Author Topic: January 2019 Goals  (Read 2184 times)

frugalkristen

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January 2019 Goals
« on: December 23, 2018, 10:46:41 AM »
Starting to plan January goals - I like to have realistic goals so I don't fail!  This is my plan:

*Eat out of the pantry/freezer.  This should be pretty easy since I have a few things on hand already.  I want to stay under $50 at the grocery store for the month.  Fresh fruits/veggies will need to be purchased throughout the month but hopefully not much else.

*Treat myself to a lunch or two out - only using gift cards.  My boyfriend and I have a few GCs to use and that will be our treat for the month.

*Fully fund my Roth IRA.

*Create an updated budget for 2019.

Anyone else making plans for January?

Serendip

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Re: January 2019 Goals
« Reply #1 on: December 23, 2018, 11:01:04 AM »
@frugalkristen I like the idea of monthly goals.
 Was just thinking this morning about a few of mine, will update if I think of more :)

*meditate minimum 20min/day

*keep phone in a small pouch/purse to avoid unnecessary checking and don't charge it at night in the bedroom
(sparked when I read that on average we now touch our phone around 150times/day)

*track spending

mountain mustache

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Re: January 2019 Goals
« Reply #2 on: December 24, 2018, 07:29:33 AM »
I want to jump start the year with a super frugal month. It's a 3 paycheck month for me, so I'd love to save as much as I can. I also have to get the suspension replaced in my (old) car, so that will be a painful $1800.00. My goal is to spend as little as possible aside from that big car service, so in February, it will be like it never happened!

Budget Goals:
Groceries- under $200.00
No Eating out/alcohol
Personal Care- Under $40.00
Misc- Under $60
Gas- Under $80.00 (have one big trip to the city I will have to make to take the GRE!!)

Personal Goals:
- Get back into the swing of my normal healthy eating post holidays. I've actually done great at not indulging too much in the constant junk food that is around me, but I usually am a bit stricter about sugar consumption than I've been the past couple of months.
- rest more. I have been pet sitting (my side job) almost constantly since November, and I need a break! It has been great to have the extra cash, but I want to take a month off and enjoy my quiet, simple life a little more.

SquashingDebt

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Re: January 2019 Goals
« Reply #3 on: December 24, 2018, 05:30:44 PM »
I'm in!

- No desserts/sweets for the month (reset after the holiday indulgence)

- Eat from your pantry (and mostly freezer, in my case) challenge

- Get back into my exercise routine, going to my exercise class at least 10x in the month

use2betrix

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Re: January 2019 Goals
« Reply #4 on: December 24, 2018, 05:39:28 PM »
Run a sub 20 min 5K while still being able to squat 2x body weight and bench 1.5x body weight (I just started running this past June)
Run 500 miles over the year
Hit $6k/mo or less spending for at least 6 months

2Birds1Stone

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Re: January 2019 Goals
« Reply #5 on: December 25, 2018, 04:06:31 AM »
Run 50 miles
Spend <$1250
Weight training 12 times
Get rid of 12 items (clothing/gadgets)
Read 1 Book
Meditate 3 x a week

marty998

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Re: January 2019 Goals
« Reply #6 on: December 25, 2018, 04:22:02 AM »
Run a sub 20 min 5K while still being able to squat 2x body weight and bench 1.5x body weight (I just started running this past June)
Run 500 miles over the year
Hit $6k/mo or less spending for at least 6 months

What is your best time? Sub 20 minute isn't a walk in the park, especially if you are new to running. I'd suggest you are going to need a lot more than 500 miles to get there.

I also have a sub 20 min goal (eventually), but realistically from a best of 23:30 at the moment, I'm likely to only get down to ~22 this year.

use2betrix

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Re: January 2019 Goals
« Reply #7 on: December 25, 2018, 07:43:08 AM »
Run a sub 20 min 5K while still being able to squat 2x body weight and bench 1.5x body weight (I just started running this past June)
Run 500 miles over the year
Hit $6k/mo or less spending for at least 6 months

What is your best time? Sub 20 minute isn't a walk in the park, especially if you are new to running. I'd suggest you are going to need a lot more than 500 miles to get there.

