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.