kiwiandherlife

Hi all,

Overall I am pleased on how my Financial Goals are looking this year. I have been tracking them very seriously since May, and should be able to achieve most of them. Circling back to my Financial Vision from my 2026 Vision Board, some of my specific financial goals are:

• $15,000 in an Emergency Fund by the end of this year.
  • Currently sitting at $11,600, so only 3,400 more to go. I will finish this goal by the end of October.

I have added the following financial goals for this year as well:

• $4,000 saved for Moving.
  • Not started yet. This will be started in October, and hopefully completed by December
• $2,500 saved for Future Children.
  • This goal might slip into 2027. I will likely save some of the money starting in December, but the rest will be saved in January/February 2027.

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What is the plan for the next couple of years?

The future children financial goal will be finished in January/February of 2027. Then I will move on to expand my Emergency Fund to $25,000 (reached by 2035) and start a House Down Payment Fund (Goal: $25,000 by 2029), as well as a Home Improvement Fund (Goal: $5,000 by 2030). Those are goals for multiple years to come, and I will share my specific goal for next year with next year’s vision board.

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Why?

A financial plan is basically a roadmap for your money, or giving your money a purpose. This way your money will go toward things you actually care about. This will also reduce financial stress and help:

• Give your money directions,
• to save money consistently,
• build wealth over time.

The point isn’t to restrict yourself. It’s to make sure your money is helping you create the life you want.

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How to Create Your Financial Goals

It was a whole process for me, from watching YouTube videos, to reflecting on what is important to me and what I want to achieve as far as goal setting goes.

1. Decide what you want: Take a moment to think about what you want to achieve financially. Think about what is important to you and what you want your future to look like.
2. Give every goal a specific dollar amount: Do not set a general goal like “I want to save money,” give each goal a specific amount. For example, I want my Emergency Fund to have $25,000.
3. Give your goal a deadline: Decide when you want to achieve each goal. Having a deadline gives you something to work toward and helps keep you accountable.
4. Break your goal amount into a monthly amount: Take the total amount you want to save and break it down into smaller monthly amounts. This makes large goals feel more realistic and achievable.
5. Prioritize your goals: Decide which goals are most important and which ones should come first. Building an emergency fund is the first priority before focusing more heavily on house savings.
6. Track your progress: Check your progress regularly to see how close you are to reaching your goals. Tracking savings can help keep you motivated and allow you to make changes if your situation changes.

Until next time,

-k.

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What are some financial goals you are working towards? Have you created a plan to reach them? I’d love to hear about your financial goals and how you’re bringing them to life!

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