HAPPY NEW YEAR EVERYONE! Woo hoo!
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.
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.
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).
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!
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 🙂
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?