Here are the goals I set for us in 2014, with the results in italics. I think we did fabulous!!
1) Accumulate $4,000 in snowflakes from any source other than my husband's income to help reach our mortgage principal reduction goal. Yes! Accumulated $5,218.60 in snowflakes for 2014.
2) Pay down $13,992.99 in mortgage principal. This will bring us to an even balance at the end of 2014 of $X15,000.Yes, met this goal exactly. 
3) Save $50 per month to be used for Christmas gifts. Yes, we did this, too! The money was used for Christmas, but we did exceed this budget amount for various reasons.
4) Save $57 twice per month towards the 52 Week Savings Challenge. The funds to be deposited in my Capital One 360 Savings account. Yes! This was all automated and helped us fund our daughter's band camp trip coming up this spring.
4) Save $167 per month for each daughter for college, which is $2,000 each or $4,000 for the year. Yes, since it was automatically withdrawn we didn't miss one contribution!
5) Save 8% of my husband's basic pay in his TSP. This is a 1% increase from last year. This was automatic too. And we didn't really notice the change at all.
6) Save $458.33 each month for each of our Roth IRA's. This will meet the maximum limit allowed.Yes! This was also done by automatic investments from our checking account. I just record it each month.
7) End 2014 with $20,000 or more in our emergency fund. As of January 1, we are at $19,909.05. So close! We ended the year slightly lower at $19,854.81. If I had realized we were so close, I may have made an effort to fund it to $20K!
Make some goals! Make them realistic, but stretch a bit too. Break the big ones down into smaller goals, automatic your savings and investments, and maybe even minimum payments. Make it easy to reach the goal by getting out of your way!
Were you pleased with your 2014 financial results? Are your goals realistic for 2015? Do you or will you automate any of your investments or payments?
2014 Goals Revisted
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