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My savings goals are totally out the window this year. Worst economy I've seen in my adult live (I didn't graduate high school until 2009 so I kind of missed the nightmare of that financial crisis). But this financial crisis is pretty bad too. I need to recommit but feel like I'm still playing catch up.
Pro
I hear you. This year has been rough. It’s hard to stick to savings goals when everything feels so uncertain. I’m in the same boat too.
I don't have yearly financial goals, because so many factors that decide whether I reach that goal are out of my control. I stick to a reasonable budget, but unexpected expenses happen and have to be dealt with.
Pro
Totally fair, so much can change over the course of a year. I still like setting a goal to give me direction, but I’ve definitely learned to stay flexible when life throws curveballs.
I do, and then by March it's usually out the window. This year's goal has been derailed by my car breaking down and my German shepherd tearing his ACL. $11,000 total between the two 😭
Pro
Oof, that’s brutal, I’m so sorry! It’s crazy how fast plans can unravel with just a couple of big expenses. I totally get it, my goal took a hit this year too. Hoping things smooth out for you soon!
I have a loose saving goal for myself, but I try not to stress about it. If I go over, great, if I go under, oh well. The goal is to always be saving.
Pro
That’s such a healthy mindset. I love the idea that the real win is just consistently saving, no matter the amount. It takes the pressure off while still moving in the right direction.
Pro
Currently I am saving for a house so yes, but when I previously lived away from home I was more saving up for specific things rather than a savings goal in general. Like saving for a big holiday, or a new car.
Pro
That makes total sense, Saving with a specific goal in mind can be super motivating. A house is such a big milestone, so it’s great that you’re working toward that now. I’ve done the same in the past - e.g., saving for big trips or one-off purchases felt more tangible than a general goal.