Tag: plan

Financial

I actually wasn’t going to do financial goals just because I hate the topic of money, but it wouldn’t really be plausible for me not to have any finance goals before I turn 30. Money and finances coexist with everything else in life, so best to just get it all out there.

Also, before I get on with the list I didn’t want to do this list mostly because a lot of this stuff is stuff I can’t check off until I turn 30 and it’s more of the long-term goals that blend in together. Which are good, but with lists I just wanna cross everything out and be done. That won’t be the case for this one, as it seems like it is more my financial plan.

Financial Goals: 

  1. Budget
    • Probably the most common financial goal because everyone needs to focus on their spending. I will say that my budget as a whole is actually not too bad, but I intend to rein it in and do some analysis and see where I should be focusing to get to where I wanna be by 30.
  2. Savings
    • Always smart to have money saved up for big purchases such as a home or traveling and at this current time I don’t have much in savings. Which is why it’s on this list so I can actually get saving within my budget and from there I will hopefully get a solid cushion of money in savings.
  3. Start Investing
    • With that lovely savings because just hoarding money isn’t fun and I really want to experiment with investing and markets. In order to do that I need money that isn’t going to be too risky and won’t harm me financially if it all goes bad.
  4. 800+ Credit Score
    • I don’t think this is something I can maintain long term, but I would like to hit an 800+ credit score just for the bragging rights to say I have a credit score over 800.
  5. Passive Income
    • The plan is to essentially have enough passive income that will cover my living expenses that way it will never be a worry.  But before that can happen I will need to find a way to establish passive income and let it grow on the side.
  6. Financial Freedom
    • This is where my passive income will hopefully come into play as well  if I have done it successfully. If not I can assume I tried it and still can count that as completing that item. But as for this it’s going to be a big reach and a lot to do in my 8 years until 30. I want to get to a point in my life that I won’t have to worry about living expenses or splurging on a last-minute trip. I’d like to do some of my best and profitable work in my 20s and then just allow whatever I do to grow for the rest of my life.
  7. Pay off all Debts
    • At this point in my life my debts are actually low, but since I still have quite a few years to accumulate debt I can’t really consider this done until 30. The main focus will be trying to keep low debt even on bigger purchases or loans that way I am managing debt and not drowning in it.
  8. Proper Accounting
    • So here is something odd, a lot of the work that I do is accounting and financial business. The thing is I was more thrown into it and I don’t actually have proper training. I came in to a business and it was a learn as you go experience and I worked with some people who showed me the essentials and then they were like be free. I need to get to a point that I know what I’m doing.
  9. Start my own business
    • I’ve done some freelancing and I currently have businesses with my family, but I don’t want either of those to qualify as solely mine. I guess the freelancing can be considered just mine, but at the time I felt more like I was hobby freelancing just to feel it out and it just didn’t feel like a business. Honestly this is something that I am not sure will be successful because though I have businesses those were already mostly created when I came into them. So, for my own I really want to experience starting from scratch, coming up with an idea, fulfilling that idea, and see if it works and to see if I have a little entrepreneurship in me. And if it fails completely then I am assuming I will have learned exponentially from it, so it’s a win/win.
  10. Own a Home
    • This is the simplest way I’m phrasing this because the full goal is not only own a home, but find the ideal place for me to live. Financially you have to buy the house, but before that I will need to live somewhere that suits me financially, morally, emotionally, etc. I don’t know if I intend for this home to be the home that I’d like to have for the rest of my life, but I kind of would like to find a place that I would keep forever. If not living in it forever, but then keeping it to rent or something.

Breakdown

I initially planned to post my full list of goals right off that bat. In my head I thought compiling a list of goals would be easy.

Obviously, I was wrong.

I have never actually been big on setting long-term goals, but I’m usually good at making lists so I thought I’d sit down and knock out a goals list in no time. That didn’t happen and I found myself struggling to come up with ideas. I really wanted to just go wild and write everything that I could think of, but a lot of those thoughts didn’t feel genuine. They felt like things that I know others have on their bucket lists and I couldn’t bring myself to write them down for the sake of completing my list. I want my goals to be things I’m genuinely looking forward too and would like the challenge. I don’t want my list to be the first things I find on Google and be like “yeah that sounds good.”

Now I am not saying that I want to make my list something original or never been done before because honestly there will be some of the obvious stuff on there. I just want each goal to actually mean something to me. Honestly, I would just like to put more thought into this then just randomly throwing a list together and being done and then never accomplishing those random items because I have no desire to actually do them. That doesn’t sound fun, that sounds exhausting.

So, what I have decided to do is break up my goals into sections. I’ll have a set list of 100 goals and 10 goals per section. That way making one list at a time isn’t nearly as intimidating as doing it all at once. I intend to post each section separately and once they are all completed I will compose a master list.

Breaking things down into chunks will help me structure my goals and give me some time to reflect on what I want to see myself doing in the future.

Hopefully I’ll have some sections completed and posted by the end of this week.

Now I don’t know how to sign off on this post since the last one was clever and this one I got nothing. So, here’s a random pic of noodles. Inspiration noodles. Noodles that inspire me to write my goals down.

20180606_130825-1.jpg