Archive for the ‘goals’ Category

um, is this not the cutest thing ever?

It’s April, which means the first quarter of the year is over. Let’s take a little looksie at the 2010 goals and see how the progress is coming, shall we? Click here for a more detailed description of each goal.


  • Become Debt-Free Done! Woohooo!!!!!!!!!!! :) :) :)
  • Continue to give 10% of my income
    Ackkk. I could use some improvement in this area. I’m tending to give about 5% of my monthly income as opposed to 10%.
  • Earn $5000 in extra income
    Last year I got about $1,700 in taxes as opposed to the $600 I am getting this year, so I am not sure if I will meet my $5,000 goal mark this year or not. But I’m still making some progress! I’ve earned $1,503 which is 30%.
  • Figure out Retirement Goals once I’m debt-free Done!
  • Reach $20,000 in net worth
    I started the year off with $5,383 and have
    $9,240 now. In the next nine months I need to increase it by $10,760 to reach this goal, which is $1,119 per month.


  • Workout 3 times a week or 156 times the year
    I’ve worked out a total of 26 days this year which is just plain pathetic. January: 15 days; February: 3 days; March: 8 days.
    If I am to reach this goal, I need to workout four times a week for the rest of the year.
  • Cook one new recipe per month & blog about it
    I’m cooking new recipes but I am not blogging about it! That’s because I like pretty pictures and my camera slash photo-taking skills are just not up to par.
  • Get to 115-120 lbs
    I weigh between 125 and 128 pounds right now, which is fine. I think that if I can stay between 120-125 then I’ll feel healthy.


  • Start a Me Fund & buy something at Tiffany’s
    The Tiffany’s Fund has started!

  • Get a raise or promotion at work Done!
  • Switch the blog to self-hosted with unique URL
    I’m doing that this weekend!
  • Read 12 books
    So far I’ve read two books: New Moon (I was stuck on the cruise!) and Angels and Demons. I have four library books checked out right now and a long list (thanks to you guys!) of books I hope to read this year.
  • Live in the same town as J
    It’s in the works. That’s all I will say right now. ;)

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Bye March; Hi April!

Ahhh… a new month is upon us. That means new paycheck, new goals, a fresh start. I love it. :)

March Goals:

  • Become debt free!!!!!!!
  • Go to the gym 12 times
  • Cook something new
  • Figure out new budget
  • Update blogroll

Of course not going to the gym would be the one goal I fail at this month. Everything else was pretty standard, although I’m seriously disappointed with my March budget. But more on that in a later post.

April Goals:

  • Reach $10,000 in net worth (dare I try?!)
  • Go to the gym 12 times
  • Only spend $100 in groceries
  • Don’t use credit card or savings for any living expenses. (Sadly it happened in March)
  • Attend the Cherry Blossom Festival
  • Have a fabulous time at my friend’s bachlorette weekend.

Here’s to a happy and productive April!

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What’s Next?

A few of you asked what I plan to do now that I am debt free (yay!), and that’s a good question since my focus has been primarily on whacking away debt since starting this blog. Well, first things first, I need to get through March! My monies are slowly dwindling and it’s only the 11th. But after Surviving March, my mission is going to be save, save, save, save, SAVE!

Save for something pretty
I have a “Me Fund” where I am saving for a piece of jewelry at Tiffany’s to remember my journey towards becoming debt free. I’ll let you guys vote on what you think I should buy. :)

Operation: Save for Emergencies!
My next big milestone will be reaching $10,000 in my Emergency Fund. If I save $650 a month, I can reach $10,000 by January 2011. (So exciting!!!)

Save for Car Repairs
I have been slowly adding earned money this month to my Car Repair Fund to help the costs of replacing my car’s clutch a few weeks ago. After it’s back to a normal $500-700 amount, I’ll continue to add $25 a month.

Save for Gifts
I created a Gift Fund, which is just last year’s Christmas fund. I find myself slightly stressed when I hear someone is getting married because I know that month will be expensive, so I am going to give $50 minimum each month to the Gift Fund to have a pool of money to use for birthdays, weddings, and Christmas.

Save for Retirement
know I should be giving more than $100 a month to my Roth and 4% of my salary to my 401k… but after a hard internal battle I decided I will feel more comfortable with $10,000 in liquid savings than a really large retirement fund.

