My 2023 Goals | Financial and Personal, and my word of the year for 2023

[@DearDebt]

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[@Darkest4Huntress]

The first year I used the word of the year, it was Portion Control. I not only lost weight as I wanted, but I also rid my life of the negativity, and was on the internet and phone less. It was an amazing accomplishment. My word of the year this year was foundation. I found there were many times I would feel lost, overwhelmed, or a failure and the next minute I would hear or see that word around me. It would remind me that I was going to be okay and that I would survive these things. For 2023 I chose the word "Endurance" I looked at my goals and saw that I was going to have to endure a lot of changes I may not be ready to do. For my health and wellbeing though, I have to do them because if I don't, I may not make it to 2024. That is something I can't let happen. I have to live on and be there for my family and friends.

[@DearDebt]

Amazing words that you’ve used and endurance is a fantastic word for 2023! 😍

[@Darkest4Huntress]

@@DearDebt Thank you. I really enjoyed your video and plan to follow you for more great information.

[@singleparentfire2363]

My #1 financial goal for 2023 is to save a total of 100K+ for a home down payment. I live in NYC so homes are super expensive 😫

[@DearDebt]

Amazing goal! You’ve got this!!! 😍🥳

[@carolherm]

Good luck! That's a great goal!!

[@blackjag121]

Likewise!

[@MayavatiBanerjee]

When I first read this comment i was like wow 😳 she will put down so much more than 10 percent. Then I noticed the word " New York" and realised ah she might not be able to put down 10 percent 🥲

[@blackjag121]

@@MayavatiBanerjee Not always true. I live in NYC. There are cheaper parts in the city where that would be a 20% payment.

[@daniellephillips9708]

Great goals!! 2023 will be a great year! My word is intentional. My financial goals are my favorite. To become debt free and fully fund my sinking funds for 2023 and 2024. Also save 3-6 months EF.

[@DearDebt]

It’s going to be such an exciting year for you!!! Woo!! 😍😍😍

[@zoea2812]

My word for 2023 is " Routine ". I have found I do much better with a set focus, and so " routine " is going to help me get all my goals achieved.

[@DearDebt]

I love that word!! Perfect for 2023!

[@PinkLadyCharm]

Engage is my word for 2023

[@DearDebt]

That’s a great choice!

[@GH56789]

I can't wait to hear about your 2022 recap. I love your videos!

[@DearDebt]

Thank you so much!! It’ll be up Monday 🥰❤️

[@_feelslikehome]

My word for 2022 was GROWTH too!! And 2023 is RESTORE/RESTORATION

[@DearDebt]

Love it!! Great word for 2023!

[@tiffanygibson8934]

Definitely hire an attorney for estate planning work! I work at law firm in Alabama and many of them charge flat fees and it’s not too terrible expensive!

[@DearDebt]

Thank you!’

[@annmariejones4511]

I tend to set too many goals and then I get overwhelmed so this year I’ve got 3 categories and will focus on one at a time for each category. In the debt pay down category both my husband and I are going to try to pay off our vehicle loans. Our top savings goal is to save $10,000 in our house fund. My top personal goal is to move my body intentionally every day, even if it’s only for ten minutes…but even this one has some steps to it because I need to get some health issues resolved in order to be able to do this better. I really want to prioritize my wellbeing and fun this year so I’m thinking my word should be something that reminds me of this. I’ve done a word of the year before and it’s honestly one of the most impactful things for me!

[@DearDebt]

I love your goals!! Intentional could be a cool word choice. It was one I considered for 2023!! ❤️

[@budgetnerds]

I agree a word of the year is kinda cheezy sounding, but it's growing on me and this year i'm giving it a go! Our word(s) are fun and maintenance! We had a rough 3 years growing and grieving at the same time and we are at a point we need to have some fun and maintaining what we build. Part of our growth was 2 baby's very close togheter so I totaly relate that I ass well want to get in shape again, I do like working out so it will be FUN ass well 🙂I have to be carefull howevery cause I can not do high impact workouts yet. I have a bike (not peleton) and that is a great workout I can do without leaving the house or hurting myself. Plz stay consistent with your youtube goals, I enjoy them! Great idea to work on the mortgage so soon, it will safe you so much intrest!

