March Goals 2018

March Goals

  • Pay off our personal loan
  • Pay off the fourth credit card on the list
  • Continue the steps of the Konmari method
  • Drink more water
  • Eat better
  • Spend time with friends and family
  • Work on this site 3 times a week

We have a personal loan with a balance of $926 at a local credit union. We plan to pay off this loan in a few days time. There was a lot of thought that went into paying this off. The interest on this loan is much lower than our credit cards. The payments on it are much higher. We would be paying it off later this year by simply making the payments on it. This was the debt that annoyed me most which was a huge part of why I wanted to get rid of it. The payments are every two weeks and can only be made in person. I had to give up roughly a half hour to go pay this payment every time it was due. We decided that it made sense to pay it off next because it would increase our snowball amount so much.

We owe $835 on credit card #4 now. When we started our debt-free journey we owed $873.80. We will be paying this off during March. Paying off this and the personal loan in one month is a lofty goal but it is possible. We want to set our goals high but make sure they are achievable. It’s never a good idea to set yourself up for failure but setting the bar too low limits success. I think that with some sacrifice we could easily make this a reality.

I read “The life-changing magic of tidying up” last month. We have begun the process. We have gone through Isabella’s and Octavia’s clothing. We plan to continue working our way through the steps in the book. We would like to embrace a life of living with less; less stuff, less stress, less debt. This will open us up to the possibilities of more; more time, more travel, more money, and more spontaneity in life. Our long-term plans include travel and a long distance move. Having fewer belongings would make this dream much easier. We would not have to store or move as many possessions. Living with only the items that we love would make our daily lives easier and more enjoyable.

I do not drink nearly enough water. I have developed a bit of a soda addiction over the years. I don’t feel my personal best. I know that what I am putting in my body is the major issue. Also, water is free and we’re watching every penny right now. I bought myself a pretty, reusable travel cup that I can use for water to give myself an extra incentive.

We need to start eating better. We have cut out most of our eating out because we are trying to pay everything off. We want to cut back on junk food and eat much less meat. We are going to start by eating more vegetables, fruit, and fish. We plan to eat at least two vegetarian dinners a week. My husband has always been adamant about having meat in every meal so this is huge for him. We are fairly adventurous eaters which I know will help. I also want to introduce my children to more spices, fruits, and vegetables.

We are going to continue with our goal of trying to spend more time with family and friends every month.

I feel like I am not dedicating the amount of time I want to this site. I work a full-time job, have three children, and all the chores that come with a family/house. It is easy to lose track of time and forget about anything that is not scheduled or urgent. To be clear, urgent in this house means that something is on fire or leaking, we are out of work/school clothing, the dog is muddy, or somebody is screaming or bleeding. I have a list of post ideas including the multiple trips we have taken that I have not written about. In order to get caught up and stay current, I have decided to schedule the time to write three new posts a week. I will be dedicating two of those posts a week to getting caught up on past trips. I have not decided if I should schedule the exact days/evenings I intend to write or allow things to happen more organically on a week by week basis. This blog is a personal passion of mine. I love being able to write and be creative. It is something I have wanted to do for a long time and I want to give it the time and effort it deserves.

I will update you at the end of the month. Wish us luck on all these big goals!

February Goals 2018

February Goals

  • Pay off the second credit card on our list
  • Pay part of the third credit card on our list
  • Spend more time with friends and family
  • Read “The Joy of Less”
  • Have a clean laundry room

Our February Plan

The second credit card on our list currently has 0% interest and we want to make sure we pay it off before time runs out and the interest is added. We currently owe $475 on it. We will be focusing everything we have on clearing this debt. We are going to avoid buying anything but groceries. We are going to try to avoid going out to eat this month. We are eating the cheapest dinner options that I can come up with that are still reasonably healthy for our family. I will be taking the kids to the library a couple of times so that we can get out of the house together but not spend anything.

The third credit card on our list has a current balance of $464.89. We didn’t think we would be able to completely pay off both but we wanted to at least start working on it. I would like to pay $100 of it this month. It is actually the credit card with the lowest balance. We will be paying them in order of lowest to highest balance starting with this card. The first two were higher on the list for other reasons.

We have been so busy with work, sick kids, and developing our goals/plans that we did not get to spend much time with anybody outside of our immediate family in January. We wanted to make friends and family a priority in February. We already have four days over the next week planned to visit with people. Two are with family and two are with friends.

I have been attempting to read “The Joy of Less” since I bought it in December. I am making it one of my goals this month to finish it. I want to read through it and then go back through it to implement the teachings in it into our life/home. I plan to dedicate at least ten minutes a day until I finish it. I used to read a lot and I miss it.

Our laundry room has become the bane of my existence. I hate even going in there and I have to walk through it to get to the garage every day, sometimes multiple times a day. I will be working on cleaning it out. We had a ton of extra laundry in January because of the girls being sick multiple times. We are now behind on it. We are going to spend the first weekend of February catching up on laundry and getting it put away. We bought a hanging rack for our broom, mop, and things. We will be putting that up. We are also considering putting a shelf in our laundry room for detergent and stuff. There is a closet in there that we use to store art supplies and games. I am trying to decide if these items make sense in this area and where else we could possibly store them. Maybe we could get rid of some of the stuff in that closet too.

