Big Financial Goal. I got one.

How about you?

I bet if we were to compare our goals, some might be identical (FI aka Financial Independence) and others would be very far apart. For example, one of my goals is to knit a pair of socks.

Yup. I got #grannygoals

Mr. Money Tree often reminds me that I am able to walk into most stores and buy some socks.  In fact, he is right. I can walk into most stores and buy socks. Socks for the masses. The socks I want to create are just for me. My colors, my pattern, my socks.

I would argue that goals are the same in theory. Most goals are not for the masses. Many goals are personal in nature. Unique and individual, goals are YOUR estimation of what is worthy of your time and efforts.

 The trick is to realize that anything that moves you forward in skills, self development and character is a worthy goal.

Admittedly, I have judged others goals unfairly.  For almost a decade, Mr. Money Tree had a goal of hiking to every high point in the United States, known as highpointing. I could not understand his desire to walk, hike, or crawl to the highest point anywhere, especially fifty of them.  For awhile, our family trips centered on grabbing a high point as we vacationed. He used to travel frequently, so he was able to check quite a few off the list thru his work trips.  Lately, the goal has stalled, due to the reality that most of the “easy” ones are completed. Some of the larger ones out West are worthy of a couple of days commitment. Personally, Ohio was the best. Just drove to a spot in an Career Center complex, and there you were! No walking, hiking, crying required.

The reality is I shouldn’t expect others to “feel” my goals as well. If my goals are financial or personal, they are uniquely mine.  There are a number of things we do around our home to keep expenses down. Reducing our daily use of utilities and food waste is a constant goal. It isn’t sexy, but I hang laundry 90% of the time. Our dryer is electric and eats thru wattage like Cookie Monster wood chipping a bag of cookies.

Some of these daily actions pay off quickly, others are based more on reducing waste and re-purposing.  Our current BIG goal is to pay off our home before Mr. Money Tree retires. We have approximately a decade to knock the mortgage on its butt!

Here is a list of some of the “silly” small things we do to help us gain financial momentum to hit our mortgage free goal.

  • Reusable cloth napkins. They frequently will work for more than one meal.
  • Hang dry clothes. We have an app that tracks our electric dryer usage, what an eye opener!
  • Home packed lunches for Mr. Money Tree. He is the best! Leftovers are his love language!
  • If possible, buy any of our needs from a thrift store. Excepting undergarments and pillows.
  • Make many of our gifts
  • DIY everything possible! This works really well when you are married to an engineer.
  • All of our light bulbs are LED.
  • Listen to podcasts on financial issues and investing.
  • Chop and split wood to help heat our house.
  • Read and visit blogs that share our goals. I love to learn from other people!
  • Focus on gratitude for all that we have in our life.
  • We tithe at our church and support children overseas. We believe that we are only stewards of our money, trusted by God to use it wisely. When we give, we know that we are blessed in return.

Goals are designed to challenge and stretch us, in our body, soul and spirit. Do you have goals? If not, go grab some and challenge yourself to change thru the process of commitment to a goal.

Share your goals with me!What tricks do you use to help achieve those milestones?
Photo Credit: seango Flickr via Compfight cc