We're
nearing the end of 2014 and I cannot be anymore excited about 2015. I
actually have this feeling of treating my life like a book & when
it's a new year, I always look at it as a new book, not a chapter,
but an entire book. Am I the only one who feels like this? I have
learned a lot of personal things in 2014, but not so much about
financial matters. So 2015, I am focus a lot of my energy this coming
year to getting on the right path financially. You know that American
dream? Financial freedom, that's totally on top of my priority list
at the moment. Second, working hard to start up my dream job :) Oh, I
didn't mention? I dream of starting my own jewelry brand, but we'll
talk about that later on in this blog.
Back
to it, here are my 2015 goals to achieve. I am going to try to be as
realistic as possible, I don't like disappointment.
Pay
off #3 debt: $6,000
Seriously,
it is within reach to erase one pesky debt. It's so close that I can
almost feel it, taste it, & close to doing a happy dance. The
goal here is to pay off this debt in 6 months or less.
Pay
#4 debt: $2,500
Debt
numero cuatro! I know it feels like it is never ending, but we are
closer than we were seven years ago.
In
less than a year, 1/4th
of the total loan has been paid for. Once debt #3 is
paid for, the main focus will
all
be on #4. The joy of
thinking about debts that you accumulate in your 20's huh? Goal for
2015 is to
pay
a total of $2,500, which will bring down the last loan to $9,500.
Emergency
fund: $2,000
I
just found the importance of starting an emergency fund. We found
ourselves stuck in a runt a few
years
ago when my dog, Patron had to be rushed to the vet because of a
threatening boil on his behind.
I
wasn't balancing my money, too well & I had to smash every ounce
of ideas I had to come up with the
the
money.
Raise
& maintain credit score: 850
I
never knew how important a credit score was until I researched how to
get a business loan, a house, &
almost
everything else. America likes to base a lot on your financial
credibility, right? Haha. But with all
the
savings & paying off debts goals, we need to make sure we raise &
maintain that score. The way I
see
it, a well kept score will help me start a brick-and-mortar business,
pre-approve on a home loan, & a
Range
Rover one day.
Moving
day
If
paying off loans wasn't enough of a stress factor, I really want to
aim for a new place this coming year.
I
think it's time for a change, right? What better way than to up &
leave. I just want to feel more brave,
I
guess or just adventurous. Probably just wanting a way out. Who
knows?
Budgeting
Refer
to #1-5, this is how it will make them possible. Learn to budget
every month to achieve every single goal that's been set-up. I
cannot stress enough how important it is to budget everything from
groceries to random expenses.
Who
else is making separate 2015 Goals? I'm making about 2-3 just to
point it out. There's Financial, Business, & Personal. Everyone's
different, so what's yours? Let me know because I always could use
some new ideas to add to my long list of goals. You see how I call it
goals rather than dreams? It just sounds more realistic to me to just
call every single one of my dreams as goals, hmm.
