20 for ’20 Challenge

I read a blog post by one of my fellow stitchers about 19 for 19.

19 for 19 was a challenge she was doing to motivate herself to accomplish specific goals for the year.

I have done yearly challenges before but none quite like this.

I am coming in late to the game for 2019 so I am going to start 2020 early. Why wait, right?

I like this challenge because I have so many interests and hobbies and 20 distinct goals will help motivate me in all of those interests and hobbies plus starting now will give me 16 months to complete things instead of just 12 months.

Here is my 20 for ’20

1. Build a new garage

2 – Major cross-stitch projects completed.

3 – Projects completed in our house (not to include windows).

4 – Books read a month.

5 – Windows replaced in our house.

6 – Blog posts a month.

7 – Movies at the theater with my family.

8 – Hours a month studying herbal medicine and/or herbology a month.

9 – Birthday cards sent out to 9 friends.

10 – Small cross-stitch projects done for the year.

11 – New herb varieties planted for the year.

12 – Recipes I teach to my son.

13 – Minutes of exercise a day.

14 – Walks a month.

15 – $15,000 in debt paid off.

16 – Proper dates with my husband (planned).

17 – Etsy Listings posted a month.

18 – Books of the Bible read.

19 – New Recipes tried.

20 – Visits with people.

Some of these are pretty lofty goals but I will post about my progress often.

If you did this challenge what would your 20 for ’20 goals be?

Here’s to the next 16 months! -MM

A Journey

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I hesitate in writing this post because if I fail, everyone will know it. I feel that I must though, because there has to be more people out there like us that have this problem.

Debt.

We have been plagued by it for the past 8 years. My husband and I were each going through divorces when we met and then we jumped into opening a bakery together. It was good and then it was bad. We still haven’t recovered from it.

So that’s pretty much the back story. We aren’t people that go on expensive vacations and buy tons of clothes. Most of our debt has just been living expenses. Surviving expenses more like it.

So why am I writing this post now? Because I have come up with a plan. A solid plan I think. It won’t be easy but in the next 80 weeks, that’s about 18 months, I want to pay off about $35,000 in debt which would leave us with just a home equity and a small balance on our mortgage.

A little scary right? Yeah I think so too but we can’t keep letting this rule us. We are young and have some living to do. This debt stuff is for the birds!

I plan on updating once a month on the progress we make in paying down our debt but I will post weekly about the steps we took to get there.

Take a deep breath with me.

The first post will come tomorrow. See you then. -MM