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What Are My Goals for 2011?

Alright, we reviewed just how horribly I did last year in meeting the goals that I had set for myself. It’s time to begin looking forward to 2011 since 2010 is almost over.  I really don’t have very distinct goals set in my mind, so please excuse me if I end up going through a bit of a stream of consciousness to get to where I think I will need to be.  Any mistakes I make stays.  I’m not editing.

  1. How about the debt?  This is a blog about debt after all. Hmm.  I’m not going to put a number on it, since I’m about to add that whole tax liability to the running debt total.  How about trying to reduce my debt by at least 10%.  That’s decently aggressive.  I have miles to go before I sleep, but I’m going to at least attempt to do it.
  2. Since I failed terribly at saving an emergency fund, I really absolutely need to buckle down and save some money for the emergency fund.  I guess I should put a dollar amount here.  Dave Ramsey recommends $1,000 but I love (typos and it stays) in New York City and $1,000 wouldn’t get me too far.  How about $3,000?  That’s not a maximum, that’s a minimum.  Okay then it’s resolved.  I will save at least $3,000 for an emergency fund.
  3. In order to help me save that much in my emergency fund I need to make some extra money to the tune of $250 a month.  Is that doable?  I hope so.  Okay that will be next on the list.  I will make $250 extra per month, save it, and not touch it.
  4. Life isn’t all about me and my debt.  It’s all about Puppy!  Puppy is getting a little lonely these days.  I need to take puppy to the dog park and make some friends for her.  How about trying to get Puppy to the dog park at least once a month?  She’ll love it.
  5. I did make it to the gym at least a few times a week in 2010, but this year I’m doing the cliched thing and I’m losing some weight.  It’s a bucket list item and I have to get to it.
  6. I have to have some goals for this blog.  If you’ve been with me from the beginning then you’ll notice that this blog has come a long way.  A loooooooong way.  It’s not the little engine that could anymore.  My goal for this blog is to create a get out of debt course for beginners so that those of you still fighting the good fight against debt with me can have some structure.  I absolutely hate writing everything down and all that, but some structure as to how to attack your debt is a good thing.

Okay, that’s enough for me.  I’m all about doable goals.  I can’t pledge to do something off the wall like skydiving because I know that it won’t happen.  Do you guys have goals for 2011?  Are you working on them? Are you ready for 2011?  Let’s go!

One more thing:  I told you that you should have a theme song.  My theme song for 2011 is playing already.

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28 thoughts on “What Are My Goals for 2011?

    • I’m honestly thinking that $3K is the bare minimum. I really should have $5K in there but when I look at my debt I always just push money over to the debt side than saving side. I need to change my mental outlook on the debt and shift some thought into saving more.

  • Some great goals — once they’re written down, they’re much easier to achieve. Personally, I like hard numbers and not %’s, as its easy to manipulate the %’s, rather than say, $10g less debt.

    • Well dammit you hold my feet to the site. Okay, okay. So let’s see I have about $85.5K in debt and about to add another $10.5K from the taxes to that will be about $96K. So let’s say I get it down $86K. Crap. That’s more than I’m starting with. I’m up shit’s creek.

  • Sandy! Great goals for 2011. It seems that finances are the theme within this group (haha). Your E fund is much higher than mine (I could probably get by with 500, but I think that geography and cost of living definitely needs to be factored in there.

    • Have to bring it back to basics! You can’t be a personal finance blgo without looking at the finances every so often. I’m soooo going back to square 1.

  • Great goals! Emergency fund is in our goals too. We have been trying to save for a down payment. Those are our main financial goals. I have LONG list of goals. Not sure if that is good or bad 🙂

    • I’m not good at long lists but it might be good for you! I just like to choose 1 bucket list item and then some of the larger things to focus on. I know that I’ll get the smaller ones done…At least I hope I will.

  • Great goals! Hopefully I can pick a theme song that I can stand for a whole year 🙂 I agree that $3000 is a good minimum for an emergency fund, and I am sure you’ll have a great year and knock that goal out!

    • Those are the ones that I hear stick with you the longest. At some point you have to grow a backbone and do what you know needs to get done…Right after my next ice cream.

    • Those are the ones that I hear stick with you the longest. At some point you have to grow a backbone and do what you know needs to get done…Right after my next ice cream.

  • Puppy? I am so jealous. I would love to have a puppy but it’s just not realistic right now. Best of luck with your goals, and have a happy new year!

  • Hey! I just came across this post (nice blog!) search for suggestions on an emergency fund amount for living in NYC. I thought the same thing: $1,000 wouldn’t even cover half my monthly rent!

    So I was wondering – have you made it to $3,000? Has that sufficed so far? Thanks!

    • Hi Jillian,

      Nope, I haven’t made it to $3K yet! That’s my goal for 2011. So far I have $800 saved which isn’t to bad right? If i continue at this rate I should make the $3K by the end of the year. If I had rent to pay I would probably need mroe than that. If you’re renting I think that you’d want to add at least two to three month’s worth of rent on top of the lowest amount for an emergency fund. That should give you enough time to fund a roommate to chip in for the rent in case you’re out of a job for a while.

  • Hey! I just came across this post (nice blog!) search for suggestions on an emergency fund amount for living in NYC. I thought the same thing: $1,000 wouldn’t even cover half my monthly rent!

    So I was wondering – have you made it to $3,000? Has that sufficed so far? Thanks!

    • Hi Jillian,

      Nope, I haven’t made it to $3K yet! That’s my goal for 2011. So far I have $800 saved which isn’t to bad right? If i continue at this rate I should make the $3K by the end of the year. If I had rent to pay I would probably need mroe than that. If you’re renting I think that you’d want to add at least two to three month’s worth of rent on top of the lowest amount for an emergency fund. That should give you enough time to fund a roommate to chip in for the rent in case you’re out of a job for a while.

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