I also have a sub 20 min goal (eventually), but realistically from a best of 23:30 at the moment, I'm likely to only get down to ~22 this year.

You are right, I definitely may be optimistic. I don’t know a whole lot about running and as I mentioned, I’ve just been doing it for 6 months. I’m at about 24 minutes right now. I haven’t trained seriously and never ran more than maybe 12 miles/wk (though I easily could). I also have about 10-15 lbs I can drop for it.

I might be way off in my goal, but I’ll stick to it for now and see what happens when I have an actual training regimen in place.

haypug16

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Re: January 2019 Goals
« Reply #8 on: December 25, 2018, 05:25:38 PM »
Here are my goals for the month;

1. Stick to budget ($2,105)
2. Pay down SL by $1,400
3. Save $340 in various accounts
4. Increase Net-worth by $3K
5. Save $1K in 401K
6. Finish reading "Childbirth without Fear", "The Stand", and "Lady of the River"
7. Do yoga 2x a week
8. Go to the gym 2x a week
9. Hit 10K steps a day (20+ days)
10. Have 10 no spend days (or under $5 spending)

minnie1928

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Re: January 2019 Goals
« Reply #9 on: December 25, 2018, 07:30:25 PM »
If all goes as planned, we'll be paying off our mortgage in January at which point we'll be completely debt free!

Luckyvik

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Re: January 2019 Goals
« Reply #10 on: December 26, 2018, 03:27:32 AM »
I've had an interesting 2018 including 3 months overseas for DH's job and a change of jobs for me. As I didn't work for 6 months during, before and after the trip overseas and we had a couple of other overseas trips we didn't save much in 2018 apart from maxing out our pre-tax retirement accounts (superannuation) of $25k each including employer contributions which was about half of that, work share purchase plan for DH of approx $5k and $5k of VAS ETF's for me with my tax return. Ok $60k that is still a lot!

2019 goals:

1. Max out retirement accounts (Aus Superannuation) 25k each by June 2019 (For 2018-2019 financial yr)
2. Save my entire paycheck and live off DH's paycheck
3. Negotiate promotion at work or seek higher earning job of at least 10k/yr by June 2019 (This is a stretch goal)
4. Track all spending for January and work out what can be cut/minimised, I got a bit spendy pants with clothing purchases towards the end of 2018.
5. No clothing/shoes etc spend for January.

Non-money goals:

1. Exercise at least twice a week (class or bodyweight exercises, I quit my gym membership last year)

2. Investigate side hustle possibilities - January
« Last Edit: December 26, 2018, 03:30:19 AM by Luckyvik »

tnrunner

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Re: January 2019 Goals
« Reply #11 on: December 26, 2018, 09:06:05 AM »
January 2019 goals

1. start the year with a three day fast
2. Read one book
3. Listen to two audiobooks
4. Run 3x per week
5. weights 3x per week
6. Close on second rental property
7. Increase TSP contribution by 2%
8. $1,000 to principal on car loan
9. meal plan


MaybeBabyMustache

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Re: January 2019 Goals
« Reply #12 on: December 26, 2018, 10:04:20 AM »
Goals for January:
1) 31 workouts
2) Cash flow our property tax payment
3) Keep grocery spending to $625 & dining out to $100.
4) Identify 3 new items to sell for my side hustle
5) Figure out craft project for 2019 homemade Christmas project

KathrinS

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Re: January 2019 Goals
« Reply #13 on: December 26, 2018, 01:56:18 PM »
My life has changed enormously in 2018, which was my first full business year as a self employed person. So for January, I‘m hoping to:

- Fill some of the last gaps in my schedule with clients.
- Invest in my ISA (UK tax free account) in order to hit the maximum allowance by April
- Fill up my emergency stash of about 3 months‘ living expenses - I depleted this to pay for a yearly train ticket which will save me £320 in 2019.
- Meet some more new people in London, as some old friends have moved away.

