What are your 2015 goals?

You probably think I’m crazy. We haven’t even made it through the holidays and I’m jumping to New Year’s resolutions. There is so much to do right now, who has time to think about goals? I know what you mean. This time of year is so busy. We are all running like crazy people trying to determine the best gifts for our loved ones, cooking food that will cause us to need a diet resolution, and rushing from one holiday event to the next. Really, I get it.

Stop for a moment and take a breath. Maybe have a glass of wine.

Just pause.

I know you are busy but it is time to be intentional about your life. It’s time to make goals and write them down. It doesn’t take long. It took me just a few minutes to think out what I wanted to do in 2015. The planning part can take place over the next few weeks.

This initial part is to just create some goals. Maybe you want to pay off your car or a student loan. Maybe you want to save a 3-6 month emergency fund. Maybe you want to eat at home twice a week to save some money.

Just using the term "resolution" increases your chance of failure. Trust me, it's one of Murphy's Laws.

See? Quick but specific goals. This doesn’t have to be rocket science. I just want you to jot a few things down. They could be financial goals, career goals, health related goals, relationship goals.

Why write them down? Because you are much more likely to achieve your goals if you write them down!

Don’t wait until January 1 to set some resolutions. I swear just using the term “resolution” increases your chance of failure. Trust me, it’s one of Murphy’s Laws.

If you need help thinking about some possible goals, here are my goals for 2015:

  1. Pay off our remaining non-mortgage debt, current balance $70,467.39.
  2. Build a 3 to 4 month emergency fund or approximately $15,000 in savings.
  3. Launch my first online course by May 2015.
  4. Help my husband publish his first book by July 2015.
  5. Lose 10 pounds.
  6. Attend the Launch Out Conference in June.
  7. Attend the PLF Live Conference (no date announced yet).
  8. Blog about our debt free journey.

These goals are fairly specific. Jeff and I also have more detail on some of these and action steps for what we need to do. That seems insane crazy to pull off the rest of the debt and the emergency fund but I think we can do it. It will rely on the course and book launches being successful.

The ten pounds is something I just really want to do for me. A few years ago, I lost 22 pounds and I have been hovering between 204 and 207 for over a year. I am done with that. I want to get below 200 and stay below 200 with daily fluctuations. I don’t have a plan yet but that will come soon (any ideas are welcome!).

I need your help to hold me accountable. I am going to spend most of 2015 discussing the daily tips we use to save money. Some big things, some small things, and our mindset that has kept us going this long. I’ll probably drag my husband in now and again to help document the last leg of this marathon. Blogging helps keep me on track. It’s amazing how much more grounded I feel after writing a post. You guys are awesome for that!

I also want to help hold you accountable. If you haven’t already done so, sign up for my email list. I will be emailing you all periodically to see how you are doing on your goals. You can sign up at the bottom of this post.

For now, what are some of your goals for 2015?

Do you need an accountability partner?

Do you have a major project you are working on? Maybe it’s your monthly budget. Maybe it’s a project for work or a personal goal (like the ones we talked about in the previous two posts). Do you have a project around the house that you are having trouble completing? Are you having trouble sticking to that budget or the timeline you’ve created to hit that goal? Maybe you need an accountability partner.

I’ve told you that I’m studying for the GMAT so I can finally apply to PhD programs. I’m pretty good at motivating myself to sit down and study. I self studied for the CPA exam years ago, but the weather is starting to get nice and I don’t have much desire to sit in the house and study. After writing “What would you do if you knew you could not fail?”, I called a friend of mine to get her thoughts on the topic. I told her what I was working on and she filled me in on what she was working on. We decided to team up and become accountability partners. This morning I came up with a study schedule for my exam and she’s coming up with a plan for the next week for her project. We’ll talk every few days to encourage each other to stay in task.

I really love this concept. It helps make your dreams a reality while helping someone else make his or her dream come true. It’s really a win-win situation. When working on a project, ask yourself if you could use support from a friend or colleague. Studying for an exam is a huge undertaking and it’s awesome knowing that I’ve got someone there to keep me on schedule. Just make sure that when you pick an accountability partner, the person you choose is actually going to hold you accountable. You don’t want someone who is going to let you slide. Choose wisely.

All of you are my spending accountability partners, whether you know it or not. Whenever I consider a purchase, I think ‘what would the readers think?’ Since starting this blog, I’ve really stuck to my budget. Having an audience really makes you think about things. I really wish celebrities would think of this before doing stupid things. We can always dream right?

Are there any projects you have where an accountability partner would be helpful? Maybe you can connect up with someone who needs a partner as well. Let’s get productive!