Are you working on anything in February? I’d love to hear about it! I’ll do an update at the end of the month. Wish us luck!

January 2018 – Goals

January Goals:

  • Pay off my Capital One card
  • Do not go out for dinner more than 3 times
  • Pack our lunches for work
  • Continue to Simplify/Declutter/Minimize Our Home & Possessions

Our January Plan

Our first goal for January is to pay off one of our credit cards. Currently, we owe $745.01 on it. We are going to give it all we got to pay it off by the end of the month. My husband is going to be picking up some extra hours. We are going to be cutting as many things as possible to stretch our budget. This is a large but achievable amount for us. We are so excited at the thought of getting rid of this debt!

I am finishing up our budget binder today that we will be using as a tool going forward. I will put up a post about this soon once I have it finished. I’m really excited about this! We are also using the app “Every Dollar” and I write down all of our due dates in my day planner as well. This helps us to stay on budget and to make sure that our bills are paid on time. We are attempting to use up the things that we already own so that we will spend less. We are going to go through everything in our pantry, fridge, and freezer to use up what we already have. This will help us to lower our food costs even more for this month.

We have one dinner out planned for our oldest daughter’s birthday. She is still deciding on where she wants to go. Last I heard she was thinking sushi. We are secretly hoping not to have to use the other two nights but we wanted to make sure we had some wiggle room in case something crazy happens such as illness or a super late work night.

We are going to plan ahead each week when making the grocery list to include easy to grab breakfast items and items to pack for lunch. We have been tracking our finances and we both spend too much on buying food and beverages on work days. We have discovered that we are the death by $10 type. We take the time to really consider larger purchases but we never second guess those small purchases like a donut and coffee for breakfast. Packing our lunches and planning ahead for breakfast will help with two goals. We will be saving money and potentially making better choices about what we are eating.

The last bit of our plan is to continue our trip toward minimalism and simplifying our home and lives. We will be doing the 30-day minimalism challenge. I read about this on The Minimalists and have been wanting to try it. I don’t have anybody doing it with me. I just plan to try to make it through the 30 days because I think it will be good for our family and our home, especially after Christmas. The idea is that you get rid of one item on day 1, two items on day 2, three items on day 3, and so on until you hit day 30 on which you would get rid of 30 items. I have been considering this challenge for quite a while. As many of you know I have been making it a point over the last year to push myself to do things that I want to do but avoid because they are hard or not part of the social norm. This is one of those things that I know is going to be really difficult by the end. Just finding the time each day to complete the challenge will be difficult. I intend to take a photo each day and keep a running list of what I got rid of to share with all of you once a week. Wish me luck!

Here’s a link to the minimalism game: https://www.theminimalists.com/game/ 

Accomplishing Long Term Goals

As anyone who has ever completed a long-term goal can tell you, it doesn’t happen overnight or without loads of effort. I have achieved a few big long-term goals during my life. It is important to break them down into smaller pieces. This will keep you from becoming completely overwhelmed and helps you to achieve your goals by giving you a roadmap to success. Accomplishing small goals keeps you going on the path to achieving your long-term goals. You can set lofty short-term goals and really push with all you have to accomplish them.

I have many different types of long-term goals and want to make sure that I am dedicating enough time and effort to each of them. They all eventually get me to my ultimate long-term goal. I am going to begin breaking them down into small monthly goals. I will post a list of my monthly goals and how I plan to accomplish them. I will do a summary at the end of the month to discuss how the month went including the good and the bad. I think this will help to hold me accountable for working toward where I want to be in life. It would be awesome if it encourages anyone to work on their goals as well.

In order for all of this to make sense, you need to know what it is I’m working toward. My ultimate long-term goal is a little crazy. It goes like this: A year of traveling around the world with my family followed by a year or two working as a travel nurse so we can decide where we want to live. When we know where our “home” is, we will buy a home there and settle down until we get itchy feet again. There are a lot of things that need to happen before we are ready for any of that. This leads us to that list of long-term goals I was talking about.

My/Our Long Term Goals

  • Be Debt Free
  • In Good Shape and Healthy
  • Live Simply and More Minimally 
  • Finish Our Home Projects
  • Further my Career/Improve my Career Potential
  • Build This into a Successful Blog/Website
  • Buy a New Van 

We are working toward becoming debt free now. We want to pay off all of our credit cards, student loans, and a personal loan. I will likely do a post about the break down of this or a running page that I update as needed to involve all of you in the process. I will include the dollar amount in the monthly goal breakdown so you will know exactly what it is we are trying to accomplish at that time. My husband and I are both Dave Ramsey fans. We intend to do a slightly different version of the debt snowball. We are planning to pay off our credit cards and personal loan first, followed by student loans, and then we will work on saving/paying extra on our mortgage.