Save for a Wedding
I want to pay for my own wedding but this is on pause until I have a fully-funded E-fund.

The Post-Debt Budget

The last few budget items don’t have an amount listed because each month varies so I just make sure to stay with the leftover money in my account.

Any questions? If you were me, would you do something differently? Suggestions welcome!

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March Goals:

  • become debt free!!!!!!!
  • go to the gym 12 times
  • cook something new
  • figure out new budget
  • update blogroll

February Goals, recapped:

  • see J sometime
  • pay a TON of money towards my debt!
  • stay within budget
  • go to the gym 12 times minimum [EPIC fail… I went 3 times! I blame the Snow Crisis of 2010]
  • file taxes
  • update blogroll
  • cooking something delicious oops forgot to blog about it
  • read at least one book

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February Goals

February has always been a transitional month from the dreadful January to March, a month filled with family birthdays and glimpses of Springtime. This February is going to be very tight financially, but I am okay with that because it is a short month.


1. See J sometime
It’s over a month since we saw each other, so I’d like to plan a trip down or have him visit me. It’s time; I miss him.

2. Pay a TON of money towards my debt!
I have a number in mind, but won’t disclose that until later this week. ;) Part of this goal is to pay it, the other part is to…

3. Stay within budget
Eek! I wonder if I can do it!

4. Go to the gym at 12 times minimum.
(…and hopefully lose at least 3 pounds…)

5. File taxes
Also figure out refund amount and where that money will go.

6. Update blogroll
I have so many new blogs added to my Reader and I really need to share with you all.

7. Cook something delicious
…& blog about it with pictures.

8. Read at least one book!

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Farewell January!

Whew! I not sorry to say goodbye to January! It’s definitely my least favorite month, however, the lack of social life and staying in on cold evenings were helpful for my budget. Here’s the recap of January Goals:


1. Create professional goals after Employee Review
Check! Read my goals here.

2. Increase Net Worth by $1000.
Check! I was very nervous about not meeting this goal, but I managed to increase my net worth by about $1,011. More details on that later… :)

3. Pay $800 plus any extra income towards my debt.
Check! I haven’t put all of my extra income in yet, but I will this next week.

4.  Go to the gym minimum 12 times (3x per week)
Check! I managed to go to the gym 15 times this month, the most I’ve probably ever. It helps having a schedule and the 10 in 10 is good motivation.

5. Go to cooking class and blog about it!
Check! Read about it here.

6. Stay under budget for girl’s weekend

2010 Goals Accomplished in January:

  • Get a raise or promotion at work — Done!

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January Goals

Better late than never…


1. Create professional goals after Employee Review
Sometime this month I will have an employee review and I hope to create professional goals for my job and career based on the feedback I receive from this meeting.

2. Increase Net Worth by $1000.
I have a feeling this month is going to be very expensive so I’m not sure if I’ll reach this, but I’ll give it a try.

3. Pay $800 plus any extra income towards my debt.

4.  Go to the gym minimum 12 times (3x per week)

5. Go to cooking class and blog about it!
Thanks to Forest for his generous Christmas gift, I will be attending a cooking class this weekend! I’m so excited!

6. Stay under budget for girl’s weekend
Three of my old girlfriends that live far away are visiting me MLK weekend, and I have a feeling it is going to be a very expensive weekend. As long as I don’t go into savings or debt this month, this goal will be met.

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December’s Goals Recap

December Goals:

1. Increase net worth by $1,000. Check!
I have a theory that my net worth is really good every other month so December ended the year very nicely. More details on that to come!

2. Cruise goals:

Get a really good tan. Check!
-Don’t use the elevator at all. Check!
-Have a fab time. Check!

3. Kiss J at midnight on New Year’s Eve. Check!
Last year I didn’t make my New Year’s kiss so I’m happy to announce it happened this year. :) The evening was pretty much perfect with delicious clam chowder, dear old friends, holiday cookies, champagne, and of course the midnight kiss.

4. Update blog with holiday header. Check!
Now I just have to replace it with something less holiday-like….

5. Recap 2009 goals and decide 2010 goals. Check!
I love creating attainable goals and am so pleased that I met most of my 2009 and have some really great ones for 2010.

