I mentioned yesterday that I was struggling with deciding how to do goals for the year, today I am going to go ahead and put some goals out there, but I will leave it open that our financial goals will likely end up changed in June when I have a better idea of what type of job and salary Matt will be receiving. A second change from yesterday is that I am only going to do one post with both how we did and new goals for 2022. New goals will be in italics to make things easier for me to figure out in the future.
Groceries– budget amount is $650. I achieved this 9 of 12 months! I will add that we have been receiving gifts of food on a monthly basis from my Mother this year as she continues to eat with us 3 or more times a week. I am excited that we have been able to adjust and actually decrease our overall spending on groceries. we spent an average of $530 a month this year. In reality, this is probably a very realistic goal for us to continue however, I want to make a plan for the first 6 months of the year and then move back to this budget amount in June.
For January, February, March and May- Budget amount is $200 a month or $50 a week. I will also be using any overage in the budget to cover out eating out until Matt has a permanent job.
Eating Out budget will begin when Matt has a job and will be $100 a week or $400 a month but this will not apply during vacations or travel.
One additional explanation is that in April we have a trip planned to Disney. We are taking the camper and will be bringing a good bit of extra food to save money on this trip so I will leave the budget at $650 to help cover those expenses for April.
Auto/ Gas / Insurance. My goal is $400 a month. We met this goal 7/12 months. This is definitely an area that I will wait until Matt has a permanent job. I anticipate increasing this to at least $500 a month unless his job is in town or remote most of the time.
Cash Envelope system- Goal met 8/12 months. I will not be keeping this goal but do plan on continuing to use this system. I am dropping the goal based on the fact it is really difficult to monitor.
Goal #4- Blogging- 15 post per month. I only met this goal 4/12 months. I will definitely keep this goal for next year!
Goal # 5- Fitness– Goal is to exercise of some type at least 10 days a month. This is a goal that I struggle with each year. It appears that 4 out of 12 months I did achieve the goal for 6 or 7 days but none for 10. I am debating just reporting how many days this was achieved each month without a goal.
Goal #6 – Bible study- Goal- – Read or Listen to the entire Bible in a year. GOAL MET! I am actually going to try and do this again 2022 by using podcast. I don’t think I will keep reporting on it but I hope to continue the practice!
Earnings– Based on several major changes this year, this is just too difficult and time consuming! We will of course continue to look for ways to make extra money, but apps are no longer worth the effort! I will also plan to remove this from my goals.
No Spend Days– I love the concept of this! However, in reality it is very difficult to do! The purpose is to not spend money outside of the budget and we are doing so much better in this area! Instead of a goal this will be included along with exercise as a simple number to keep me accountable.
No Spend Days-
I will be posting again this weekend on our plans and other adventures for 2022!