Blogging Away Debt

What are your 2025 goals?

I don’t do resolutions. Not because I don’t have them, but because I never hold true to them. But I do have goals. I wrote about my Q1 2025 financial goals last month.

But even more so, I have a number of personal aspirations for this year out side of financial goals.

No better way to spend time in your own head then relaxing in your space with a good cup of MudWtr (mushroom based tea/coffee type drink)

Health

My number one health goal is to increase my flexibility and vary my movement from my daily walks. I have no plans to join a gym, I know that is not something I will not be consistent with and certainly do not want another bill.

With an empty room in my house and some basic equipment sitting around for years, I plan to start a in home work out routine. A jump rope, a set of free weights, a yoga mat, and a slew of saved YouTube videos, I am ready to take the next step in my health journey.

Yes, I did get health insurance. So there’s that too.

Schedule

Living alone. Hyper focus. And very few responsibilities outside of myself and my very own, personal goals, I have taken control of my schedule. I’m calendaring everything. Workout time for my health. Study time for a new certification I am pursuing. (More on that later.)

There is something very, very comforting to me in living by a plan. But if the years have taught me anything, it’s that I plan and God laughs. So while I am planning my days down to the minute. I am also embracing change as it comes my way.

I truly am open to whatever God has in store for me. Stay here. Go. Rebuild my business. Work in the corporate world. So many options…and I’m game for whatever!

How are you starting 2025? Resolutions and goals? Leaving things behind? Aspirations of where you want to be at the end of the year?

No Spend January

by Hope

Kicking off 2025 with a no spend month. This will be my first no spend month since being an empty nester. Evidently, I did a no spend January back in 2019. (See here: No Spend January – 2019 and Update on No Spend January – 2019.)

I’ve been fascinated by a slew of TikTok videos touting a no spend 2025…a year. It looks like a lot of people are struggling with finances and subsequently doing their best to button down and make better decisions. Most all have identified their own rules. And their own rewards for sticking to it. I love this on so many levels.

But I know better than to bite off more than I can chew. So I am sticking with my No Spend Month of January for now.

The Rules

Because of my “forecast” method, I know my required spend for the month.

Utilities	$280
Mortgage (February)	$1,015
Cell Phone	$90
Car Insurance	$480
Credit Cards (min pymts)	$276
Groceries (fresh veggies & fruits)	$40

Total	$2,181

My goal is no deviation from this forecast for this month. No extra spending money, no eating out, and no entertainment.

Mortgage

My mortgage for January is already paid. I’ve been paying a month ahead and every month. So while I technically don’t have a mortgage payment due this month, I do want to maintain my 30 days ahead on this payment.

Groceries

I’ve given myself $10 per week for fresh veggies and fruits if needed. But I’m hoping I don’t need it. I have meal planned for the month. And don’t anticipate much activity that would require me to deviate from my plan. I also put an extra $40 for dog food should it be needed.

A Quiet but Exciting Month

Gymnast will visit Georgia this month. He will be spending a week here. And the #1 goal is to get the kids’ car titles (Gymnast and Princess) transferred to them. (This visit is only reason I anticipate needing gas; otherwise, I am not sure I would leave the house.) As I mentioned last month, he has paid off his car loan in its entirety. He now owns his car free and clear. I am so proud of him.