January Goals

January  Goals.

My goals for January are pretty big but I am going to try to break them down into weekly goals.

Mothering/Family goals.

1. Read to younger kids each night

2. have scripture study daily

3.have one fun outing (free) each week with hubby

Personal Goals

1.  Memorize Scripture Mastery with Victoria.  One a week

2. Read scriptures each morning

3. Walk 3 miles

4. Read my 2014 book list

Homeschooling

1. Follow our schedule 

2. Read a classic with kids

3. Work on my education buy studying Thomas Jefferson Education

Financial Goals

1.  save $200.00  by the end of the month

2.  Work on our menu planning

3.  Limit eating out

doubt

I hate when I start doubting myself.  I was so excited to start my plans to become a fiscally responsible person but last night I started to doubt myself.  I know it was stupid and I shouldn't even dwell on such things.

I know doubts are the adversaries way to derail you from your intended goal.  I think all the opposition I have been dealing with is also a sure sign that I should press forward.  My plans aren't necessarily spiritual but they can lead to some real spiritual gains. 

For example, if I can trim my expenses, pay tithing and and fast offering I accomplished a spiritual goal.

If I can have a generous savings and emergency found, we can help fund our son's mission.

If we can get completely out of debt, live within our means then I can help fund many missions.  That is my dream.  To help fund many missions.  

  

Short term goals are all about the money, honey..but my long term goals are all spiritual

I need to stop doubting my ability and just press forward.  I know I have a long road ahead, but its doable and I can sacrifice now for gains later. 

Goal #1 for 2012

Save money!!!  I don't just mean, spend less but save money, in an account.
We have two main goals, which are: 1. Emergency Fund 2. Down payment on a house (in two years).
We have canceled a few things that take money out of our pocket.
1.  Netflix.  We realized that we are not taken full advantage of the rentals.  We usually keep a movie for weeks and end up averaging 2-3 movies a week.  That is too expensive when we can rent at red box and pay a total of $3 if and when we are ready to watch a movie.  My kids enjoy the streaming, but they don't need to watch so many movies when there are many other things to do in the day. (savings:$14.99
2. Debtwatchers:  A program through Primerica that we have been paying for many months and never even used.  It's a great program, if you use it.  We haven't, and we won't.  Hubby is just too busy and so am I.  Plus I work better using paper and pen. (savings: I don't remember..sad huh.  I think its around $20)
3. Melaluca:  Loved their products and would still be doing it, but decided to cancel for a few months and use homemade or other safe cleaners if I must.  (Saving: Between $50.00 and $75)

That is a grand total savings of round $100 depending on Melaluca, it varies, and the actual amount of Debtwatchers.

Saving those amounts will help toward my long term money goals.