End of 2019 Goals
The last 3 months of 2019, I vowed to pack my lunch everyday and eliminate buying lunch and coffee at work. The Dashboard graphs made it all the more easy and exciting to see:
I am saving $190 a month on lunch, plus $50+ on coffee and quick snacks (at one point in the year, I was spending nearly $100 on coffees and snacks!).
Surprisingly, but actually very sensically, my groceries bill did not go up. Because I was making such an effort to brew & pack at home, I was super vigilant about what I was buying at the grocery store. I became way more efficient, and way less wasteful. I only buy what I need; I’m mindful of what’s extra, and what will be forgotten and later thrown away.
Having seen the benefits of EFFORT – I’m taking that into 2020. My goals are really save-to-spend goals, so it’ll be a little bittersweet to see the money go, but the goals are:
- Save $3500 by May to go to Rally School (long time dream since getting a license, I’m 27).
- Save $2200 by April to go on Buddy’s Bachelor Party (Caribbean, he couldn’t keep it simple)
- Maintain my company’s maximum 401k match (Roth account)
- Max out the $6,000 IRA contribution by end of the year (also Roth, this will be tough)
That’s about $1,400 a month in savings overhead that, technically, I earn, but would have to eliminate just about every non-essential expenditure, at least until May. My roommate used to do it – I don’t know how. He spent basically nothing and did basically nothing for 6 straight months on unemployment. It was quite the achievement to watch actually. Tough guy. I’m going for it. The important things in life are non-pecuniary anyways: family, friends, significant other (arguable), and a job. The only exception might be booze.