I'm catching up on the emails. Here's my goal setting.
Why?
For starters, I am super broke and my current income is very low. Actually I think that if I increased my spending, I would probably be a bit happier with my spending by YMOYL standards but have had to cut too many things.
So reducing a fancypants lifestyle is almost no part of my goal. I meal, sure, there's probably a little fat to cut, but that's not so much the point. It's more, I guess, that I want to get my spending dialed down so well that when I DO get a full-time job, which is bound to happen eventually (right?), I will really feel like I am sitting on a gushing fire house of income even though it would only be like $50K and I live in a pretty HCOL (Denver) with kids.
What do you hope to achieve?
See above. Dial down spending. And if I find areas where I actually want to spend MORE when I have more money (for instance: my underpants stick out the back of my pants because they are ones my sister bought for herself but didn't like, and that's just not OK), then that's fine, too.
What are your longterm life goals?
Where do you want to be in 10 years?
Doing these together. Honestly, I'm not so sure. Just got divorced and all. I want enough money to have options and to make options for my kids. Right now, my kids are, well, kind of poor kids. I mean, we're not really "poor"--I'm a middle class white woman in temporarily straightened circumstances--but they have to eat school lunch whether they like it or not because it's free, and if one of them was unhappy at school I wouldn't be able to change their school because the logistical challenges would be too expensive. So there's that.
I also would like to own our own house, even if it's tiny on a tiny plot. Just something where a little bit of outside is all mine.
What about your current lifestyle might prevent those goals from coming to fruition and what can you do about it?
Honestly, it's not my lifestyle, it's my income. I was working part-time when I was married, but now that I am on my own it's not enough. I do have 4 applications currently pending for full-time jobs, so fingers crossed. I own a paid-for car, cook all our food, live in a one-bedroom apartment, and shop so little that I actually wear hand-me-down underpants. But it's the income.