Before 30:
- I will pay off my credit cards.
- I will pay off my student loans.
- I will build a 6-month emergency fund.
- I will open and fund my IRA Roth.
To achieve these long-term goals, I have set short-term goals for 2010.
- Pay off credit card by March 2010.
- Save $4,000 in savings account.
- Save $2,000 in IRA roth.
- Have a yearly budget of $1,300 for groceries.
- Have a yearly budget of $600 for eating out.
- Have a yearly budget of $960 for entertainment.
- Pay for vacation trip with cash.
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