Goals For The Remainder of 2015

November 4, 2015
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I haven’t been blogging here at Life and A Budget long, but I’m holding myself accountable to some pretty lofty goals.

You see, that $70,000+ student loan bill isn’t going anywhere.  Unfortunately, I’m going to have to sucker punch that bill out of my life and I am going to update you on my progress.

Not only will I share my progress with that pesky debt, I have other areas that I need to focus on as well.  I mean, I gotta live a balanced life, right?

Some of the goals are blogging/freelance related, other goals will focus on self improvement, and goals I may have for my family.

Without further adieu, here are my goals for the remaining weeks left in this year:

Guest post on 3 more sites.  

I recently guest posted over at Disease Called Debt.  Head over and check it out if you haven’t had the chance.  I’ve submitted another guest post that hasn’t published yet.  As soon as it does, I’ll share it with you.

I’m really being diligent about my guest posting because I don’t want to just feed the internet with crappy junk, nor do I want to waste other bloggers time with content that isn’t thoughtful or engaging for their readers.

I’ve read blogs for years and I know what I’ve come to expect at some of my favorite sites and I don’t want to come across as that unhinged blogger who is hungry for links back to her site.  That is not the case at all.

Land a freelancing gig.

To pay down this debt, I have to work!  So of course, this is one of my major goals as I finish out 2015.

I’m currently focusing on writing work at home and personal finance content; however, I do offer many other topics that I am capable of producing quality content on.

If you’re in search of or know anyone who needs a freelance writer or blogger, my services are available. Check out my hire me page!

Create 6-month plan for 1st half of 2016.

One thing I’m focusing on is making a certain amount before June 2016.  I will share more in detail once I’ve created this 6-month plan, but this is why it’s imperative for me to build up a clientele, guest post, and create good quality content here on Life and A Budget.

Read one financial book per month.

I might not have shared this yet, but I’m a book lover. If I could do one thing for the entire day, without interruptions, it would be reading!  Since I want to continue to educate myself and my children on finances, it’s a good idea to invest in myself by reading some quality finance books.

I’ve recently ordered 3 books from Amazon (all under $2…did I mention I was cheap).  The books I ordered are:  Raising Financially Confident Kids, The Wealth Cure:  Putting Money In Its Place, and Girl, Get Your Money Straight.

I’ll be sure to share the deets on the information provided in these books and whether I would recommend them to you.

Introduce one new money concept to my daughter each month.

If you’ve read my post at Disease Called Debt, you would have discovered that I’ve recently been focused on educating my 5-year-old daughter about the basics of money. This month I’ve kept things pretty simple with coin identification.

They have learned a lot of different math concepts this month that lines up with our money lessons and I know it’s easier for her to understand now. Next month I’m going to introduce the saving, spend, giving concept.

She currently has 2 piggy banks, but I don’t believe this system is helping her grasp the concepts that she needs to learn.  So I will switch to 3 jars and begin with allowing her to decide which coins should go into each jar weekly.

Find a mentor.

I’m currently narrowing down prospects, but I definitely want to invest in myself so I won’t allow excuses to continue holding me back.  I believe having a mentor will bring an extra level of accountability and will help me focus.

Pay off the rest of an interest bearing credit card.

I recently got approved for a card with a no interest on balance transfers for 18 months.  I transferred $1100 from a credit card that I had charged up during my pregnancy (pregnancy, depression, unplanned c-section didn’t make me a smart girl when it came to my credit card this past summer).

After the transfer, I will be left with about $150 left on the card.  This amount is for baby formula that I purchase monthly from Amazon, so the amount is already accounted for in the budget and the card will have a zero balance.

I wasn’t making any progress while paying $20 in interest a month so this card had to be dealt with.  I will continue to use it for my subscribe and save items from Amazon.  I will pay it off in full once the transaction is complete and continue to build up credit rewards.


There, you have it!  Those are my goals for the rest of 2015.  What goals do you hope to complete by year-end?



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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  • Chonce November 4, 2015 at 1:37 pm

    These are great goals to tackle by the end of the year. I fail so miserably at reading books just due to lack of time. I am hoping to pay off my car note by next month get organized for next year. If you ever have any freelance questions or need any help with that, let me know! 🙂

    • Latoya S November 5, 2015 at 1:47 am

      I know you will be one happy lady when that car note is gone! Thanks a bunch Chonce, I definitely will:)

  • Shirria November 6, 2015 at 2:57 pm

    I’d love to read finance books as well. right now all I read remotely about any kind of book outside of my children’s homework, is reviews of books. I’d love to get an audiobook membership but the price doesn’t fit into my budget.

    I’m also looking for freelance work. I’ve pitched and have either received “no” or ignores. Just keep trying!

    • Latoya S November 6, 2015 at 11:48 pm

      Hi Shirria,

      Your local library may have a check out service for audiobooks. Mine does and while the selection isn’t as great as an audiobook subscription, I’m sure that they would have plenty of finance books, given their popularity.