Goals for First 6 Months of 2016

December 30, 2015
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My goals for 2016 have been broken down into categories. I’ve decided to focus on debt, finances, health and image, relationships, personal development, blogging, and freelancing.  For the purposes of accountability and this blog, I will be sharing my debt, finances, personal development, blogging, and freelancing goals. Instead of focusing on the entire year as a whole, I’m breaking the goals down into 6-month wide range goals.  I’ll focus on tasks and achievements monthly.

Here are my overall goals for the 1st six months:


  • To begin my aggressive student loan payment plan (I plan to begin June 2016), I need to generate an additional $1,700 through freelancing and online hustles. This is really aggressive, but I’m not backing down – I’m up for the challenge!
  • Pay $1,100 balance on last credit card by 04/01/2016. I receive a work bonus every year in March. I’ll use the entire thing and pay it off if this balance remains after our 2015 taxes.
  • Pay off remaining $900 from maternity bill by March 31st.
  • Pay off baby student loan #1 by 8/1/2016. This goal will be easily obtained if I’m generating my income goal mentioned above.



  • Save $2,000 in Emergency Fund by December 31st. Broken down this would mean an average contribution of $166.66 per month.
  • Save an additional $500 in car maintenance account. Broken down would be an average of $41.66 per month.
  • Continue contributing to checking account buffer.


Personal Development

  • Read one financial book per month.
  • Continue money education with my daughter.
  • Quarterly meetings with mastermind group.



  • Grow Twitter followers to 1,500.
  • Grow FB followers to 750.
  • Learn more about maximizing Pinterest or outsource.
  • Figure out Alexa rating and study ways to improve it.
  • Strive to guest post once per month.
  • Write one evergreen blog post per month. (Luckily, after completing a quick strategy session, I came up with 21 ideas for evergreen content.  I’ve already done most of the work, now I just have to write them to stay on task!)



  • Reach or exceed an income of $2,000 per month by December 2016.
  • Diversify freelancing income.
    • I would like to find at least one staff writing blogging opportunity.
    • I’m in the early phases of writing a fiction children’s book that teaches basic money management principles.


To begin the year right, I’ve decided to include my micro-goals for January that will keep me on target for the year. I have a notebook just for all of these goals so I can map out what I need to do each month to stay on plan. I will keep myself accountable by doing my monthly hustle updates. For now, I will share what next month’s goals are here, and update you on how I did in December on my next hustle update next week.

January Goals

  1. Earn $500 in online/freelancing income.
  2. Gain 100 to 115 Twitter followers.
  3. Gain 60 to 90 Facebook followers. (I’m finding it to be more difficult to gain FB followers. Ya’ll got any tips? Please share.)
  4. One guest post. (This goal has already been achieved!)
  5. One evergreen post. (This goal is completed.  This post is already finished and scheduled!)
  6. Read one financial book.
  7. Readjust contributions for ER (emergency) and car maintenance funds.
  8. Pay as much on last credit card as I can stand.


I’ll keep you all up to date!  In the meantime, share some of your goals for 2016 in the comments below.  Let’s keep each other accountable. Also, any tips on growing my Facebook community? Weigh in!

*Part of Financially Savvy Saturdays on brokeGIRLrich, Disease Called Debt and Dream Beyond Debt*

Latoya Scott
CFEI/Social Entrepreneur
Latoya Scott is a Certified Financial Education Instructor and personal finance writer with a mission to help millennials learn how to stop living paycheck to paycheck so they can become financially carefree.

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  • Emily @ JohnJaneDoe December 30, 2015 at 12:00 pm

    You are ambitious! I’m trying a small list of specific goals this year, but I like your monthly microgoals. Good luck, Latoya!

    • Latoya S December 30, 2015 at 10:23 pm

      I think the personal and financial goals are totally doable; however, the freelancing and blogging goals are going to definitely be challenging. I’m looking forward with optimism though:)

  • Cat@BudgetBlonde December 30, 2015 at 9:55 pm

    Wow! That is an ambitious list of goals. I’m impressed. You are going to rock it!!

    • Latoya S December 30, 2015 at 10:24 pm

      Thanks Cat for the encouragement! Encouragement always helps us see the brighter side of the mountain standing in front of us:)

  • Shirria December 31, 2015 at 2:44 am

    These sound like very reasonable goals! I also broke down my 2016 goals into mini goals. Overall, I’d like to continue to earn/increase my blogging income, fully finance our home improvement, establish and build our emergency fund, and pay off ALL consumer credit card debt.

    I’ve got a lot of work cut out ahead of me and I see my 2016 hustle being more intense then ever.

    • Latoya S December 31, 2015 at 2:56 am

      Don’t stop, get it, get it! You can do it! Yes – hustle season is in full effect here too:)

  • RAnn January 3, 2016 at 3:44 pm

    Sounds like a good plan

  • Chonce January 4, 2016 at 12:43 pm

    Love your goals! 2016 is going to be another uphill battle for me, but I’m going to try to pay off as much debt as I can. I haven’t determined a set number because I already feel determined and dedicated enough to this goal to give it my all. Can’t wait to see how well you do with side hustles this year 🙂

    • Latoya S January 4, 2016 at 10:16 pm

      Thanks Chonce!:)