She Strengthens

My Financial Blueprint: 10 Goals to Achieve Before Turning 25

As I approach my 25th birthday, I’ve reflected on my financial journey so far. While I’ve made progress, I know there’s still much to accomplish. Here are the 10 realistic and personal financial goals I’ve set for myself to achieve in the next seven months.

Building a Stronger Financial Foundation

1. Boost My Retirement Savings: I aim to contribute at least another $2,000 to my IRA this year. Although I can’t contribute the maximum amount, I’ll make regular transfers to take advantage of my IRA benefits.

Exploring the World

2. Take My First Adult Vacation: I’m planning a summer vacation with my boyfriend, and I’m confident I can cover the costs. It’s time to start exploring beyond the U.S. borders.

3. Save for a Bigger Trip in 2017: I want to prioritize international travel next year, whether it’s visiting family in India or exploring Europe. To make it happen, I need to start saving now.

Navigating Financial Changes

4. Manage Finances as a Couple: As my boyfriend and I prepare to move in together, I need to learn how to pay bills, budget for food, and maintain good spending habits as a team.

Streamlining My Finances

5. Track Expenses and Write-Offs: I’ll keep accurate records of my expenses and write-offs throughout the year, rather than scrambling at tax time. I’ll also set aside money for taxes in a separate account.

Career Growth and Financial Freedom

6. Increase My Rates and Prove My Value: I’ll continue to raise my rates and demonstrate my value to clients, ensuring I’m earning what I’m worth.

Smart Financial Decisions

7. Get an Airline/Travel Credit Card: It’s time to take advantage of credit card rewards and benefits. I’ll do my research and find the right card for my needs.

Shifting My Mindset

8. Embrace the “Say Yes First” Rule: Instead of saying “no” due to financial uncertainty, I’ll focus on finding ways to make things happen. This mindset shift will help me prioritize my goals and desires.

Planning Ahead

9. Budget for Bills and Gifts: I’ll set aside money for gifts and plan ahead for bills, ensuring I’m always prepared and avoiding last-minute financial stress.

Taking Control of My Finances

10. Become a More Independent Financial Decision-Maker: I’ll work on trusting my instincts and making confident financial decisions without seeking approval from others. It’s time to take ownership of my financial choices.