January Monthly Goals

January Monthly Goals


  1. Get out of credit card debt.
    1. Who: I want to get out of credit card debt.
    2. What: I will make sure I have enough money in my bank account to pay that January and Februarys’ expenses before paying off my two credit cards.
    3. When: I want to get out of credit card debt by February 7th.
    4. Where: Hmmm…. not sure if this question is necessary.
    5. Why: I want to get out of credit card debt because I’m tired of throwing away my hard earned money. I would like to enjoy my money by saving up for the future, hanging out with loved ones by going to different restaurants, road trips, or by pampering ourselves, and using that money to pay off my car.
    6. How: I will use the half payment method to get out of credit card debt. One credit card is $1,000.00 and the other is $284.93. I have enough in my bank account to cover the second credit card and pay it off; however it is not due until 1/22/16. When I start my new job on the 4th, I’ll know the new payday schedule at that time. Once I know that I can rearranged my budget to ensure I have enough money in the bank to pay for those months’ bills.
      • Good thing is that I still have three paychecks waiting for me from my previous jobs.
      • Another good thing is that medical, dental, student loan, and the first credit card payment was already budgeted for and paid!

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  1. Continue working on budget to work towards financial independence.
    1. Who: I will continue working on a realistic monthly budget that works for a single female who acquired her first job.
    2. What: I will look back at my short and term term goals for my life and successfully make a budget that will work for my lifestyle.
      • After goal 1 is completed, I can start paying down my car loan. I already have a handle on my medical, dental, vision, and undergraduate student loan bills. I need to get a handle on my cell phone, graduate student loan, and car insurance bill.
      • I also have to remember to save up for an apartment. Because of personal issues, I need to move out by June 2016. I will be saving every penny earned and finding ways to achieve financial independence.
    3. When: I would like to be credit card and car debt free by 12/31/2016. I would like to have a handle on my undergraduate student loans and graduate student loans by 1/1/2017.
    4. Where: With the previous statement said, I’d like to be credit card debt free and car payment debt free.
    5. Why: With my credit cards and car seen as bad debt, I’d like to tackle them first. With my education loans seen as good debt, I don’t have to worry about them at this current moment. I can afford to pay my undergraduate student loans. It’s the graduate student loans that I have to work into my budget. Come April 4th, I’ll call my graduate student loan officer and try to come up with a payment that works with my budget.
    6. How: So far, I’m doing well with my budget and sticking to it. It’s the moving out portion that scares me. I’ll have to worry about rent and utilities on top of my other bills. Once I start my new job on the 4th, I’ll see how much I bring in monthly and revise my budget need be.

This is going to be the hardest goal. Expect to see this goal every month for the next year! With every paycheck and every bill paid I’ll learn more about money management and budgeting. I’m going to need all the help I can get. Expect me to read up on everything regarding money management.

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  1. Continue working on getting healthy by sticking to a gym routine that works with your work schedule.
    1. Who: I will continue working on getting healthy by going to the gym.
    2. What: I get my work schedule the first day of each month. Having a work schedule for the month, I will schedule gym routines for the month. I will take advantage of my gym and the classes it provides. I will not cancel my workouts.
    3. When: I will go to the gym five to six days a week.
    4. Where: I will go to my local gym if my work schedule permits. I will pack my gym bag each night and go to the gym straight from work. If I can go to the gym before work, I will. I’ll look for fitness classes on groupon to take advantage of if I can’t go to my local gym. Only if my budget permits.
    5. Why: I want to lose five pounds by February 14th.
    6. How: Having my work schedule right there in front of me for the month will allow me to plan out my gym routines in advance. I can go to the gym before work. I can go to the gym after work. I can take a run around the town where my work is if weather permits. I can take a workout class around the town where my work is if my budget permits. I will pack my gym bag every night and put it in the trunk of my car so I will not forget it that morning.

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  1. Don’t get in trouble at work while you’re in your probation period!
    1. This should be obvious. I really want to excel and do great at this job. I feel this is my chance to gain real life work experience where I’ll learn and master transferable skills. With those skills, I would love to land a job working at a suicide hotline/crisis intervention hotline.

 

What are your monthly goals for January? Short term long term goals?

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As always, kisses on the peace sign fingers and love…

XO Jenn

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