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Our 2017 financial goals

Our 2017 financial goals

Here our 2017 financial goals! I hope it’s not too late to share these 🙂

Sure, it’s a few weeks past New Years Day, but cut me some slack! We’ve been super busy over here because – surprise – we’re moving!

We’re just moving across the Bay so we can be much closer to work. Our commute times will be so much shorter and hopefully that means more time to spend with each other and on our passion projects *cough* this blog *cough*.

Anywho, enough about that. Here are our 2017 financial goals!

We're only focusing on four financial goals in 2017!

1. Move closer to work

Well, technically – we’ve already accomplished this! In fact, on the day that this post goes live, we will be moving all of our stuff in a U-haul van with some friends.

It did take some moving around of our money to pull off. But after almost a year of living more than an hour away from work, we decided it was worth it to move closer to work. Rent ain’t cheap – but we are at peace knowing that we’re paying for the convenience of living close to work. We’ll have a lot more time on our hands, and I think that alone is worth the money we will spend.

2. Replenish our starter emergency fund

We had to dip into our emergency fund recently to cover some family things. I feel so vulnerable not necessarily having anything right now in our emergency fund. But hopefully this will get done in the next paycheck or so. We just want to get our emergency fund back to $1,000.

3. Decrease our debt by 20%

We are in a ton of debt. Seriously. It’s not good. More on those numbers in a future post.

We know it’s not possible to pay it all off in one year. Especially since we’re paying to move much closer to work. But we do want to keep debt repayment a high priority for us. So as soon as our first two financial goals are taken care of, all of our extra money will be thrown at our debt. I assigned 20% as our 2017 goal. Hopefully it’ll be more than that, though!

4. Save for travel

This year is full of travel plans! Next month, we’re going to Rome to celebrate our anniversary. In July, we have 4 weddings to attend (maybe 5). We’re going to Hawaii in November for another wedding. These travel plans are so exciting! But if we don’t plan ahead, these travel plans can really reverse all the progress on the other three financial goals we have.

So, we are going to be putting money aside each money just for travel. I know that this money would probably do better if we targeted it all to debt, but I want to make sure that we spend only cash for all of these trips. What good is debt repayment if we have to finance our trips?

So there you have it – our 2017 financial goals. I’m keeping it simple this year. Four financial goals is totally doable. The less we have to focus on, the more damage we can do to each of our financial goals.

What are your financial goals this year?


Lisa vs. the 2014 Goals – How Did I Do?

It has been 365 days since I posted my 2014 goals for all to see.

Since then, I’ve crossed off a few goals as completed, I’ve changed my mind on others, but overall I’d say I did pretty well!

So here they are – a look into the goals I set out to accomplish for myself in the past 365 days and whether I succeeded or not!


Rebuild emergency fund to $1,000 – Success!

Bringing my emergency fund to $1,000 was one of the first goals I knocked off in 2014. Before, I had absolutely nothing in case an emergency came up and it definitely stressed me out. Although $1,000 isn’t much, I think it’s a good amount to have set aside just in case. It definitely helps me sleep better every night!

Stay out of credit card debt – Fail

Yuck. We all know how this one goes. I’ve tasted credit card debt freedom a couple of times, but I’ve never seemed to make it stick! I entered 2014 with no credit card debt. Sadly, I leave 2014 with some credit card debt. But don’t worry – I’ve picked myself up, knocked some sense into myself, and now I have a plan!

Begin saving for travel goals – Success!

I had two main trips in 2014 – Las Vegas in April for my 25th birthday and New Orleans in September for FinCon14. Both trips were memorable (yes, even the Vegas trip 😉 ) and both trips I saved for throughout the year using my Capital One 360 savings account specifically set aside for travel!

Bulk up emergency fund to 3-6 months worth of expenses – Fail

Midway through the year, I decided that this goal just wasn’t going to be accomplished this year. Mostly because I’m still in credit card debt and I felt like my money is better spent being thrown at the high interest balances instead of a bigger emergency fund. This is a goal I want to tackle eventually, though. Just not this year.

