^The picture above was at my personal trainer’s studio many years ago.

It’s a new year!  I am extremely happy to see the back end of 2017.  It wasn’t a horrible year, but it wasn’t a great one either.  I honestly can’t say that I achieve a single goal that I wanted in 2017.  As a matter of fact, I was very lax in everything last year.  I did nothing.  Well, I’m determined to make this year different.  I honestly want to take charge of my health and finances this year.  I’ve decided to tackle it month by month instead of making a goal for the year.  Well, I guess taking charge of my health and finances would be my goal for 2018, but I’m going to break it down in monthly goals.

My health is something that I need to get in control of.  Here is the honest truth..I’m diabetic and I have high blood pressure.  It’s not a good thing.  At all.  About 10 years ago, this started to rear its ugly head and I did my best to get out in front of it by hiring a personal trainer to help me with my fitness.  I was very involved in my nutrition by reading and researching everything I could online.  I counted calories, I stopped eating processed food.  I stopped drinking soda. I had pizza every once in a while (maybe once every other month).  I was ON IT!  And I was successful.  I dropped 50 lbs.  I lost many many inches and I felt good.  But, it was hard!  Anyone who tells you healthy living is easy is lying to you.  It was hard.  It was so hard only drinking water and taking more than 10 minutes looking over a menu when going out with friends to see what I could eat.  It came easier with time, but..still…it was hard.  At some point, I hit a plateau and that is honestly the most frustrating part of losing weight.  Plus I started to have financial problems because the recession was starting to hit….so I ended up losing momentum.

Well, here we are many years later and I’ve completely gotten off the wagon. I stopped working out.  I stopped paying attention to what I’m eating and here I am..taking pills for blood pressure and diabetes.  I don’t like it at all, so it has to change.  My goal for the month of January is to exercise five days a week.  I have a treadmill in my bedroom right next to the bed.  There is no excuse to not hop on it almost every single day for an evening walk.  So…there it is.  In writing.  Five days a week in the month of January.  I will add on to this goal in February.  Small steps is all I need.

Next is finances.  My finances spiraled out of control last year.  I did start to change things in the fall of last year, so I just want to continue that path.  I hate being in debt.  I hate credit cards.  I would love to pay cash for everything and have extra cash on hand for emergencies. I hope to never have to pick up a credit card again!  Again, when I bought my house over 10 years ago, I was completely debt free.  I had paid off every single credit card I had.  It was great.  I felt so accomplished.  I had set a goal and followed through.  I was proud of myself for doing it.  Today, I have about five credit cards, all with balances.  I’m ready to get rid of them all and that’s going to be my goal for 2018.  The month of January, I’m tackling the first card.  Lowe’s.  My goal is to pay this card completely off in January.  It’s about $160, but that’s money that I can free up to tackle the next card.  I also plan on putting about $200 in savings during January.  I plan on doing this by not dining out AT ALL during the month of January.  I will only eat what I have in the house.  I will be doing a strict monthly budget so that I can work to get both of these goals done and maybe even get a running jump on the February goal.

Well…here we go.  It’s all in writing. These are my goals for January.  2018 is a year for advancement.  Same old me…just a better version.

What will you be doing in 2018?

Talk to you all soon……..