zoe2dot

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Re: January 2019 Goals
« Reply #14 on: December 30, 2018, 04:44:39 PM »
January goals
...read 1 book
...gym 3x week
...sit cross legged 10 mins a day
...in PJ'S w face washed etc by 915pm weeknights (don't have to go to bed until sleepy)
...finish off last of Root aperitif
...get started on bottle of l'Olmaia
...pick up one piece of street trash a day
...start a bullet journal
« Last Edit: December 30, 2018, 10:12:55 PM by zoe2dot »

zeli2033

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Re: January 2019 Goals
« Reply #15 on: January 01, 2019, 11:10:02 AM »
This month's goals:

1. Stick to budget - no more than $2,700 on expenses (exception will be anything put toward student loan)
2. Workout 3x/week
3. Ride bike to work 15 total times
4. Yoga 1x/week
5. Eat down fridge/pantry - spend less than $700 on food for the month (abysmal by MMM standards, stretch for us)
6. Start journaling

BurbPlanner

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Re: January 2019 Goals
« Reply #16 on: January 01, 2019, 09:22:21 PM »
January goals:

1. maintain fasting protocol until goal weight of 150, then reassess goal
2. pay off credit card (about $1000)
3. set up 457 contributions to max out this year
4. set up auto-save for e-fund
5. complete end of year net worth report

First Quarter:
1. pay off car loan with tax return (about $2500)
2. remainder of tax return to IRA (determine trad or ROTH)
3. follow at-home strength building program
4. plan family vacations for next 3 years and create travel hacking strategy

let's go!

brandon1827

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Re: January 2019 Goals
« Reply #17 on: January 02, 2019, 08:56:47 AM »
1. No "out" food unless it's a holiday gift card
2. Work out at least 12 times (3 times per week)
3. Keep grocery spending under $500
4. Begin debt snowball plan
5. Stick to the budget (no off-plan spending)
6. Spend $0 on entertainment (movies, etc.)
7. Convert expensive DirecTV subscription over to less expensive option (Hulu, Vue, Sling, etc.)

Raenia

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Re: January 2019 Goals
« Reply #18 on: January 02, 2019, 09:10:29 AM »
Goals for January:
1. Decrease screen time - screen free between getting off work and DH getting home, and screens off after 8pm
2. Small workout at least 5 times/week
3. Pack lunch every day for work
4. Cook a new recipe
5. Read 4 books

comicguy

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Re: January 2019 Goals
« Reply #19 on: January 02, 2019, 03:44:14 PM »
Goals for January:

Lose 5 pounds
Drop the soda habit
Eat out no more than 1x/week (prefer less)
waste less food
Declutter 50 items
Read 2 books

kaleidoscopicalkris

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Re: January 2019 Goals
« Reply #20 on: January 02, 2019, 04:25:08 PM »
Goals for January:
Write a journal entry every day
Cook a real dinner at least 3/week
Read 1 book/week

diapasoun

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Re: January 2019 Goals
« Reply #21 on: January 03, 2019, 03:53:11 PM »
Jumping in! I like seeing people's goals. :)

1. Average 13,353 steps a day.
2. Exercise 3x/week
3. Save $1283.85
4. Read a book from pre-2019 collection.
5. Make and send stuffed pumpkins.
6. Use rest of black yarn (cowl?).
7. Yoga 4x/week.
8. Get alumni ID.

It's early on, so no review yet for how I'm doing. :) I'm on track for my weeklies so far, though!

ThreeCarbsNoGrains

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Re: January 2019 Goals
« Reply #22 on: January 03, 2019, 05:46:35 PM »
Last year’s monthly goals threads were a big help to me!  Focusing only on one month at a time has helped me identify what I need to do right away and helped me avoid procrastinating.

January 2019:
-Lose 8 lbs
-Save $2,300 to my home down payment fund
-Stick to my daily Bible reading plan
-eat lentil soup for lunch every day (easy tactic to save money and eat healthier)

I love reading everyone’s goals!  I’ll check back in later in the month.

use2betrix

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Re: January 2019 Goals
« Reply #23 on: January 03, 2019, 06:20:57 PM »
Goals for January:
Write a journal entry every day
Cook a real dinner at least 3/week
Read 1 book/week

I recently read a book called “Atomic Habits” (add it to your list) and it mentioned the “habit” of starting to write journal entries. It mentioned starting very easy and slow so not to get burnt out and to be excited to journal. Even as much as just doing 1 sentence a day and slowly building over time.

