Like Grace says, it looks a lot like last year.
2010 Goal #1
Pay down credit card debt by $5000
2010 Goal #2
Fill the Save-O-Meter to $4K
2010 Goal #3
Save $10K in my 401k plan
I’ve modified my ambitions this year because well, just like Grace says, I make my goals the same as every year because I don’t meet them. So this year, I made them a little more achievable.
Goal #1 has always been to pay off my credit card debts. However, with buying a new car this year, I’m not going to fool myself. I will be glad to pay off $5K of my current balances. ($15,133.58 as of the end of December.)
Goal #2 is the same as it’s always been. It’s a mix of my regular bank savings account and my company stock purchase program. Since that’s a fast liquidating account, I’ve decided to include that into my Save-O-Meter.
Goal #3 is an aspiration. I never save the full amount I can, but this goal gives me a little flexibility to edge off my contributions so I can complete Goals #1 and #2. I also heard that I did very well in my ratings this past year, so if I contribute my full bonus to the 401k, then I’ll be able to edge off to my minimum for the match amount and have more left for Goal #1.
Say It. Then Do It.
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