Yesterday was my birthday! So I’m thinking about goals, because I start new habits at my birthday not January 1.

Goal 1: Pay off all three credit cards

Goal 2: Pay off 1/5 of Nelnet student loan

Goal 3: Save the equivalent of 1 month’s salary in emergency savings account

Goal 4: Pay for all travel and large expenses from special savings account, not credit card

Goal 5: Do at least two month-long Spending Fasts during the year

This is going to require some discipline, and if I can’t do all of it I won’t beat myself up. I’ve learned over the last year that everything is contingent, no matter how hard you work at it.