6. Watch at least 3 holiday movies. Check!
I think I watched all of the movies I wrote about in this post.

7. Workout a decent amount. Check!
I worked out about 10 times in December which may be a holiday record for me. On the cruise I even worked out two times in the gym, not to mention taking the stairs the whole time.

8. Have a holly, jolly Christmas! Check!

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2009 Goals Recap!

Goals in 2009

  • Save $300 for Christmas by November 2009
    I’m having a debt-free Christmas!
  • Contribute $700 in Roth IRA
    Done! I contributed $900.
  • Pay off two of my three student loans
    Done! Yay!
  • Pay off $4000 of the $8k I owe my parents
    Now I have $2500 left!
  • Make an extra $2,009 in 2009
    Made $5,016!
  • Have a $0 net worth by January 2010
  • Sew a quilt!
    I too
    k a quilting class and made a small one, but didn’t make one for my bed like I wanted. Oh well!
  • Complete the Baltimore Half Marathon
    I’m not a huge fan of races and am very thankful this is behind me.
  • Lose 10 pounds by July 11th (best friend’s wedding)
    Lost only 5 pounds. Oh well!
  • Get a promotion or raise this year
    Wow what a huge blessing this was!
  • Grow a garden
    Done… if herbs count.

I like making achievable goals and I think I did a pretty good job of that this year! Not sewing a quilt and losing another five pounds is nothing to cry about. What a great year it’s been.

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2010 Goals

Financial Goals
Become debt free

At the beginning of 2010, I will have $2500 left to pay on my debt. I should be able to pay this off in March with extra income plus any tax refunds I receive.

Save $10,000 in an Emergency Fund
Honestly, I will evaluate my saving goals once I am debt-free. Right now my plan is to save, save, save like it’s job. Sure I’d love to contribute it to retirement, but right now I’m a little nervous with so little savings and a 1994 car and a wedding that may happen in the next two years. So if I can get as close to $10,000 in savings then I will feel more comfortable.

Continue to give 10% of my income
I got a little slack on this near the end of 2009 but I want to make giving a priority. I also want to find unconventional ways of giving to others.

Earn $5000 in extra income
Last year I made over $5000 in extra income. I think I’ll be able to continue that if I work hard and get creative.

Figure out Retirement Goals once I’m Debt-Free
I will reevaluate this after my debt is paid off. I am nervous and feel that saving for the 24 to 30-year old Me is more important than saving for the 65-year old Me.

Reach $20,000 in net worth
I will have to increase my net worth by $15,000 in 2010 in order to reach this goal. Yipes! That seems like a lot… but with investments, extra income, and hard-core savings, I think I can reach it.

Health Goals
Workout 3 times a week for the entire year/Attend the gym 156 times.

I don’t want to set a health goal like “lose 5 pounds” because once I lose it, I’m done?  I’m tired of having specific goals like that. So this year I give myself the goal of going to the gym 3 times a week minimum. I want working out to be a part of my routine and need to figure out a schedule that works–probably early in the morning. This doesn’t count on vacations since I may not be accessible to a gym.

Cook one new recipe per month and blog about it.
The real goal is to become a better cook, but that’s too vague, so I’m challenging myself to learn 12 new recipes. Also part of the goal: Blog about each of the meals. :)

Get to 115-120 pounds
If I make fitness a part of my regular routine, then surely this will happen. Right now I weigh about 130 pounds at 5’3”.

Start a Me Fund
Read here to see why it was started. I plan to buy a Tiffany’s piece of jewelry to celebrate being debt-free.

Get a raise or promotion at work
Because my company is operated on contracted clients, the ebb and flow of work varies. There is a chance I could get a promotion if we get more clients. As for a raise, I have a review in January but don’t anticipate a raise since I received one August 2009.

Switch the blog to self-hosted with own URL
I am Miss Illiterate when it comes to techy blog things. Nevertheless, I really want to have a self-hosted, uniquely branded blog. Anyone want to volunteer their expertise services? My email is myprettypennies[at]hotmail.com. :)

Read 12 books
I love reading but rarely give myself time to finish a book before it’s due at the library. If I read one book a month then this should be accomplish. Also part of this goal: NO LIBRARY LATE FEES!

Live in the same town as J
I am 100% confident that J and I can stay together and remain long distance for another year… but it would be nice to live closer than 5 hours. *Sigh* I am hopeful!

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