[@DearDebt]

Thank you so much for watching!! I hope you enjoy having a word of the year. Please report back and let me know!!! I’m sorry you’ve had a rough three years, I hope this next year is a great one for you 🥰❤️

[@DebtFreeJessie]

So many new changes for your family this last year. I haven't picked a word for the year before, but I like the idea. I think grace would be a good word. I have some goals I'd like to achieve, but I want to make sure I'm kind to myself. My oldest daughter is a teen now, too, so giving her grace working through these challenging hormonal rollercoasters will be a big theme. Thanks for sharing! I enjoy your channel.

[@DearDebt]

I love that word! Thank you so much for watching. I love reading your comments ☺️ Ooo those teenage years are so tough but grace is such a great word to capture it honestly. ☺️❤️

[@planningredhead]

I love your word of the year! I agree setting goals each year is so important. Here's to hoping you meet all your goals this coming year and I can't wait to follow you on your journey to meeting these goals. I just wrote out my goals and I am hoping that will help me achieve them!

[@DearDebt]

Thank you so much for being here!

[@SnowGardener307Budgets]

Amy...I love this! Thank you for your inspiration!! I needed it! Happy holidays and new year!!

[@DearDebt]

Thank you so much!!! Happy holidays and new year!! 🥰🥳❤️

[@livy6908]

Hi Amy, great goals. In 2022 I committed to debt repayment, and I succeeded. (Great feeling!) My theme for 2023 is: 'Crossing the river' because I want to make some fundamental changes, and I'm already preparing the systems to put in place for this to happen.

[@DearDebt]

I love that!!

[@heyyitssj]

Great goals! 2023 is going to be a great year 🎉

[@DearDebt]

Woo!! 🥳🥳😍

[@AL-nh6zm]

Great goals ! I always like to set a small number of realistic goals so that I feel more motivated to achieve them. This year I had 2 : get my first ever job (✅) and build an emergency fund (✅) 😌 For next year I have decided on 3 goals : - be more empathetic - ride my exercise bike at least once a week - and send money to retirement every month. As of right now I'm thinking 100 a month so really not much but I mostly want to make saving money for retirement a habit :) in future years I will probably increase that amount Of course it doesn't mean that I won't also save for other things (I plan on creating a house fund this year and I would also like to increase my emergency fund a little) but I prefer to only set 3 goals so that they're always on my mind 😌 Edited to add that I don't know if it works the same in the USA but where I live there is an automatic deduction from your gross pay specifically for retirement. You don't get to refuse, so everybody has to save :) for me it's around 350€ a month so when I say 100 I mean 100 on top of those 350, because the mandatory savings alone are for sure not going to be enough when the time comes)

[@DearDebt]

That is an awesome strategy! And great goals for this next year as well 🥳❤️

[@catwatches8690]

I made a goal of reading 54 books in 2022. Started a reading journal. Actually read 97 books. Woo hoo. Financial goals for 2023 include being good at tracking every purchase. I’m really bad at that!

[@DearDebt]

WOW!!! That is amazing reading. Excellent job!!

[@Salv-a-13]

We’re a one car family right now too! I’m not sure if we want to save to buy a car next year or if want to just keep pushing it out 😊. I may need to have that as a small goal just in case!

[@DearDebt]

I’m not even sure when we will buy one. I think we will wait as long as we can but I definitely want to make sure we have the money set aside. It hasn’t been as bad as I expected only having one car to be honest!

[@Maddie_951]

Great goals!!

[@DearDebt]

Thank you Maddie!

[@HelizhabethHCruz]

Love your videos Amy!

[@DearDebt]

Thank you so much!

[@bethbeckermeyer1732]

Great goals ☃️❄️☃️

[@DearDebt]

Thanks Beth 🥰❤️🥰

[@GailWhimsy]

I like your goals for 2023. I'm sure you will achieve all of them. 😃

[@DearDebt]

Thank you so much!

[@jessicamendezsiqueiros6232]

We also thought our second car was going to be under 10k…and then we went out to take a look. 👀 In this used car market, I’d go out there and take a look - pick a car and price it out. We saw the scariest stuff under 10k. Hope you can find something great!!

