For some reason, I really like the wording of action plan versus goals, not sure if it is truly a motivational thing but I am going to stick with it.  My current plan for each month is not only to be accountable by reporting how each month progress but also included plans for the following month to keep things on track.

Personal-
1. Blogging– Post 20 per month. This is definitely a stretch but a good one for both accountability and fun.
2.Weight Loss– 175#.  In January, I plan to use the treadmill for at least 30 minutes a day for 3 days a week.
3. Spiritual– Spend at least 5 days a week, reading and studying The Bible. My Sunday school is starting a new study that has a work book with 5 sections each week. I also really want to finish reading through the entire Bible. Between these two things I am confident this is achievable.

Financial-  These are always much harder for me but guess that might be a good thing.
1. Set aside money each month in every budget category. I know very well where all my money goes, but in reality knowing where it needs to go and placing it there are two different things. In addition, life happens and some days I have to borrow from one item to truly pay another. I reset the following funds each January, Gifts and Clothing. I am adding an Eating Out category with a base of $200 per month which will roll and will reset next January. To achieve this goal in January, I am participating in the “January Money Diet “. I also plan to spend $200 or less on grocery. When I am success this will allow all categories to be funded except for eating out. We are suppose to attend two cheerleading competitions this month so I am not sure that we can eliminate this category all together. I do have several items that I need to sell this month which will be used to fund eating out.
2. Establish and maintain Emergency Fund- Ultimate goal is $3500, but this year adding $100 a month is a start.  See above for the plan.
3. Groceries: Goal is for $700. This month, we will be using cash and plan to spend $200.
4. Gas: Spend $400 a month. This includes repair, maintenance, tags and taxes. In the past, I have rest this budget each month with using any overage  to fund other items.  I am going to change that this year and place overage in a Capital one account to be used for larger repairs. I would like to set a $500 limit. In reality with gas prices being so low this will only take 2 months. After meeting the $500 I can switch to again using money in other ways. I am afraid of reducing this amount because if and when gas prices increase this will only cover gas.
5. Pay off all Credit Card debit by December 2016- This is by far the most lofty goal I am setting but the purpose being that we can then plan another Disney trip for November 2017!  I have no really plan for meeting this goal except by having a very frugal year and increasing income in any way possible.