I had a great aunt who filled probably 100+ journals all filling the space above the cabinets in her kitchen. You could ask her about historical events, like WWII, and she could go right to the journal for that era and look back on her thoughts that day. Truly amazing.

kaleidoscopicalkris

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Re: January 2019 Goals
« Reply #24 on: January 04, 2019, 08:11:49 AM »
Goals for January:
Write a journal entry every day
Cook a real dinner at least 3/week
Read 1 book/week

I recently read a book called “Atomic Habits” (add it to your list) and it mentioned the “habit” of starting to write journal entries. It mentioned starting very easy and slow so not to get burnt out and to be excited to journal. Even as much as just doing 1 sentence a day and slowly building over time.

I had a great aunt who filled probably 100+ journals all filling the space above the cabinets in her kitchen. You could ask her about historical events, like WWII, and she could go right to the journal for that era and look back on her thoughts that day. Truly amazing.

use2betrix, that story about your great aunt is amazing! I should see if I can find copies of my deceased relative's journals - my grandma is big on genealogy, so she probably has some floating around her house. I placed a hold on Atomic Habits at the library - thanks for the suggestion!

Jim Fiction

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Re: January 2019 Goals
« Reply #25 on: January 04, 2019, 08:37:31 PM »
Going to keep it pretty simple for January:

Keep track of all spending
Rein in spending that got out of control the past few months
Lose at least 5 pounds
Put $625 towards IRA (catch-up 2018) Already completed
Consume zero beer
List at least 5 items for sale on eBay
Organize pile of papers currently sitting on my desk

haypug16

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Re: January 2019 Goals
« Reply #26 on: January 07, 2019, 08:53:37 AM »
Well January is not going so well. My cat had to be taken to the vet and she is currently staying there getting testing/treatment for Kidney infection (or potentially Kidney Failure) I had to put a $2k deposit down for treatment. Mr Pug will split this with me thankfully but my budget is still shot for the month.

1. Stick to budget ($2,105) - Not happening
2. Pay down SL by $1,400 - Will most likely be $1K
3. Save $340 in various accounts - Still planning on hitting this
4. Increase Net-worth by $3K - Probably closer to $2k but still a nice increase
5. Save $1K in 401K - Will be $1,100 as I increased my contribution (will go up more next month too)
6. Finish reading "Childbirth without Fear", "The Stand", and "Lady of the River" - Still working on these. I've had zero interest in reading this month
7. Do yoga 2x a week - Just once a week so far but should get at least 2 yoga sessions in this week
8. Go to the gym 2x a week - big zero so far, thankfully my work pays for my membership!
9. Hit 10K steps a day (20+ days) - 1 day so far!!!! yikes better step on it, I basically need to hit 10k every day remaining this month
10. Have 10 no spend days (or under $5 spending) - 2 days so far not bad, I hope to actually get more no spend days so I can off set this vet bill

diapasoun

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Re: January 2019 Goals
« Reply #27 on: January 07, 2019, 03:05:22 PM »
I'm so sorry to hear about your kitty, haypug, and I hope that she feels better very soon (and that you and Mr Pug are holding up okay).

Progress so far:

1. On track for steps.
2. Exercised three times last week!
3. Haven't been paid yet this month, so no progress on savings for the month.
4. Finished a pre-2019 book last night!
5. No progress on stuffed pumpkins.
6. No progress on yarn usage.
7. Did yoga twice last week, need to make sure I'm not screwing up my foot.
8. No response from alumni department.

