Refining Goals, Saving Money

This weekend I decided to skip barbell club and go on a trail walk instead with my local chapter of Hike it Baby.  Now that the weather is cooling off, I’m enjoying being outside again, and finally gathering some steam for my walking habit. I love going to barbell club, but I know my hiking options will be more limited all winter.  Kiddo and I enjoyed the walk! And thanks to the porch gym equipment, I was still able to get my weightlifting in later. I’m very grateful to have that flexibility. Between the hike and weightlifting, kiddo and I spent a lot of hours outside on Saturday and we both loved it! One hazard of training with a kiddo: he dropped a .5kg change plate between two of the porch floor boards. Barbell math just got a lot harder! Oh well.

Earlier this week I wrote about stumbles while developing habits. I’ve been thinking about another habit that was on my list. Or rather, it wasn’t a habit, it was a goal. The goal was to save $12,000 this year, thereby finishing our family’s emergency fund (we started the year with around $2200 in this fund). This is baby step 3 in the Dave Ramsey baby steps.

Well, we were making some progress towards this goal…..and then we needed to replace our car. That setback really took the wind out of my sails on this one, and the fund has been stagnating ever since, nowhere near the goal for the end of the year.

So, I’m tweaking this goal. As I talked about in the stumbles post, there have been other goals (walking, bedtime) that needed to be changed a bit in order for me to really take off and develop the habits. I’ve decided to make it a habit-based goal like all the others, instead of an outcome-based goal. Instead of saying “get to $12,000 in the account by the end of the year,” I’m now saying “deposit $10 or more in the emergency fund, at least 15 times by the end of the year.” This will help with developing the habit of saving. It doesn’t seem like much, but it is more than I am currently saving, and once I develop that habit, I can look into saving more aggressively.

Shana Tova, all!



2 thoughts on “Refining Goals, Saving Money

  1. Pingback: Weekend Update: Plodding Along | Power, Peace, and the Porch Gym

  2. Pingback: How to Set a Sustainable Habit Goal This Year: Part III | Power, Peace, and the Porch Gym

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