2020 Goals

My entire life I have set New Years Resolutions and failed miserably at achieving them. However, over the last year, I’ve learned a lot about myself and goal-setting, and what makes for effective goal-setting.

This time will hopefully be different as I set goals for myself for 2020 and for the next decade.

Last year, I watched a video of Dave Ramsey talk about setting goals for the new year and in what areas. He said that successful people set goals in seven areas of their lives: intellectual, spiritual, finance, career, social, health, family. So when making my goals for this year, I wanted to keep these categories in mind. Below are just some of the goals I have for this year. I’ve also included some goals for the decade.

2020 Goals

Read One Book a Month
This one is pretty self-explanatory. I read a lot at work but I rarely leisurely read anymore. While we were visiting our hometown for Christmas, I brought along a book that I had been meaning to start. I finished that one in a week. I made it my goal for my vacation that any spare time I had would be spent reading that book rather than scrolling Instagram and Facebook or watching YouTube videos.
I don’t want to be too ambitious and do 20 books in 2020, although that is probably easy for me to achieve. At the end of the night on any given day, I put Amelia asleep and then go right into cleaning up the house, doing dishes, organizing laundry, etc. Once all that is done, I sit or lay in bed, watch TV on the iPad while simultaneously scrolling through my phone. I think it’ll take me a while to break this habit which is why I’m setting the goal so low. I already have several books lined up to read (since the one I read on vacation was the first in a series), so I think this will be a goal I can easily achieve.

*As a side note, since first originally writing this post at the beginning of January, I have finished two books! That means I am ahead of schedule, which is great motivation. But it also made me realize how easy it was to break the habit of scrolling my phone at night and reading instead.

Find a Church
This one is a rollover from last year. When we moved to Fresno, I really wanted to find a church and meet new people. Besides the people we know from work and our daycare, we literally know no one. In 2019, we found that Bret mostly worked during the hours churches have services. In the off chance Bret had a Sunday or Saturday off, we usually spent those days hiking. I want to make it a priority to find a church that we feel comfortable in and start making new friends.

Continue on the Journey to Minimalism
One of the biggest changes that happened over 2019 was my journey in learning that we really don’t need everything. I find that my shopping habits have changed drastically since I started budgeting and the way I view “stuff” has also changed drastically. I won’t go into it too much now, because I already have a series of blog posts about this topic coming this year, but one of my main goals for 2020 is to continue decluttering and becoming more minimal.

Decade Goals

Be Debt Free!
Last year I had this great calculation set up that told me, based on our monthly debt payments, when we would be debt free. We currently only have my federal student loans left, but the amount is daunting (just over $100k) and so is the interest (average is 6%). To me, paying off student loans feels like it’s going to take forever because the interest makes me feel like we haven’t made any progress. On top of that, we’ve paused our debt snowball to save as much money as possible for the new baby. My goal at the beginning of last year was to be debt free by the time I turn 30. However, I don’t think that is a realistic goal anymore (I turn 28 this year). The only way I foresee us paying off the student loans within two years is if one of our incomes significantly increases, but I’m not going to count on that.

Once the baby is here and we have a better grasp on our expenses adding in a new mouth to feed, I’ll be able to recalculate our debt snowball. But I know one thing for sure: these darn loans will be paid off by 2030!

Buy a House
This one is pretty self-explanatory, as well. We currently rent an apartment and recently moved into an apartment that has a yard and garage so it feels more like a home. But eventually, once we’re debt free, we would like to buy a home. Depending on when finally finish paying off my student loans, we’ll see if we actually buy a house in this decade or the next. I would like to save a significant amount of money for a down payment and a reserve for any maintenance that would be needed, and that may take some time.

Buy a Bigger Car
Recently we realized that our Jeep Patriot is not quite big enough for our growing family. While I am a little intimidated by the size of those great big SUVs, we’re thinking that eventually, we’ll have to get one. This pregnancy will be the deciding as to whether we have more kids or not (so far this pregnancy has been hard on me physically) so that will determine how big of a car we need. But I do know one thing for sure: I will not be getting a mini van. No offense to those who drive one, my mom drove one basically my whole childhood, it’s just not the car or look I want. For now our Patriot is fine, but it will be a tight squeeze.

 

Those are some of my 2020 and 2020-2030 decade goals. I’d love to hear what some of your goals are so shout out down below in the comments and we can cheer each other on!

 

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1 Comment

  • Laura January 29, 2020 at 6:23 pm Reply

    I like it! (Enter “ you can do it” meme here)

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