small goals, big progress

i talked recently about making step ladder goals....little goals along the way to be happy about progress and breakup the hugeness of paying $34,114.73 in 24 months!

here are my bigger, little goals :)

1. pay off all consumer debt (credit cards)
2. get under $10,000 on my student loans
3. achieve a positive net worth
4. $7029.55 on student loans (which will be half of what i started with on may 1)
5. $10,000 down on my total debt in 6 months or less

the best part about goals, are rewards. so i came up with a few fun things i can reward myself with for meeting each goal.

1. i already reached this goal, so rewarding now would be anticlimactic :)
2. mkors watch (don't worry, i've been saving gift cards)
3. a dinner out (my mom will be in town the month i think that i'll make it, i bet i could talk her into paying)
4. brunch with a friend at the st julien (use my gift card, that even includes tax/tip) i won from a contest)
5. a night at the st julien (with a gift cert)

i'm a big believer in goals and rewards. just be careful your reward doesn't hurt your future goals. they say when you're dieting it's horrible to reward with food-the same goes for financial goals, don't reward with spending money because it'll just curb your future progress!!

save those gift cards!
xoxo ashleycolean

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