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Every year I make plans to accomplish important tasks.  By limiting my goals to three I hope to increase my chance of achieving these goals.  


coming soon

Review My 2023 Goals Here.
Review My 2022 Goals Here.
Review My 2021 Goals Here.

September 1, 2020

I set 3 financial goals as follows:

1) Extra $1,100/mo. to mortgage
2) $1,000/mo. to short-term savings
3) $400/mo. to investing

Here are my goals for 2019

  • Financial:  DEBT:  Pay off student loans (update:  paid off 8/8/19!).  Then begin paying off mortgage on rental property.
  • Personal Improvement:  Lose 20 pounds.
  • Simplify:  Get rid of material things I don't use.  Eliminate unnecessary financial accounts.
  • Spending:  Spend less on food by eating out less often.
How'd I do in 2018?  I did okay on some, bad on others... in fact, I neglected to evaluate my progress at the end of 2018.   Below are the goals I had:
  • Simplify:  consolidate financial accounts and do business with fewer companies.  I did begin this process.  Results followed in 2019.
  • Debt:  Reduce outstanding debt to less than $125,000.  Pay off car loan and both credit card balance transfers.  Car was paid off at the beginning of August, 2018.  Credit cards as well.
  • Spending:  Spend less on vacations and entertainment.  Cut spending on alcohol in half.  We cut way back on alcohol.  Vacations, not so much.
  • Personal Improvement:  Lose weight and get stronger.  No progress at all.

Review My 2017 Goals Here.
Review My 2016 Goals Here.
Review My 2015 Goals Here.
Review My 2014 Goals Here.
Review My 2013 Goals Here.
Review My 2012 Goals Here.
Review My 2011 Goals Here.


  1. I love that you are so transparent about your goals. Like you, I am also a mystery shopper. I've set goals but never really displayed them for the world to see. You've inspired me to do so!

  2. Christine,

    Publishing my goals for the world to see keeps me accountable to them. In person I don't even refer to it as a goal anymore, but rather something that is going to happen. For example, the other day I ran into the founder of the software company where I used to work. He asked me what I was up to these days, and I told him that by the end of the summer I would be buying another rental property.

    It's a small thing, but I didn't say "I plan to" or "My goal is." I said "I will be." There's no way I'm going back on what I said now!

  3. For your international trip, consider Costa Rica. I export consumer goods there. I carry things Americans, Canadians and other ex pats and Ticos want to buy at a price. Usually pays for my airfare.

    1. I subscribe to a newsletter that an entrepreneur in Ecuador publishes. He posted about bringing goods along with you when you travel, similar to what you said. Just curious how you find out what to bring and where to unload it when you get there. I'm all about covering my expenses this way.

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