I am currently out of shape. I want to return to my extremely active lifestyle. My daily life is better when I am in better shape. I don’t get tired as easily. I feel better physically and mentally. It is easier to travel the way that I like to when I am in good shape. I love to hike and be outdoors. It is also easier to keep up with my kids. I plan to start eating better and exercising regularly. We will also be cooking at home more and avoiding eating out. This will also help us financially.

We want to lower the stress level in our home by living more simply. I have been researching minimalism for a couple of years. It is something that my husband and I have discussed for a while. We have been slowly transitioning and we have decided to start making bigger pushes this year toward the lifestyle that we desire.

There are a few projects at our house that we would like to get finished. There are two reasons we would like to get these done. The first reason is that our house will be worth more when we eventually sell it and it will likely sell faster. The second reason is that we will enjoy living here more until we move. We are planning to do these projects anyway before we move so it makes sense to do it sooner and actually enjoy it for a couple of years.

My career as a nurse is always going to be part of my life. I love what I do and I want to continue to grow. I plan on taking some classes towards my next degree, getting my med/surg certification, and attending more meetings. I think these meetings will give me some new perspective on how other units do things.

I plan to continue working on this website. I would like to post at least once a week going forward. I also want to spend the time getting all of our past travel posts edited and live. This website is fairly new. I started it at the beginning of October 2017 after blogging for fun for a number of years. I went live in November 2017. I feel like there is so much that I don’t know yet and many things that I don’t fully understand yet. I want to keep working to improve my writing and photography skills as well.

We really want a van. We will eventually need one to achieve one of our ultimate goals. Traveling the United States with our girls will require a larger vehicle. Currently, I drive a small car that is paid off. The five of us just fit and it is great on gas. There is just enough room in the hatchback for our luggage when we take long road trips or the large stroller but not both. Our biggest issue with our car is that we can’t take anybody else with us. Our girls can’t bring friends with them on outings if the whole family is going. We can’t take the dog with us because there isn’t an extra seat for him. He is very large and requires some serious space. A minivan would make our daily lives much easier.

Now you have an overview of all our long-term goals! I will be posting our January goal list soon!

 

20 Non-Candy Stocking Stuffer Ideas

  1. Socks – Everybody loves nice socks. Cute socks for little kids and teens are a great option. They are inexpensive and will get used. You could get their favorite character or warm, fuzzy ones to help them stay warm. Slipper socks are also a fun option.
  2. Make-up and Nail Polish – These are great options for the older girls on your list. Little girls also like getting fake make-up so they can emulate their older siblings and moms.
  3. Gloves – It’s that time of the year. If you live some place warm, skip this one and don’t brag. I’m already jealous.
  4.  Bubble Bath – Kids love bubble bath! Bonus points if it’s their favorite character or smell.
  5. Lotion – Nice smelling hand or body lotion is a favorite of tween/teen girls.
  6. Snacks – Fruit snacks, fruit, dried fruit, or cookies are good options. Anything that your child considers a treat that you can package. You could make homemade cookies and package them.
  7. Cute Stationary Supplies – My oldest daughter loves this kind of stuff. Think post-its, pens, and notepads with fun designs.
  8. Books – Do you have a bookworm on your list? Books are definitely the answer. Chapter books are the perfect size to slide into a stocking. Board books are a great option for babies and toddlers.
  9. Earbuds – People are always in need of a new pair of earbuds. They get lost or broken so easily.
  10. Playdough – Kids love this stuff! It’s cheap and hours of fun. There are small fun-size options that are sold in large packages if you want to give a multiple colors to each kid.
  11. Gift Cards – These are a great option for older kids. They can pick out what they want. You can do small denominations for craft stores, target, book stores, or restaurants. They get to have the extra fun of the trip to spend their money.
  12. Small Toys – Figurines, stuffed animals, and baby/toddler toys are the perfect size to stuff in a stocking.
  13. Stickers – Kids love stickers!
  14. Crayons and/or a small coloring book – Crayons are nice if you have coloring books already under the tree. I found a small coloring kit last year that our daughter enjoyed a couple of days later when she was starting to get bored on winter break.
  15. Craft Items – Paint, markers, stamps, small craft kits, etc.
  16. Chopsticks – These are a favorite around here. You could also go with cute silverware for small kids and babies.
  17. Jewelry – Inexpensive fashion jewelry is a fun gift idea for kids and teens. I ordered a bunch of these online for next to nothing and picked up the rest on clearance or at discount stores. They love to have new earrings and necklaces to wear without any worries of them losing something expensive.
  18. Hair accessories and Styling Products – This is a great idea for teenagers. Trail sizes so they can try something new. Accessories are fun for young girls too. Isabella, 7 years old, loves headbands and hair bows.
  19.  Cute Toothbrushes –  I gave my two older daughters cute electric toothbrushes one year. It was a huge hit.
  20. Money – Everybody likes cash. Everybody.