Hello, beautiful people from across the lands. Is it too early to start setting 2020 financial goals? Oh well, I need a head start as soon as possible. My financial journey has been an up and down roller coaster. 2019 has been OK to me from depleted emergency funds, reaching financial goals, restarting financial goals after reaching them and so on. I am determined to get more financial wins in 2020. Who’s with me?!
Pay 15k of Debt Down Within the Year 2020
Yeah, I said it! I want to pay down $15,000 in the year 2020. My debt snowball has been slowly rolling and it’s time to get aggressive and make some things disappear. Having this debt is weighing on me mentally, emotionally, and physically. The fear I feel just thinking about it wondering will I ever be free. Dealing with this mountain one payment at a time is all I can do. I plan on being more specific in putting this goal in the framework of a S.M.A.R.T money goal. Be on the lookout for a challenge. Remember we are in this thing together!
Keep Emergency Fund Full
Having a $1,000 in an emergency fund is a good start. I highly encourage if you do not have one in place to start there. When I have to use all of my funds and start back over, I had to rethink what I can do to be better. I am currently learning about sinking funds and plan on adding them to my budget. We will get into those more closely in another post. I also decided to take my pay raise and have it automatically sent to my savings. This way I don’t feel it at all and spend it blindly. Learning to live below your means is key!
I am excited about what 2020 has in store for me. I will be entering into my 30s in just ONE day! 30 will not be a midlife crisis but a new life creation. I know I tried too hard with that one!
Until next time dream, believe and achieve.
