Financial SMART Goals for 2025
I am starting a bit early on goal setting for next year because I always feel like I wait too long to do so and do not take the time to think about what my goals should be and to set SMART goals. I have a blog post on what SMART goals are if you do not know what they are read that post first then come back.
In this post, I will go over my financial goals for the year 2025. I will be setting goals for reading and a lower-waste lifestyle and will share them fully in other posts. I use Monday.com for goals. Monday is a work management system to help you stay more organize and complete work projects with other team members effectively. I use it to keep me focused and organized. I used to write everything down and would have paper everywhere or planners half full. My ADHD is an issue so I am finding what works for me. This is a paid platform and I use it daily so it works for me. Once I have used it more and learned the figures I will do a review on it. I share the template that was created for setting and tracking SMART goals. I share screenshots of seven months of 2025. I do not share them all but at the end of quarters and months I plan to pay off a debt I share.
January 2025
On the January board, I have all the goals I want to achieve for January and yearly goals. I did break a few of them down into monthly goal but not all of them. I can track progress on that board all year long.
Payoff Credit Bur
Total Debt Paid off by 0.3%
Put an extra $65 each month into the Emergency fund
By the end of the year Increase Total Debt Paid off by 4%
By the end of the year have $1,000 in ER Sinking Fund
By the end of the year fully fund the last two Sinking funds in Qubes
By the end of the year pay $700 of Family debt
February
Payoff Debt one account in Collections Professional
Put an extra $65 each month into the Emergency fund
March
I have a huge stretch goal of buying a car in March. Right now my husband ad I share a car. We make it work but it is not fun at all. If we have not saved up the $10,000 down payment by then we will move that goal to another month. This is where evaluating your progress on a goal comes into play. The goal does not change just the date.
End of quarter goal- Decrease Debt by $3,000
Put an extra $65 each month into the Emergency fund
April
Payoff one account in Collections
Put an extra $65 each month into the Emergency fund
June
The quarterly goal decrease the debt total by $2,300
Put an extra $65 each month into the Emergency fund
September
Pay off Hand Therapy
Quarterly goal decrease debt total by $2,000
Put an extra $65 each month into the Emergency fund
December
I could not scroll the page up so you get to see my blog goals for December
Pay off one account in Collection Professional
Quartly goal of decreasing total debt by $2,000
Put an extra $65 each month into the Emergency fund
These are my financial goals for 2025. In my monthly debt payoff updates, I will share if I am accomplishing my goals. Follow along as I pay off debt at a disabled turtle pace.
