BHAG2018

I’ve been struggling to come up with big, hairy, audacious goals. For the past two years I had all consuming goals with big payoffs ( demolishing debt and saving for big home renovations). This year the goals don’t seem as big, in keeping with my word of the year they’re more of a continuation of 2017.

Goal 1: Pay no interest on the kitchen

We’ve been saving for the last year or so to completely overhaul our kitchen. The plan was to pay cash and be totally consumer debt free. Then we learnt if we used the store credit card we’d pay no interest on cabinets, flooring and appliances for 18 months.

This allows us to purchase other items with cash and defer full payment on those pieces for a bit.

My goal is to have the kitchen paid in full by year end. My stretch goal is to have the kitchen paid in full by April. I’m not going to stress about this as if I take the year the money not going on the card is accumulating interest and will be used as a final payment.

Goal 2: Host an anniversary party

ML and I always wanted a wedding do over. As the cost of that rivals the kitchen we opted to have the kitchen done with the intent of hosting at home.

My desire to pay off the kitchen in April has a lot to do with wanting to transfer kitchen savings to party savings. We’d like to host a standing reception. Based on our wants that’s going to cost about $5,000.

This is another reason to keep the kitchen under budget as ‘leftover’ kitchen budget will be turned into party money.

Goal 3: Take time for self-care

Thanks to the concussion I learnt I can do a lot on slow days by prioritizing relaxation. Somehow an exceptional amount of work gets done but I finish the day relaxed rather than frazzled.

I need to continue prioritizing down time, less screen time and enjoying days rather than racing through them.

What are your plans for 2018?

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