Frugal Rules Goals for 2014: Stop Living Like a College Student


If you haven’t checked the calendar lately, it may surprise you to see that we’ve flipped the page on a new year. I’ve written before about how I’m not a fan of New Year’s Resolutions for a variety of reasons. That’s because they’re usually a laundry list of items that people want to accomplish and often have no direction or accountability. It’s not that I think goals are bad, (I think the title of the post gives away my view on goals – i.e. I do have them ;-) ) I just choose to set focused goals.

You may also be asking why I waited two weeks into the New Year to share my goals. That’s a very good question. The answer is that I didn’t want to be lost in the crowd of every other post out there on goals for the New Year and such. :-)

Looking back at 2013 in the Frugal Rules Home

Looking back at 2013, it was a good year overall for us:

  • Our business has grown by leaps and bounds, more than doubling revenue from 2012, with serious prospects of increased growth this year!
  • We lost our biggest client we ever had (they also happened to be our first ever client) in the middle of the summer. This turned out to be a blessing in disguise and was the turning point in the growth of the business.
  • Frugal Rules has grown from something I was just doing on the side to a growing part of our business, which is incredibly exciting to see happen and now is bringing on corporate blogging clients!
  • We attended FinCon in October and met some great individuals, which also presented some great opportunities as well. If you’re on the fence about going to FinCon this year, let me give you a friendly push toward it – you should definitely look for a way to go this year! After all, it IS in New Orleans this year!

Those are but a few of the highlights from 2013 and I’m sure I could list several dozen more, but I’ll spare you. While it was a good year, overall, we’re moving upward and onward here at Frugal Rules.

What Will I Be Working on This Year?

Along the theme of moving forward, here are some of the goals we’re working on this year:

  • Stop living like a college student, plain and simple! We’ve always been disciplined about getting to bed at a halfway decent time, well the wheels completely fell off the bus on that last year. I’d say our average bedtime was 11:30 p.m. at best when we had been averaging 10:00.  We’re committed to start cutting back in 15 minute increments a week so we can get ourselves back to 10 or 10:30 p.m. in a month or two.
  • Stop snacking once we put the kids to bed. See above goal. Staying up later results in more opportunities to snack, enough said!
  • Start using the exercise bike that’s collecting dust in the basement 3-4 times per week. Are you noticing a trend yet? ;-)
  • Continue growing our business and Frugal Rules. I started doing some blog management last year and am looking to add at least another one or two to that, in addition to adding more corporate blogging clients. If you’re currently looking for a writer, social media management or a blog manager, just contact me.
  • Buy another PF blog. I’ve never done this, but am specifically focused on this for 2014. I’ve been approached by a handful of others looking to sell their blog and nothing has stood out to me yet. I’m going to start actively looking for these opportunities this year as I believe it can be a great way to grow my income from blogging. If you’re looking for some pointers on this yourself, check out Robert’s insightful post on the matter.
  • Get back on track with serious investing for retirement. As I wrote last week, retirement planning while being self-employed can be a tricky thing to wade through, but I’m committed to actively putting money in the market each month this year. I’ve not come to a specific amount yet, but am currently in the process as I write this.
  • Start actively saving for a new (or at least new to us) car. I hate to do it, but the kids, they are a growin’ and our trusty little Altima is doing its best to keep us with them. Unfortunately we’re on borrowed time and need to start putting more money away for a car this year so we can purchase a car without taking on an unnecessary monthly payment. This will likely become more serious once winter is over so I’ll share more about it then.
  • Maintain a better work-life balance here at home. Working from home, with little ones, can be quite a challenge – to say the least. While I may be spending a lot of time with them, too little of that is actual quality time. I know this isn’t very quantifiable yet but am working on a system to maximize my quality time with them and less time in front of the mistress as Mrs. Frugal Rules calls my laptop.
  • Take the little Frugal Rules to Disney for free around Christmas 2014. This is not going to be an easy feat and will require quite a bit of credit card churning in order to accomplish. My Mom and Stepdad are taking us all on a Disney cruise over Christmas this year and paying for the airfare, so WHY not stay and go to Disney? We haven’t decided if we’re going to stay before or after the cruise, but looking at costs, it’ll likely be after the cruise.


So, there you have it, those are the goals for the little Frugal Rules corner of the world. What are you wanting to accomplish in 2014?


Photo courtesy of: Gurdonark

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I'm the founder of Frugal Rules, a Dad, husband and veteran of the financial services industry. I'm passionate about helping people learn from my mistakes so that they can enjoy the freedom that comes from living frugally. I'm also a freelance writer, and would love to help out if you have the need. If you're wanting to learn how to monetize your blog, check out my blog coaching services to see how I can help you take your site to the next level.


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