Jan 13

Last weekend’s Fiscal Cliff Roundup preempted a planned New Year Roundup, so let’s get to it before the Ides of January has passed.

Kelly at The Centsable Life wrote Resolute in 2013, dividing her goals amongst Family, Money, Life, and Work. I think that’s a great approach, lest we forget what a balanced life is all about.

At How I Save Money.net Lulu posted her To Do List For 2013. A nice mix from the different life groups. Goals included Money, Relationships, Self-Improvement, and Prayer. Lulu wrote, “I want to work my way up to being able to run a little bit because I am tired of seeing the other people in the gym running next to me on the treadmills.” I’ll offer her some advice. Walk. Walk until you can go well over an hour, and pick up your pace. At some point, just jog a bit. Even alternating a one minute jog, and five minutes of walking, will eventually turn into five minutes jogging, then ten, and before you know it, you’re running an hour at a time. Just stick with it.

One Frugal Girl offered not a resolution but a single goal, the Serenity Prayer – God, grant me the serenity to accept the things I cannot change, The courage to change the things I can, And the wisdom to know the difference. – Personal goals are just that, personal, and the achievement of this wish seems great to me.

Divya, posting at Nerd Wallet, offered New Year, New You: Financial Literacy Workshops, a list which covers locations from the four corners of our country, maybe you’ll attend one near you.

At Personal Dividends, Miranda Marquit asks (and answers) Why Is Making Resolutions So Important in Our Culture? She doesn’t offer her own this year, but shares some greats thought on how to formulate your own goals.As always, some great insight from Miranda.

Hank Coleman offered his New Year’s Resolutions That Will Save You A Ton Of Money. Eight specific things you might target. Me, I can ignore the “Quit Smoking,” a gross habit I never picked up. Check out Hank’s list and see which ideas you might use for your own goals.

And to wrap up this week, Mighty Bargain Hunter’s John Wedding wrote Our personal finance plan for 2013 and beyond, a look back at his family’s struggles in 2012.

If you visit and comment on any new-to-you blogs, tell them Joe sent you!

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Jan 02

Resolution is too cliche. New Year’s resolutions seem doomed to failure. Yet, we’re told that you can’t be successful without goals. This may be a matter of semantics but I’m going to choose the goal approach. These are the things I am thinking about this coming year:

Financially – we continue to be on track for our saving goals, saving about 20% of our gross income each year. We will continue this in ’10. There are some positions I am shifting away from over time selling shares each year. We’ve made extra payments to the mortgage, as of now there are 7-1/4 years to go and 7-3/4 years until Jane 2.0 (our daughter) starts college. We’ve worked to fund the college account, but I would also like the extra comfort of knowing the mortgage is paid off a full year prior to her entering college.


Physically – In 2008, I ran 1000 miles. But in 2009, I was a slug and missed duplicating this feat. I missed it by enough to put on 10 lbs over the year. Not happy about that. I plan to get back onto a schedule of 2 long weekend runs and one midweek to stay on track. I might just promise myself a nicer TV in front of the treadmill as a reward if I do it this year. Right now, I’m watching an old tube 19 inch.

Blogging – I’m looking forward to more opportunities to get my name out there, from comments on others’ blogs, guest posts, and other networking opportunities. I was honored to be asked to be a stop on TLC book tours, my first book review (Ron Insana’s How To Make A Fortune From The Biggest Bailout In US History) is coming up this Tuesday. I’d like to continue the guest posts on Jeff Rose’ Good Financial Cents and answering questions at Moolanomy Answers. I’ll continue to maintain a focused approach, offering posts that discuss financial topics of general interest with the occasional ‘personal’ post or technical post that I know is either a bit complex or has a narrow audience. Hopefully, you will continue to find content that keeps you coming back.

Friends – I’ve come to really appreciate the online communities. The ability to get a quick answer to a question or ask for some kind of advice in the online setting is quite remarkable. It doesn’t replace in person relationships, but it sure does complement them. On the flip side, this year Jane (my wife) and I need to socialize more. This past Thanksgiving we had a family over that we knew as our daughters are friends but we hadn’t known the parents so well. Turned out we had a great time and look forward to seeing them again with or without all the kids. I also need more ‘guy’ time. It’s too easy to get caught up in the day to day routine. It’s not that friendships are such an effort, it’s just a matter of making the plans to get together.

Family – Jane and I need to have more one on one time. ‘Date night’ is something we need to get on the calendar, whether it’s once a month or some other timing, it’s important that we have this time. We did a better job of it when we still had a nanny for Jane 2.0, but now we need to work at it a bit. I hope to continue to be a good father to my daughter and try to walk that fine line between being there when she needs me yet keep my distance otherwise. I’ve come to terms with the fact that at a certain age no matter what you say, whatever you do, you will be a constant source of embarrassment to your kids.

What are your goal for ’10?

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