[@DearDebt]

We are hopefully going to be buying a car from a family member. It’s not for sure, but that’s why we set our budget at that amount. If that falls through, we will reevaluate the budget.

[@jessicamendezsiqueiros6232]

Magical! Hope it does work out. We saw a car with a rusted fork, food, crumbs and no back door handle priced at 12k - we ended up spending 16.5. But it’s at least something he’ll drive for many years this way. Best of luck in the New Year! I also had a new baby this year - lots of goals missed, but excited for this year!

[@DearDebt]

@@jessicamendezsiqueiros6232 omg nooo lol car prices are so nuts! Congrats on your sweet baby!!

[@catharinabra]

Our family focus for 2023 is health. I’m thinking we should do a special focus each month, like in january we’ll focus on eating 500 grams vegetables (and fruit) a day etc. I’m really happy about my workout routine, I’ve been working on getting to 3 workouts a week, I almost always get 2 or 3 in. Now when I’ve built the habit I’m going to level up these workouts 💪 in february I’m thinking about doing 2 nights a week without screens and play boardgames or doing something fun together instead. I want to make a plan to pay of our mortgage as well, but I can’t do that quite yet because some of stuff needs to fall into place first. So I’m thinking about goals and hope I’ll get them together before the new year 💫

[@DearDebt]

What an awesome idea! I love the thought of having a different health focus each month. That is awesome. Great job on your workout routine too! It can be so difficult but I’m glad you’re making time for you! ❤️

[@miarachelle14]

I'm currently in the process of building a house, which I'm hoping to move into in March, so I'll be making my 'yearly' goals then when I have a better idea of how much money I have to work with. Until then, the goal is just to save as much as possible and only spend on building the house!

[@DearDebt]

How exciting!

[@brucejenkins7217]

Great goals for 2023

[@DearDebt]

Thank you for watching!!

[@CatBudgets]

Great video ! Such great goals all around 😊 it makes me want to post a goals video too ! I’m sure you’ll be very successful in accomplishing them all!

[@DearDebt]

Thank you!! You should! It’s so good to get them out there and helps keep you accountable too 😉😍❤️

[@snippetsofpam184]

Amy! Do you do daily to-do lists? If you don’t i recommend doing them and adding your peloton rides on there and then getting on your calendar and scheduling it in. So that your phone can become annoying with it’s reminders lol

[@DearDebt]

That’s a good idea!

[@pkbatlanta]

Do you have a video or can share if you pay off your debt (not including the house) before or after you build your emergency fund?

[@DearDebt]

I would recommend at least a 1-month emergency fund. We swung between 1-3 months of emergency fund while we paid off debt (it took 2 years)

[@phobedavis7014]

My word for 2021 and 2022 was consistently. This year I think my word is going to be mindful. I want to be mindful of my words, my thoughts, my actions and my habits. My #1 financial goal is to pay off my home.

[@DearDebt]

Awesome word! That’s great for 2023!

[@ashleeroot800]

My life insurance policy through my employer paid the cost of my Will prep with an attorney. Might want to see if you have any coverage if you have life insurance.

[@DearDebt]

We both have life ins through our employers so I will take a look into this!! Thank you so much!

[@charity7273]

Love your goals! My main goal is to invest (retirement + brokerage) 24k

[@DearDebt]

Amazing!! 😍

[@MoneywithGab]

❤❤❤

[@DearDebt]

❤️

[@ecouch12]

I'd love to hear how much interest you'd save if you hit the $15k extra mortgage goal!

[@DearDebt]

Yes I’ll definitely be looking into that!!

[@ksksjd]

You don't have the channel monitized? I mean,you don't have commercials on.

[@DearDebt]

I do! KZbin decides when and where to place ads, so they might not always pop up.

[@lakeedasilvestre1163]

Check with your employer EAP

[@DearDebt]

Yes I’m going to look into this! Thank you!

[@melissatamer9193]

You can pull a free will off the internet and the get it notarized to make it legal. Suze Orman offers it free. I went to an attorney and paid over 2k and compared it with Suze Orman---exact same thing. Ugh. I need to update mine and will use hers.

[@DearDebt]

I am going to look further into this! Thanks!

[@nicholed9237]

If you have an EAP at work see if a legal referral. You can usually get discount along with recommendations. Good luck on our list as well.