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November Goals

Last Updated: December 19, 2015 BY Michelle Schroeder-Gardner - 6 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

Now that October is done, I need to create goals for November. Hopefully I get more done this month. There’s a lot I want to get done, but my main goal is to actually start thinking and looking for a part-time job.
  1. Reassess My Budget. I want to see if there’s anything else that I can cut.
  2. Start and Finish Homework Before it’s Due.  I am a major procrastinator.  If I have homework, I will almost always do it the day that it’s due during my lunch break.  This significantly limits the quality of my homework of course.
  3. Workout at least 2 times a week. I don’t really care about working out and getting toned anymore, because I’m lazy, and also because I’ll be bundled up for the next couple of months due to the weather anyways, so it’s not like anyone is going to see if my legs are toned are not.
  4. Call and attempt to lower student loan interest rate. I have been meaning to do this for awhile. Only one of my loans collects interest right now, and it’s at around 4.6%, but I want it lower.  I met someone the other day who has a student loan at 2%. I WANT THAT!
  5. Spend no more than $500 for entertainment and groceries.  This will be hard because of the holidays.
  6. Volunteer at least two days this month. I know this isn’t a lot, but I figure this is a start. I’ve been failing at this for the past couple of months.
  7. Sell My Stuff on Ebay.  I have a pile in my closet that I have designated for Ebay selling, but I just haven’t gotten around to it yet.
  8. Make a Holiday Gift Plan (and actually start buying stuff). Yes this is still on my list. I usually just wing it and buy everything on the same day, but maybe this year I should create a list so that I can control my spending (and so that I don’t ring out with $1,000 worth of stuff in one day and die from shock).
  9. Make a new/different meal at least 3 times a week.
  10. Start dreaming about my next vacation.  Ok so this isn’t really a goal, but it’ll get me through the month. Me and the BF plan on getting passports soon, as ours are expired from when we were younger. We have a long list of places that we want to visit next year, and we plan on visiting them all! We did a lot this past year (Chicago, DC, Miami, LA, Key West, Puerto Rico, Las Vegas, went to Dallas but it was quick and shouldn’t really count, Kansas City) but we want to leave the country for our next trip). We’re thinking Brazil, Thailand, Greece and other places.
  11. That leads to my next goal. Start building up the vacation fund quickly.
  12. And last but not least, FIND A PART-TIME JOB so that I can start aggressively paying off my student loans.

What are your November goals?

6 Comments
Filed Under: Goals Tagged With: Goals

Goals for the Week

Last Updated: December 8, 2014 BY Michelle Schroeder-Gardner - 9 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

I know it’s already Tuesday, but I figured posting my goals is better than having no goals.
  1. Make dinner everyday this week.
  2. Bring lunch to work everyday.
  3. Do not go grocery shopping except for milk and bread this week.
  4. Spend no more than $40 this weekend on going out.
  5. Leave the air conditioning or heat off no matter what. I’m really starting to hate that it’s getting to 95 degrees during the day and 35 degrees in the mornings. I think this should be done now but last week it was annoying.
  6. No more vending machine purchases before/between/after classes after I get off work.
  7. Do lots of ab stuff!

We did OK this past weekend with eating out.  We made meals as much as we can.  I had credit in my Groupon account (not sure why?) so I bought a Chevys Groupon, $10 for $20, and we used it on Saturday.  Our meal after the Groupon was only $6.77 (with tip), so I would say that’s quite a deal. Then on Sunday we were wanting Mexican again and we spent $20.31. We really want to eat in and save our money because we were still hungry both times after we ate out.

Also, I wasn’t feeling good on Saturday, so after Chevys, I let the BF run inside Walgreens to get me medicine. He bought $38 worth of Mucinex and sinus medicine! Never again will I let him go inside while I sit in the car.

9 Comments
Filed Under: Goals Tagged With: Goals

October Goals

Last Updated: December 19, 2015 BY Michelle Schroeder-Gardner - 4 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

Now that September is done, planning for October and the upcoming holidays need to be done (or at least thought about).  There’s so much to do in October. Exams will be the death of me (I have a 3 hour exam on Halloween night, so I won’t be able to celebrate because I won’t get home until around 11pm, no fun).
  • Start and Finish Homework Before it’s Due.  I am a major procrastinator.  If I have homework, I will almost always do it the day that it’s due during my lunch break.  This significantly limits the quality of my homework of course. 
  • Workout at least 2 times a week.
  • Spend no more than $500 for entertainment and groceries.
  • Volunteer at least two days this month. 
    • I know this isn’t a lot, but I figure this is a start.
  • Get my Flu Shot. Deadline: First week of October
  • Reassess My Budget. Deadline: Thursday, October 6
    • After I did so well last month with food, I want to see if there’s anywhere else that I can cut.
  • Sell My Stuff on Ebay.  Deadline: Middle of October.
    • I have a pile in my closet that I have designated for Ebay selling, but I just haven’t gotten around to it yet.
  • Make a Holiday Gift Plan (and actually start buying stuff). Deadline: Middle to End of October
    • I usually just wing it and buy everything on the same day, but maybe this year I should create a list so that I can control my spending (and so that I don’t ring out with $1,000 worth of stuff in one day and die from shock). 

What are your October goals?

4 Comments
Filed Under: Goals, Life Tagged With: Goals

The goals that I completed in September

Last Updated: December 19, 2015 BY Michelle Schroeder-Gardner - 7 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

I made a post in September about goals and what should be completed in September, What needs to be done in September.

Here’s how I did:

  • Reassess Your Budget. Deadline: Thursday, September 1 – Check!
    • I accessed my budget and realized that I desperately needed to curb my food spending, me and the BF used to spend an astronomical amount on food, but now it’s fixed! We’ve been eating dinner in every night!
  • Go Through Your Closet. Deadline: Middle of September – Check!
    • I went through my closet and sold around $75 worth of stuff! I was extremely happy that they took everything, but I still have so much more stuff to get rid of.
  • Plan for Holiday Travel. Deadline: End of September – I have no travel planned.
    • I’m not the type to plan my travel way ahead of time, but I usually don’t leave for the holidays anyways.
  • Make a Holiday Gift Plan. Deadline: End of September – FAIL
    • Haven’t made a gift plan. I usually just like to go to the store and wing it.

September was a pretty good month I think.  I accomplished a lot and managed to curb my spending really well! I’m so happy.

How did September go for you?

7 Comments
Filed Under: Goals, Life Tagged With: Goals

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Hello and welcome!
My name is Michelle and I'm the author/owner of Making Sense of Cents. Learning how to save money and make more money changed my life. It allowed me to pay off $40,000 in student loans, start my own business, and I now travel full-time.

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