Your 2012 financial goals

[rj.phila]

keep on keepin on.

buy another house.

get over my reticence to buy some index funds.

explore alternatives- like microloans-as far as investments go.

[kork13]

explore alternatives- like microloans-as far as investments go.

I like that one. I've considered doing that for a while, but my life has never been stable enough to get into it... I've been moving every year or two for the last 5 years, and moving overseas, I totally lost the opportunity (lending and investing laws prevent me from doing alot of stuff while I have a foreign address). I think once I move back to the states this summer (where I should finally stay in place for at least 3-4 years), I may look into starting small into micro-loans, and also do research into other various investment options.

[flippinterp]

My goals for 2012 are similar to previous years.

1) Save 15% of pre-tax income (to put in savings or IRA). Since my income is slightly variable, a percentage works better for me than a set amount.

2) Finish building 8 month EF. This one continues from previous years, but right now I've got about 5.5 months in case of emergencies.

3) Max out Roth IRA.

My one goal that's completely new is to get through my wedding without taking on debt. I'm not sure if my fiancee is on board with this one yet, but we have already made some cost-conscious decisions about the catering and reception site.

I realize that I probably won't be able to accomplish ALL of these goals, but I'll come out ahead just by trying for them.

[ecoadapt]

2.) Bring lunch to work more often which would save a lot of money!

I intend to make this step too! I find it more expensive buying food or delivering food in the office! My main goal this year is to save and save!

[Fizgig]

Most of it is "Keep on keepin on" type of stuff.

1. Keep investing ~30% of gross for retirement. (403(b), Roth, employer match)
2. Maintain one year EF.
3. Start saving for a replacement car. (Current car is 4 years old, goal is to save $30k in 6 years, or $400/mo. Opened the account a few days ago.)
4. Save 10% of net in a "fun money" account for splurges and vacations.
5. Accelerate payments on my rental property. (I rent cheaply in the HCOL area where I live, and have a cash flow positive rental in Houston, TX. It's my only debt.)

[Jwilliamson22]

1. Set 10k aside for EF
2. Pay-off 16k in student loans
3. Save 20% down for first home ($20ish)
4. Cut expenses
5. Continue to find alternative ways to make money. Sell things, small business etc.
6. Set aside all extra in 401(k) and Roth IRA

[HousingCounselor]

I hope to be debt free with $25k in savings by the end of the year.

I have about $3100 left in CC debt that should be paid off and some interest free medical debt that's about $2500.

I also hope to be able to give more this year. I've been so down about some health issues that I've had for the past couple of years that I think it will help me out a lot on the stress level if I could help someone else. I've been focusing on my own problems that I've taken for granted how blessed I truly am!!! I hope to do something for someone not for my glory or recognition...just because I think it's my time to do it!!

[feh]

I didn't reply initially because I didn't really have an answer to the question. Now I see that a few others have basically said the same thing: keep doing what we've been doing. I don't have any particular goals. Yes, I want to put 10K in the Roths, but we do that every year. Otherwise, just continue to save and invest, keep a handle on the spending and keep plugging away at work.

Ditto. Keep doing what we've been doing for years and years.