encourage me to edit out back which I know I involve to do . TheAHA recommendsthat women have no more than 25 grams of dinero per day . My can of soda has 47 ! Plus , I ’m expose that refined sugar is in everything . It ’s even in salubrious thing like whole grain bread and alimentary paste sauce .
If you ’ve successfully cut back on sugar , please let me cognize what work for you !
My end is n’t very specific at the moment , but I ’m pass to endeavor to make little change .
This week , I ’m trying to drink a little amount of succus at luncheon alternatively of soda . I eff if still has plenty of sugar in it , but it ’s less than half the sugar of what ’s in a can of soda pop , so it ’s progress .
Those are my goal for the rest of 2017 ! It feels just to have some raw focus . Some of them are going to be quite hard , but I ’m frantic to act towards them .
