Our New Year Resolutions And Stretch Goals

Ms 99to1percent

Blogging about Personal Finance along with a little touch of humor. Immigrant who started from the bottom and now I’m here…to tell my story, inspire and learn from others. Paid off $40K in student loans before graduating. CPA. Saved a $100K emergency fund in my 20’s. Hopping to pay off $500K+ mortgage within 5 years at 39. Hopping to become financially independent at 45. Happily married. Mom of 1.

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30 responses

  1. Hi Tina – great list of goals, and they’re well balanced.

    I especially liked: “Get rid of the least profitable yet more demanding clients.” This can be such a game changer. Not only will you make more money, you’ll also save time and stress.

    Also, you’re never too late to post about goals – whether 2 weeks or 2 months into the year 🙂 .

    Thanks for sharing. – Mike

  2. I love adding the S for stretch into the SMART acronym. We all need a little stretch in our lives.

    Good luck with your goals! Especially baby #2. I’m sure you are going to nail them.

    My stretch goal is to start pursuing my CPF and figure out a way to shift my career to helping people with their finances instead of corporations.

    You can read about the rest of my 2018 goals here: https://www.winningpersonalfinance.com/2018-goals/

  3. Those are some pretty lofty goals but I’m sure you can hit them since you seem very committed to them! That’s one good thing about lofty goals, if you set them, you really want to work hard to reach them!

  4. Hey 99to1%! Great goals for the new year! Looking forward to reading about you achieving them!

    Agree to maxing out all contributions to your accounts – we were glad we did and also paid off the car loan…next is house for us too! Congrats on aggressively getting yours down!

    We also have goals for kiddo #2. What I’ve learned about this topic – there’s never a good time to plan it, just go for it! You never know when you may fall into the category of 1-3% of women who have recurring miscarriages or issues getting pregnant after easily having their first kid. I always knew I was special…just never in this way 😉 I will be cheering you and any other parents that have this goal the most — celebrate life daily!

    Have a great rest of the week!

  5. JoeHx says:

    I like the specifics you put in the goals – such as “decrease [the mortgage] by $80K to $140K” and “double [your] Alexa global rank from 661,000 to 300,000”. I tend to focus more on just the how and not the actual position, so it can be hard at times to see if I succeeded or not.

  6. Hey guys!

    The getting rid of the most demanding but least profitable clients definitely sounds like a”4 hour workweek” mentality! Sometimes the extra money is not worth it.

    I have no doubt you guys will reach the 25k views much earlier than the end of the year. You guys have been doing amazingly so far!

  7. I really like that you continue to set lofty goals for your blog! It is definitely one of the most exciting feelings when you see one of your blog posts got a ton of hits!

    We have a stretch goal as well of increasing our income. Currently we are right around 100k/year combined, and we would like to get that to $140k by the end of the year. We plan to tackle this by seeking additional career opportunities in Coding, thanks to our 6 month Coding Boot Camp we have been in.

    I hope you hit ALL of these stretch goals in 2018!

  8. Caroline says:

    “Get rid of the least profitable yet more demanding client”; 20% of your clients take 80% of your time, the 80/20 rule. Smart of you to get rid of them.
    Some pretty good goals: My favorite is baby #2! 🙂

  9. Excellent goals! I am sure you’ll be able to reach those pageviews with your current progress 🙂 If you need any tips for Europe (or happen to come by Copenhagen in Denmark), let me know!

  10. Awesome goals! I like how you balance between money/social/other aspects of your life. Sounds like you are on your way to great success.

  11. The mortgage goal is particularly appealing to me. I calculated our 2017 savings rate this evening and I was happy to see 52%. We got married and bought a house this year so I didn’t think we did as well as we did. We have set a goal of 70% savings rate for 2018. I think we can do it without the wedding and investment in initial home repairs and fees.

    Best of luck on your 2018 goals!

  12. Wow, your mortgage payment strategy is really aggressive and remarkable. Our balance started where you started and we’ve been able to shave just 100k off thus far but would love to be at least under 300k. I will definitely start with sending a payment every two weeks and then go from there. Great strategy.

  13. Ines says:

    I have a feeling you will be achieving all your goals 🙂 Great you are striving for balance but never stopping being ambitious. Let me know if you need tips for Europe! I have been away from blogging but I am back! https://piggy-banking.com/

  1. February 5, 2018

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