Start throwing extra money at student loans – Success!

After being tired of seeing incredibly slow progress on my student loans, I decided to throw just a little more towards them than the minimum payment. It’s not the $550 per month I used to throw at them, but $200 a month is better than $130 a month. I’ve already come to terms with the fact that these student loans will be sticking around longer than I originally anticipated, but that doesn’t mean they aren’t annoying.

Blogging Goals

Go to FinCon14 – Success!

In September, I boarded a plane to New Orleans for FinCon14! New Orleans was super hot and humid and I could barely keep up with the party lifestyle down there! But FinCon was such an amazing learning experience. Plus, I got to meet some of my favorite bloggers IRL! I already can’t wait for FinCon15 🙂 I’m hoping it’s in California this year so I don’t have to fly so far 😉

Expand content – Success!

Originally, I wanted to invite more people to guest post, but I’ve decided against it. I want to keep Lisa vs. the Loans solely my blog with my voice. So, that part of the goal has changed.

But I have started doing giveaways here on the blog! In fact, today is the last day to enter the December Amazon Giveaway! Don’t skip out on this one!

Get social – Success!

I’ve successfully launched my FB page and I’ve decided to share my personal Instagram and Pinterest accounts with y’all. Make sure to follow me!

Facebook – https://www.facebook.com/LisaVsTheLoans

Twitter – https://twitter.com/LisaVsTheLoans

Instagram – http://instagram.com/liseezy

Pinterest – http://www.pinterest.com/liseezy/


Land a new day job – Success!

In February, I started a job at a company whose mission I love! The job hunt was rough, but it was well worth it. Ever since I started here, I’ve been challenged in many ways and my definition of hard work has completely transformed. I’m so glad that this goal was accomplished!

Complete Lean and Lovely program – Success!

I completed the Lean and Lovely program a few months into 2014 and I’m thinking of doing it again! I’ve since fallen in love with kettlebell workouts!

Wake up early – Fail

There were times when I would get up early, and there were times when I just couldn’t resist my comfortable bed. This is definitely a work in progress!

8 out of 11 goals isn’t bad at all! 2014 was definitely one for the books. I hope you accomplished what you wanted to this year!

How did you do with your 2014 goals?


Lisa vs. the 2014 Goals


For the most part, I don’t like making New Years resolutions. I believe that if there are real changes you should be making in your life, you shouldn’t have to wait until the new year to start.

But I’ll be honest and say that lately, I haven’t been feeling too great. I’ve been so busy, but I feel like I have nothing to show for it. I read a lot about productivity and goal setting, but I’ve been way too lazy when it comes to actually taking action and achieving these goals. I have even written briefly about how to track your goals to keep yourself accountable, but even I have fallen away from this habit.

So for me, the start of 2014 really does feel like my chance to have a clean slate. Say what you want about failed resolutions. Believe me, I’m aware of all the times when people, myself included, have made a promise to themselves to be a new person in the new year and two weeks later completely forget about their resolutions.

But this year will be different. I owe it to myself to be better. I can’t stand where I am right now and I’m ready to take action. So I’m writing down what I want to accomplish this year and I’ll be sharing my progress with you all frequently here on LvtL.

Financial Goals

Rebuild emergency fund to $1,000

More on this in my next Net Worth Update 🙂

Stay out of credit card debt

Self explanatory. In 2013, I made my final payment on my credit card debt and I will not go back into it! That doesn’t mean I won’t be using credit cards at all. It just means I’ll be using them more responsibly.

