Today's Focus

Current Goal: Eliminate Mortgage on Rental Property

January 1, 2019: $59,592
March 20, 2020: $52,982
2/14/20 paid an extra $750 towards principal
3/20/20 paid an extra $1000 towards principal

Search My Frugal Miser

Goals

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.

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.


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  1. ChristineApril 27, 2012 at 5:25 PM

    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!

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  2. My Frugal MiserApril 28, 2012 at 9:26 AM

    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!

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    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.

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    1. My Frugal MiserMay 26, 2014 at 10:12 AM

      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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    Well, I've been single for a quite long time and I think that maybe this is the time to get mingle and I came on this website. I am looking for a fun partner right now because I don’t want to directly go into a serious relationship with someone after spending a little amount of time. I don’t want to judge anyone in this little amount of time. If your plans for the evening fell through and you don’t want to spend the evening with the right person or you're not interested in starting a serious relationship with a girl yet then I can be your companion. I am looking for a crazy, fun person who is a party animal, someone who doesn’t care about other people's judgments and someone who is smart and sexy like Bangalore escort agency. If you want to hang out with the coolest and hottest girl I can be your companion.

    I am the person, who enjoy helping others and love animals, I think it is important to keep promises and act as human. I am always there for the one in need and try to help them out as much as the effort I have, and also love to rescue poor animals on the street. I love to keep cute doggies at home. And here, I am looking out the caring person to care each other and to share love as partner. I want to feel comfort in someone’s arms and also feel their heartbeat. I would love to have romantic relationship and feel the love of my special Bangalore Independent Escorts.

    I put you at ease right away with my conversational skills and playful attitude. I am perfect escort companion for any occasion. I am someone you will find perfect in every way. No matter what the event or occasion I will do you proud and who could resist those gorgeous eyes. Adorable and delightful young escort who will make sure to make each moment pleasurable, memorable and unique.

    A young lady who takes such a huge delight in pleasing my clients, and this extends in a certain way from my love of being adored by men. I will happily offer all escort services listed in my to do list including a choice of sensual skills combined with full personal Bangalore escort services. I am going to be fuelled and ready to please you in ways you couldn't imagine.

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