- Pay off my Direct Loan. The balance for this loan as of 12/31/10 will be right around $4,250. While this wont help out my cash flow that much, it’s still by far the lowest loan balance that I have. I’m hoping that this will be paid off in Q1, and it should be if I can get back to my gazelle intensity that I lost in December.
- Pay Off Truck. This goal is going to be a heavy lift, but I think that I can do it this year. I’ve beendebating if I should pay this off first or move on to the next lowest balance. In the end, the truck is going to win out because of the amount of cash that it’s going to free up. The balance on this note as of 12/31/10 is $17,979.
- Establish a routine at the gym. I seem to be teetering on the brink of a solid schedule of gym attendance, and I’d really like to have it gel into a nice routine this year. Unfortunately, this goal sits a bit at odds with my goal of paying off my debt (because I spend extra time working more to earn more). I’ve got a spreadsheet tracking my progress, and I’m aiming for 4 days a week at the gym (if anyone cares, tuesday, thursday, saturday and sunday). I think I can do this and stay focused on all of my other projects. I’ll share these results in my monthly reviews so you can keep up as well.
- Identify an unhealthy eating behavior and stop it. After thinking about this for a while, I’ve decided that instead of stopping an unhealthy behavior, I’m going to start a healthy one. I’ve decided that I’m going to eat vegetarian 1 or 2 dinners per week (my breakfasts are sometimes vegetarian, and I can switch my lunch if I want). This will give me 1 or 2 days of full vegetarian food per week, which should do great things for my health.