February is a short month, but I’ve got some big goals for it. I’ve already mentioned that I want to eat mindfully and with an eye toward optimal energy because there’s a lot on my plate these days. In addition to timing my whole grains and increasing my protein, I have a few additional resolutions I’d like to focus on.
With so much focus on our future (what is it about getting married that makes you want to organize your next 50 years?) I’ve been focusing a lot on our finances a lot lately—probably more so than The Fella enjoys because who wants to talk about budgeting, money markets, IRAs and loan refinancing every time their tuchas hits the couch” Me, I do, but I don’t think he’s as into it. When I get going on a project I tend to be moderately obsessive about it—it’s not always easy living with me, but I get sh-t done.
So, resolution One for February is:
Make a five year plan for our finances (without putting our relationship in jeopardy). I recently invested in some really handy software called You Need a Budget that is easy to use and light on intimidation. The principle behind the program is that every dollar you take in has a job. That job could be living in a high yield savings account for the next 15 years or paying for your morning latte, but you should be keeping track of where you’re putting your money. Last month I finished moving over all of my old 401K/403B IRAs from old jobs, to a new account I can manage on my own, and I’ve made a point of putting 5% of each paycheck into my current 401K (which is what my employer will match), and 15% in savings (rainy day funds I can actually access, as opposed to my retirement funds that will stay put for the next 30 years or so to avoid penalty). Since I’m pretty squared away, it’s time to tackle couple finances. Let the money management begin!
Be more mindful of sugar and alcohol intake. I’ve been way stressed lately both on the personal and professional front, and when that happens I know that I tend to eat more sugar and go out for drinks with friends more often. In moderation nothing is wrong with either, but I am planting the seed in mind to be mindful of how often I indulge in these little “extras” and be accountable to myself for my choices.
I think this Arnold Schwarzenegger quote pretty much sums up my time management goals lately,
I’ve always figured out that there 24 hours a day. You sleep six hours and have 18 hours left. Now, I know there are some of you out there that say well, wait a minute, I sleep eight hours or nine hours. Well, then, just sleep faster…
What are you resolving for February?