Monday, July 7, 2014


Obviously my main goal is to get out of debt as quick as I can, that's a given. However, I do have other goals (personal and financial) that I am working towards while paying down my debt. 

  1. Pay off my debt- I would like to have all my debt (minus my auto loan) paid off soon. I don't have a time frame on that, I just know that I want to have it done. If I said something crazy like the end of this year then I would basically be planning to throw $750 at my debt every month. Not something I think I can do. So I'll stick to working my butt off and putting all my extra money towards my debt as often as I can. 
  2. Emergency Fund- Currently my EF is sitting at $600. My goal right now is to get it to $1000 before I start working on another savings goal of mine. In all reality I should be able to have my $1000 in my EF sitting in my account earning interest by end of August (at the latest).
  3. I want to buy a house.- This is something that I tried to do earlier this year but I had too much debt to income ratio and I couldn't get financing. Once I get my emergency fund to the $1000 point then I plan on funneling my savings money into my "House Account," so that I can have money for the down payment. Ideally I want to be in a house making payments by the time I'm 25, which is in March.
  4. Career- I want to advance more quickly in my career. Now currently I am unemployed so that's the opposite of advancing but once I get back on my feet I don't want to be stuck as a teller forever. There is nothing wrong with being a teller and for 3 years I've loved it (most of the time) however, I want to be able to move up the ladder. Being a personal banker, asst. manager, loan officer, just advancement in general. 
  5. Marriage and all that mushy junk-  I want to be married and start a family. That's all there really is to that goal. Lol. 

What are some of your goals that you've either met or are working towards? Any advice?

My Pennies, My Thoughts


  1. Good luck with all of your goals! Check out Dan Miller's 48 Days to the work you love a good resource to jump start your job search. My main goal is to finish our debt repayment.

    1. Awesome. Thanks for the comment. And I cant wait to continue reading about your journey.

  2. I love how you are focusing on the EF first. We had a small amount of consumer debt, and focused on that instead of the EF. It did not turn out well lol. Super smart of you! A home is in our goals, too.

    1. I used to get my savings account balance pretty high only to turn and use it on my debt which wasnt a terrible idea but I've definitely decided an EF is so important to have.