I will be honest....I am not happy about it. Not quite ready to let 2012 go. It isn't that we have had such a spectacular year that I don't want the fun to end. 2012 was fine. Some minor Murphy visits. Some family stress. But as a whole, it was a year that just bobbed along.
But.....now it is time to face the dreaded GOALS.
I will go into more detail another time, but I know which goals I made....and which I didn't. For the most part, I also know WHY I didn't make some goals. Some of that is procrastination (but I have 3 weeks to get my tushie in gear!!)....some was poor planning. Some....dunno.
I am debating about making goals for next year. If I end up feeling bad come December, is it worth it? Are they really a motivator for me? I am not sure.
I am the Queen of "on paper." "On Paper" everything works out. This much money gets spent/saved. This month I am going to do XYZ. This project is going to go like this. The problem with this mentality is when it DOESN'T go as planned, I have a quick panic, and go into frenzy mode.
I could never abandon planning...but maybe setting how the end result should be isn't the answer either.
With that said....I suppose we have one shorter term goal.....getting new furniture. I told G-man that a) not until we have paid off 19k (which is so loaded, because as some debts, like the car, go down....there are others that go up....like the medical). None the less...19k is about a quarter of the debt. And b) I really don't want to finance it, so we will have to nickel and dime save for it (and this is loaded, because I already figured out that if we finance it for 4 years at 0%, it would be about $40 a month....and no, I am not worried about paying it off because I would just set up an ING debit for it and it would go on autopilot).
I would love to say that goal will be a 2013 goal..... but come a year from now....if it didn't happen....I would be bummed. So it is a projected purchase, with a date to come.
Are you going into the new year with GOALS? Do you review your past goals and learn from them, or do they just bum you out?