Begin saving for travel goals

Every month, I will be setting money aside into a separate “travel” savings account since I have a couple of trips planned for 2014. Right now, this year’s travel plans consist of:

April 2014: My 25th birthday in Las Vegas

I save a ton of money when I go to Vegas (don’t worry, I’ll share my tips with y’all eventually), but that doesn’t mean that it’ll be expense free. I plan on flying this time and getting a suite (or two) since I’m going to be inviting a ton of my cousins and friends. I really want to do it big for my 25th and I have got to save for the occasion! 🙂

September 2014: FinCon14 in New Orleans

For those who don’t know, FinCon stands for Financial Blogger Conference. I was getting a serious case of jealousy when all my blogger friends were meeting up without me at FinCon13 and I vowed to myself that I needed to go in 2014! Plus, I just passed my 100th post and I don’t plan on stopping here at LvtL, so I really want to go to learn more about how to grow this blog. They just recently announced that FinCon14 will be in New Orleans which is not close to me at all. I need to save not only for the conference fees, but also for a round trip ticket and a hotel room.

Bulk up emergency fund to 3-6 months worth of expenses

This goal is really just two goals combined. First being that my emergency fund will sit at around 3 months worth of expenses by the end of Q2 2014. Second being that my emergency fund will sit at 6 months worth of expenses by the end of the year.

Start throwing extra money at student loans (again)

I’ve mentioned before that the birth of this blog was mainly a way for me to track my progress with my student loans. However, my student loan payoff goals have been put on hold to take care of other things, i.e. buying a house, buying a car, finally getting rid of credit card debt, and rebuilding my emergency fund. Now that all of those things have been taken care of, I want to focus a lot more on my student loans. I’m not putting an exact dollar amount to this goal quite yet, which means that even an extra $5 added to the minimum payments will fulfill this goal. Anything helps. Obviously, I’d want to throw a lot more towards them, but right now I can’t assess what my income will look like this year since I’m planning on getting a new job soon.

Blogging Goals

This is why I love Lisa Simpson

This is why I love Lisa Simpson. And yes, I play Tapped Out, don’t hate!

Go to FinCon14

(See above). The pf community has been absolutely amazing to me and I can’t wait to actually meet up with everyone IRL! It’ll be so great to finally put a face to the name/blog, and maybe I can meet a few pf celebs as well (pushing up nerd glasses as we speak).

Expand content

Aside from continuing my monthly net worth updates, I plan on bringing some more guest bloggers on board, and I’m even looking to start a few blog series with some real life friends of mine. Also, I would love to start hosting some giveaways and I’m scheduled to host a personal finance carnival every month! Stay tuned!

Get social

I already have a Twitter (follow me) and I plan on launching my Facebook page very soon. I have a personal Instagram, but I’m debating whether or not I should start a separate one for my blog or share the personal one. What do y’all think? 

Aside from just having social media accounts, I plan on staying active on each account, as well as responding to all comments here on LvtL. I still get excited every time I see that someone has commented on a post of mine. It really doesn’t get old 🙂

Personal Goals

Land a new day job

It’s no secret that I’m looking for a new job, even to my current coworkers and bosses. I want to go into this in more detail in it’s own post, but basically – I’m in need of something new and 2014 is the year that it will happen. This means I need to kick my job search efforts into high gear. This includes dropping resumes, writing cover letters, and networking.

Complete Lean and Lovely program

My last Lisa vs. the Lbs update did not end on a happy note. I have decided to end the LvtLbs series, but that doesn’t mean I’m going to stop with my health goals. A couple of weeks ago, I started Neghar Fonooni’s Lean and Lovely program (not affiliated). I just finished the primer phase and I’m set to start Phase 1 next week. I’ll be tracking my progress with this program in a new monthly series, so keep a look out!

Wake up early

All of these things simply cannot be done on my current schedule. By waking up an hour before I usually wake up, I can get some work done before my work day even begins. That means waking up at 5:30AM! I’m not going to abruptly start waking up at 5:30 though. Instead, I’ll be waking up normally for the first full week of 2014, which is 6:30am. Then the next week I’ll wake up at 6:15am, then 6:00am the week after, and so on and so forth until I eventually get up at 5:30am.

*whew* I know, it’s a lot! I was so ready for 2013 to be over with and I’m so excited for what 2014 will bring!

What are your goals for 2014?