2013 – Looking Forward

For 2011 I did a year in review as well as a spending summary in order to better determine what my 2012 goals should be. That uh, did not end up well. The goals I set were achievable in a perfect world, but 2012 was not the year I thought it would be. So this year, instead of making several very specific and numerical goals, I just made a huge list of everything that I would want to accomplish and then weeded out what was actually achievable this year based on what I know my spending habits to be and my anticipated income. I found that they really fit into three categories. I’ll be updating these as I achieve them on my Goals page, and doing a brief “This is where I stand!” at the end of each month.

physically fit

I would love to be debt-free this year (wouldn’t we all?), but I know that’s in no way any kind of realistic unless a long lost relative leaves me some money or I win the lottery (which would be really amazing since I don’t play). From my 2012 spending analysis, I was able to really clearly see where I need to get more financially fit. Because I need to save up as much as I can to pay for tuition this year (since I a-don’t want to take out more loans and b-am ineligible to take out more government loans), I can’t do a lot in the way of debt repayment…but this year I do have pretty set monthly billing system and a steady income, which has not been true for any other year. I also saw my credit score…which is “average” (mid-600’s) but I don’t plan to leave it there. So what will I ultimately accomplish this year?

  • Raise my credit score
  • Raise my Networth by $2062.26 (minimum)
  • Save $2580 for tuition
  • Keep a standardized budget for each month and split excess funds between my Discover Card and my emergency fund
  • Start an IRA fund
  • Keep a mock portfolio with Morningstar
  • Find an apartment with lower rent for 2012-2013
  • Create a loan repayment plan

physically ffit

I could just sit here and say “Man I’m tired of feeling fat! I want to be skinny!” but, it’s much more than weight. Besides, weight doesn’t necessarily determine how fit you are (though I do have a numerical weight goal). I would like to be able to go hiking, buy boots that aren’t a size too big to fit my calves, and a slew of other things. I’ve been using My Fitness Pal so far this year to log everything I eat and all of my workouts, and of the 61 lbs I’d like to lose, I’m already down 10!

  • Lose 61 lbs
  • Do yoga regularly
  • Run 5 miles straight
  • Volunteer with Habitat for Humanity again
  • Complete a 5k, 10k, & half-marathon

pphysically ffit

This not only includes managing my own mental health better, but also my education. I could say “I should have graduated in December” but really…I should have graduated years ago. BUT DARNIT – it’s happening this year! I have three classes left for my BS in mathematics (with a minor in psychology), and although I’m not quite sure what I want to do with it, I’m going to figure something out by then.

  • Graduate with my BS with no additional loan debt
  • Become CPR/First-Aid certified
  • Read 100 books
  • Relearn American Sign Language
  • Learn to read sheet music

Summary

I do have a lot I wish to accomplish this year, but I don’t want to do a 2013 recap and be regretful of poor spending and realize that I didn’t accomplish what I wanted to again for lack of willpower and want. I guess a big difference this year is that I feel like a completely different person. It’s like I spent all of 2012 rediscovering who I was and creating my own identity independent of other people. Now that I know who I am and have and idea of where I want to go with my life and have people I want to keep in my life, I need to work on improving my life. A month ago I was hit with the sudden realization that I’m 24 with a full-time job and bills and have a future ahead of me outside of perpetual undergradhood, which is all I saw for myself this time last year.

When I realized I'm 24 and pretty much an adult with a job and an income.

And I guess all of that came to a head when my mom warned me of “how much my car insurance was and when it’s due.” Which, as of my phone contract ending (and me going with pay-as-you-go), means I am officially independent of my parents. So here’s to getting my life together!