Goals and Getting There

Goals in Mind for saving:

I think what helps us save is to have goals in mind. When I want to go buy new clothes, shoes, crafting supplies, or whatever it may be, I try to remember the much greater things we are bound for. Or the better, more life enhancing, things that we are striving for.

A big goal of ours is to not be tied to $800 per month student loan payments. In Proverbs it says that the borrower is a slave to the lender. I don’t like to be the slave to anyone. So that is goal #1.

Our next goal that runs alongside of our loans, but will probably (hopefully) be achieved first is to own a home. Whether the home is a condo, a move in ready smaller home, or a “fixer-upper” type of home,  says owning a home almost always better.

We also want to see the world. Both of us have always liked to travel, but the bug has bitten, badly, since I started my travel agent courses. There’s just so much to see!

Our travel goals are:

Europe Cruise, Hawaii, Alaskan Cruise. There’s definitely more, but that is first.  And since travel takes money, we’ve got to make more and pay down debt before we spend more.

I also feel like we should start an adoption fund for when we’re finally in the place to adopt. $30,000 gradually saved over the next ten years is a LOT easier to pay out to the Chinese and American governments when we are ready to adopt than $30,000 over the course of one year.

big dreams take big planning, but when that big planning is broken down into littler things, it makes it easier to take.

Big goals can be broken down into smaller goals. And that’s important to me, because it makes me believe we are getting somewhere.

Little goals can be things like “pay ahead one month on our student loan with the highest interest” or “for the next 6 months, put $50 per month away for a future trip”. Things like these seem little, but they do make an impact.

So what are your goals for your money? I’d encourage you to take a few moments and figure it out.

Love and Savings,
MFP