2012: A Plan for Success

by Kay Lynn

After taking a look back at what worked and didn’t in 2011, I’m ready to make 2012 the best year ever!  Instead of making resolutions and getting the baggage that comes with that word,  I make goals in several areas of my life.

HMS Resolution, Cooked up in Whitby

Make the Goals SMART

It’s important to make SMART goals.  SMART is an acronym for Specific, Measurable, Accountable, Realistic and Time-based.  By making sure each goal meets these criteria a person is much more likely to be successful.

Financial Goals

1. Pay off remaining non-mortgage debt by March 1.  That old student loan is almost gone with $18,000 paid off last year. There’s $6,000 to go and it’ll be paid off by March 1.

2. Contribute maximum amount in 401K. I used to wonder who could afford to make the maximum contribution to the 401K plan. Now, I know it’s people without debt!

3. Research and Open a Roth IRA by October.  This sounds like an easy task, but I’m going to do lots of research to figure out what’s the best option for my husband and I.  I’ll share learnings here with you.

Personal Goals

1. Lose 20 pounds by July 1st and 10 more by December 31st.  I’m not giving up on the weight loss.  Being forced to buy some new clothes because the old ones fit was the kick in the fanny I needed.  I’ve already started eating healthier and have joined Newlyweds on a Budget’s 10 pound challenge to get going.

2. Declutter 365 Items in House.  My closet is looking a lot better since last summer’s purge, but there are other areas needing the same attention. I’m joining Single Saver’s declutter challenge to keep me accountable and motivated.  This weekend I’ll start with my bathroom drawers.

3. Prepare Wills.  My husband and I don’t want to create a living trust yet so we’ll get our wills done this year.  He’s motivated so that will make it happen — finally!

4. Eat Five Servings Fruits and Vegetables Five Times a Week.  This might not sound like a lot, but it’s a struggle for me to get this many servings in my diet regularly.  By making it a requirement only five days a week, I won’t throw in the towel if a day is missed now and then.

Blogging Goals

1. Increase Subscribers to 1,000. Let’s break through the three digits this year and get 1,000 subscribers to Bucksome Boomer.  (If you don’t subscribe already, click here to help me get there).

2. Have Four Guest Posts Published. One way to get more subscribers is to guest post at larger blogs.  My goal is to get one post published at a large blog each quarter.

3. Publish Bucksome Breeze Monthly.  Most bloggers are very good about publishing newsletters, but I haven’t found my groove yet. Now that I have it started, I will publish at least once a month with unique material and giveaways.


 There are many other things I want to accomplish in 2012, but they will be quicker to achieve and aren’t listed.  This list includes goals that will challenge me not to give up so I appreciate your accountability.  Here’s to changes — one day at a time.  What are your plans for 2012?


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Michelle @ Making Sense of Cents January 9, 2012 at 6:32 am

Good luck with your goals. I have a lot too.

Corey @ Passive Income to Retire January 9, 2012 at 7:54 am

Good luck in your goals! I like them a lot. I have been thinking about setting up a will, but I’m not that motivated yet. Maybe 2013. 🙂

Money Beagle January 9, 2012 at 8:12 am

Paying off six grand in two months is awesome, Boomer. You deserve a celebration once you hit that goal!

Kay Lynn January 9, 2012 at 12:36 pm

Thanks, Money Beagle. This is where blogging income really helps. About half will be from blogging income and other half from my day job salary.

krantcents January 9, 2012 at 11:56 am

A set of goals with a plan is a recipe for success. Keep it up.

Jeff @ Sustainable Life Blog January 9, 2012 at 12:03 pm

Good luck kaylynn! Thanks for sharing the secret about maxing out a 401k with me – I often wondered the exact same thing.

Marie at FamilyMoneyValues January 9, 2012 at 3:57 pm

I am on a de-clutter mission this year as well – in between everything else though.

Kay Lynn January 11, 2012 at 4:36 am

Hi Marie, that’s why I joined the challenge. It will remind me to keep on top of it.

Emily Hunter January 10, 2012 at 2:49 am

I keep having the fight between the lizard’ brain and the rational, conscious one. I’ve removed the idea of ‘goals’ and replaced it with the concept of ‘direction,’ because goals always make me feel a little bit ‘eww’ when I’m not able to accomplish them. Direction, though… that’s a different story. I can change those, and push toward the same lovely things. 🙂

Kay Lynn January 11, 2012 at 4:38 am

Emily, I say use whatever word works. For me, I don’t like the word “resolution” so I substitute goal. If direction works for you, that’s great!

Financial Samurai January 10, 2012 at 6:21 pm

Good lck KL! I like the 401K goal, and also, does this mean you’re keeping the site?!

Kay Lynn January 11, 2012 at 4:41 am

Sam, I am definitely continuing Bucksome Boomer for the near term. I realized the fun when out of it when I was trying to keep up with my fellow bloggers and make it a career. I already have a great career so this can be my hobby. It makes me much happier! 🙂

Dr. Dean January 11, 2012 at 1:42 am

Good goals. I like that they are doable and move you ahead in life. I might have to join you in some of them.

Kay Lynn January 11, 2012 at 4:39 am

Thanks for the feedback. I am excited to start working on them.

MoneyforCollegePro January 11, 2012 at 4:34 am

Those are exciting goals! Especially your investing and blog goals. I’d be happy to host a guest post from you, if you need a spot for one!

Kay Lynn January 11, 2012 at 4:42 am

MoneyforCollegePro, I am always open to guest posts from fellow Yakezie members and challengers. Send it over whenever you can.

Bret @ Hope to Prosper January 19, 2012 at 4:14 pm

Great start to 2012 Kay Lynn.

Goals are way more effective than resolutions. I’ve been working towards some of my goals for decades. Resolutions fade out by the time we take down the Christmas tree.

Last year, I realized a lot of big goals and 2012 looks even better. I just don’t want to talk about the weight loss goal. I’m a lot better at saving money than losing weight.

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