Goals and Plans. Definitely!
Already acheived - Fully funded 3 month EF
No Credit Card Debt (any new charges paid in full monthly)
2008
Max $15500 into both our 401ks - on track via automatic withdrawals from pay.
Transfer $5000 each into Roth IRAs - completed in March
Save $6800 for vacation fund - completed in March
Save $2600 for Christmas Fund - on track by transferring $200/month into fund, but will probably complete by May 1
Save $2100 for Medical/House/Auto mini EF - completed in March
Save $1150 for 2009 Annual Bills such as Sewer, Tax Prep, Condo fee, etc - on track by transferring $200/month into fund, needed by Jan 2009, will complete by July 1 2008
Pay off HELOC by Dec 31 - started this Jan at $18800, have paid $10300, plan to use all refunds, commissions, etc. and should complete this by 12/1
Its good to have goals and plans