💸 Financial Goals I’m Working On This Year

Building clarity, confidence, and long-term calm — one step at a time.

Financial wellness doesn’t happen overnight — it’s built in quiet, consistent choices over time. Some months are smooth, others are messy — but progress always counts.

At The Everyday Edit, I’ve chosen realistic, intentional goals that support both present peace and future freedom. Here’s what I’m working on this year and how I’m approaching it with more grace than pressure.

1. 📊 Build a 3-Month Emergency Fund

Life happens — and I want to be ready.
I’m automating a small weekly transfer to a high-interest savings account until I hit 3 months of basic expenses.

Why it matters: Peace of mind, fewer financial freakouts, and more independence.

2. 🧾 Track My Spending Weekly

Instead of obsessing over every penny, I review my finances every Sunday:

• What did I spend?

• What felt aligned?

• What was emotional or unconscious?

Why it matters: Awareness = empowerment.

3. 💰 Contribute to Retirement Consistently

This year, I’m aiming to increase my monthly retirement contributions by just 1–2%. It’s small, but it adds up over time.

Why it matters: Future me deserves financial ease.

4. 💳 Pay Off My Smallest Debt

Rather than tackling all debts at once, I’m focusing on my smallest balance first using the “snowball method.”

Why it matters: Momentum builds motivation.

5. 🛍 Spend More Intentionally

I’m not doing a no-spend year, but I am:

• Creating a “want list” before impulse buying

• Practicing 24-hour pauses on big purchases

• Prioritizing experiences and essentials over clutter

Why it matters: Less guilt. More joy.

6. 🧠 Educate Myself Monthly

Each month, I read or listen to something finance-related:

• A podcast (e.g., Her First 100K or The Financial Confessions)

• A book or blog post

• A YouTube deep dive

Why it matters: The more I learn, the less I fear.

Final Thoughts

Financial goals don’t have to be intimidating — they just need to be yours.
Give yourself permission to start small, shift as needed, and celebrate progress over perfection.