Don’t you just love New Year’s? And making lists? I feel like I get so much more done if I can write out a list. I have been inspired by other bloggers to publicly post my 2017 Goals. Be sure to check back for weekly posts to for updates on my progress.
I am really excited to see how well I do at making these goals a reality!
Here it goes…
1. Pay Down Our Mortgage
We moved into our current house in August, 2016. This has been a whirlwind year that you can read about HERE, but long story short, there were some MAJOR life changes. Things happened really fast with a job change for my husband and then in the middle of trying to find a new home in our new area, my husband had open heart surgery. He is well, but, in hindsight, we may have made a different purchasing decision if the heart surgery had happened before putting a contract on our current house. At this point, we want to see how fast we can pay down the mortgage and make a decision in a couple of years about staying or downsizing. So for 2017, our goal is to pay an extra $7000 in principle payments on our mortgage.
2. Frugal Gift Giving
I really enjoyed making the Italian Food Gift Baskets for Christmas gifts this year. For 2017, I would like to do more of the same–but take it to the next level. I will use any reward dollars (Discover, Ibotta, Checkout 51, Ebates) towards gift cards. I also plan on making as many gifts as I can. Goal: Spend less than $100 out of pocket for gifts in 2017. Zero would be even better.
3. Buy only what is essential and choose to buy used when possible.
I almost made a goal of buying nothing new. But, there is this kinda big event in 2017–my daughter is getting married. I am going to want some new items for that occasion. So, I will, whenever possible, choose to buy used items. Generally, I am going to try to avoid stores. I have lots of makeup, cleaning supplies, sewing supplies, food and personal care items to use up. I plan on trying Kroger Clicklist so that I can avoid walking through the grocery store and picking up items I really don’t need. Amazon will be useful for purchasing staples like laundry detergent and bath tissue. Save on gas and stay out of the stores. .
4. Plan and install Edible Landscaping
Our new home has a really sloped backyard, so my hubby is going to try and build a couple of terraced raised beds. I am also going to look for dwarf fruit trees and plant a few that are appropriate for our climate. You might say “why invest in trees and beds if you may sell your house in a couple of years?”. I consider it paying it forward. We had done the same in the last two houses we sold and both buyers really liked the raised beds we had installed.
5. Look for new ways to cut spending
We are pretty good at the frugal thing, but I want to try to go to the next level. We have relaxed since we paid off our consumer debt back in 2010. It is time to get intense again. Back to basics. We will really be examining our budget categories to see where we can cut.
6. Look for side hustles to earn an extra $5000
This goal has me a little worried. I already work a lot of hours and I am salaried. So, I can’t earn extra at my job, and I have no time to work another job. I am leaving this mostly to my hubby (he is a teacher and gets a lot more time off than I do). We need to declutter, so selling stuff can be a big part reaching this goal. See goal # 7.
7. Declutter–Get rid of 1000 items.
I am taking a page from Mavis over at One Hundred Dollars a month for this goal. Quite honestly, I think we could unload many thousands of items and still have too much stuff. I will have to show you my basement storage area sometime…. If we do downsize in a couple of years, we need to be ready by getting rid of A LOT of possessions.
8. 10/7/17–Cash Flow our Daughter’s Wedding
The venue has been booked and the $1000 deposit paid. It is all inclusive so we won’t have to worry about paying for food, flowers, decorations or DJ separately. We are responsible for invitations, wedding dress and any other extras. We chose to go outside the venue for a photographer, so we will be paying for a photography package as well. My daughter is making the save the date cards and is designing her own invitations. Budget: We figure we will be spending around $12K for the wedding. Ouch!
9. Lose 50 pounds
I know, I know. Weight loss goals are cliche. But, really, for health reasons, and because of #8, I really need to lose the weight.
10. Devote time 3-4 days a week to Self-Care
I am really bad about working too much. Leave the house in the dark and return home in the dark. Therefore, my goal is to try to scale back and to see the daylight more. Other ideas for this goal: take walks, do a yoga video a few times a week, spend time in devotional, read for pleasure, go on dates with hubby.
11. Spend no more than $300/month on groceries
This will be interesting considering we spent an average of $550/month in 2016
12. Finish 12 sewing projects
I have a sewing studio. It is very neglected. I need to finish projects I have started. Hey, this will also help with #2, #7 and #10!
So that’s it. Let me know what you think. I hope you will follow along and help keep me accountable.
What goals do you have for 2017?