MaybeBabyMustache

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Re: January 2019 Goals
« Reply #28 on: January 07, 2019, 08:21:35 PM »
Status a week in:

Goals for January:
1) 31 workouts - 7 complete. I need to get after it, because I have two business trips in a row starting next week, and jet lag usually really hurts my routine.
2) Cash flow our property tax payment - done.
3) Keep grocery spending to $625 & dining out to $100. - this is going to be tight. We unexpectedly ate out while skiing (caught in a snowstorm), but that is our travel budget. We've spent a lot on groceries, stocking up after being out of town, plus I had to buy ingredients for my son's school cooking final project. At least $35 on that. I was unimpressed.
4) Identify 3 new items to sell for my side hustle - I have three items, but can't list them on eBay, given my travel schedule & mailing. I'll have to get them listed when I'm back.
5) Figure out craft project for 2019 homemade Christmas project - no, but I now have the name of the person I'm crafting for. If anything, it makes it more challenging. He's a 16 year old boy. :-)

zeli2033

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Re: January 2019 Goals
« Reply #29 on: January 07, 2019, 08:29:53 PM »
This month's goals:

1. Stick to budget - no more than $2,700 on expenses (exception will be anything put toward student loan) Hmmmm so far looks like we're tracking okay. We have $644 left for the month but that only has to cover food and a haircut. Should be able to do it.
2. Workout 3x/week hehe last week was a wash, I got in 1 workout and that was a fight. Hoping to get to the gym tomorrow AM...
3. Ride bike to work 15 total times 1/15 so far...have some catching up to do
4. Yoga 1x/week Went once last week, need to find time to go again this week
5. Eat down fridge/pantry - spend less than $700 on food for the month (abysmal by MMM standards, stretch for us) $281/700. Well we somehow spent an obscene amount of money on groceries this first weekend and idd not spend enough effort eating what we already have. Need to play catch up here.
6. Start journaling Started, and it feels good!

Raenia

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Re: January 2019 Goals
« Reply #30 on: January 08, 2019, 06:25:17 AM »
Week 1 update:

Goals for January:
1. Decrease screen time - screen free between getting off work and DH getting home, and screens off after 8pm - Going ok.  Pretty good at not getting on when I get home, but I'm sliding later into the evening to compensate.  Most nights going to 8:30 or even 9.  Need to keep working on this.
2. Small workout at least 5 times/week - Missed one day last week, but made it up over the weekend.
3. Pack lunch every day for work - On track
4. Cook a new recipe - Not yet, but I have a recipe picked out.  Just need to get the ingredients I'm missing.
5. Read 4 books - Ahead of schedule - 3 down.  One was a bit of a cheat, though (reread), so I'll try to get at least 2 more for the month.

tnrunner

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Re: January 2019 Goals
« Reply #31 on: January 08, 2019, 12:04:45 PM »
January 2019 goals

1. start the year with a three day fast  Done
2. Read one book   should finish this week
3. Listen to two audiobooks  Done
4. Run 3x per week  On Track
5. weights 3x per week  on track
6. Close on second rental property  set to close 1/24!
7. Increase TSP contribution by 2%  no change yet
8. $1,000 to principal on car loan  will revisit after closing
9. meal plan  on track

haypug16

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Re: January 2019 Goals
« Reply #32 on: January 08, 2019, 12:22:13 PM »
I'm so sorry to hear about your kitty, haypug, and I hope that she feels better very soon (and that you and Mr Pug are holding up okay).


Thanks, we actually ended up having her put to sleep. It was very hard and we're both really heart broken over it. She was a great cat.

diapasoun

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Re: January 2019 Goals
« Reply #33 on: January 08, 2019, 01:06:38 PM »
Oh @haypug16, I'm so, so sorry. I had something similar happen with my cat in October and it is the absolute worst. It is amazing how many pieces a heart can shatter into.

chaskavitch

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Re: January 2019 Goals
« Reply #34 on: January 08, 2019, 03:47:20 PM »
Late to the party, but I'm in.

Goals:
1) Don't spend anything on myself
2) Stick to our budget for groceries, household, and kid expenses
3) Floss every night (this is my only 2019 resolution :)
4) Do 15 squats a day - I'm 30 weeks pregnant, and I'm definitely not diving into a new fitness routine right now, but this is 100% doable from now on.