2013 Goals

Not going to make this a long post.  My goals for 2013 are pretty simple.

1.  Savings rate of 55%

Last year I went for 60% and ended with below 50%.  I had some big expenditures last year which I don't see needing to pay this year.  I should also get a raise at work.  60% might still be a bit out of my reach but I'd rather shoot for the moon and crash land than not even bother leaving the house.

2.  Floss every night.

This might sound pedestrian but it's the little things that make all the difference.  Perhaps if I had taken better care of my teeth I wouldn't have had to pay so much in dental bills last year.  I have been flossing every night since December 28th last year with maybe one or two misses.  I believe it takes 66 days to form permanent habits so I'm well on my way.

3.  Do at least 5 pull-ups a day in January, 6 in February, 7 in March, etc.

Almost like the flossing you have to start out small and work your way up.  I need more upper body strength for biking plus I would like to work out both my upper and lower body.  Biking gives me legs quite the work out so I need another activity to keep things even.

4.  Dividends of $1000.00

I'd like to think I can hit this.  Last year I ended just shy of $400.00.  If I can reduce expenses to free up more capital for investing in dividend growth stocks I think I could hit this.  Again, shoot for the moon...

That's it.  Pretty simple.