Becoming Debt Free in 2009

December 22, 2008

I had a dream

Filed under: Goals,Journey to Debt Freedom — ambercouric @ 9:15 am

I had a dream last night that I was had finally paid off all the bills and was debt free.  I would think I would have been happy but all I remember in the dream was asking my husband “what am I supposed to do now”.

I don’t think I have ever really planned long term goals.  Every goal has always been centered around this or next year.  Never 5 years, 10 years, or 20 years down the road.  One reason for this is my mother passed away when I was younger so my philosophy has always been there is no guarantee for 10 years down the road.

This year while paying off debt I’m going to spend some time to think about what my long term goals are.

Do you have long term goals?  What are some of them?



  1. I have always believed we should have long term goals, as a kind of overview out look; the short term ones are to zoom in close up.

    Comment by stan — December 22, 2008 @ 11:01 am

  2. I have a lot of long term goals, mainly related to saving, investing and retirement. I’d also like to buy a new house in a few years, one I can raise a family in. My “pie in the sky” dream is to retire early, but I got a late start on that one. When your debt is paid off you’ll have more choices, is there something you’ve wanted to try but been unable to? Things that come to mind are go back to school to learn for fun, find new hobbies, maybe start a business or devote more time and money to travel.

    Comment by Miss M — December 22, 2008 @ 2:39 pm

  3. I try to tie my short term goals to my overall plans or long term goals. Once I make a long term plan, my short term goals are automatically to track, adjust, meet, and re-plan on a continual basis. I think people get scared of making long term plans because they feel like they are written in stone, and they are somehow a failure if they aren’t met exactly the way they were first envisioned. Life is too random to count on everything going exactly according to the original plan.

    Comment by Over the Cubicle Wall — December 22, 2008 @ 4:40 pm

  4. ahh, my favourite dream!
    I have my life planned for the next 5 years, it might all go wrong but I have a plan!
    The main one is move to Portugal 🙂

    Comment by Laura @ no more spending — December 22, 2008 @ 5:56 pm

  5. that is too funny! I think I would ask the same question! lol

    I don’t really have any long term goals at this point, maybe I should think of that though…

    Comment by jpkittie — December 22, 2008 @ 10:22 pm

  6. I have long term goals – but they are part of the overall picture of short and medium term goals. Currently, I’m working hard to pay off the mortgage within the next 3 1/2 years. After that I’ll use the mortgage money for a long awaited lifetime trip to Antarctica. Then I plan to save/invest the mortgage money for our retirement. The amount of money I’m currently putting towards the mortgage, will become a very large amount multipled by another 20 years. (and this is without the retirement funds). I now dream about my future lifestyle while making the mortgage payment now. The dream is a nice Rosy one – not the scary one that it was at the beginning of the year.

    Comment by Evjam — December 23, 2008 @ 4:01 am

  7. Hi there-I must admit to not really having any long term goals as such, to stay healthy and employed as ongoing goals would be good enough for me for the moment I think!

    Comment by sharon rose — December 23, 2008 @ 11:27 am

  8. Okay, really not a bad dream. 😉

    I plan on buying rental properties in the long run and building a mass empire! Okay, maybe not the mass empire… play some monopoly with my debt free life.

    Have a Merry Christmas!

    Comment by money funk — December 23, 2008 @ 12:45 pm

  9. Hi there. What a lovely dream! I too am only thinking about 2009 in terms of goals. I do have some short term goals listed on my site (0-2 years) which I need to update. I don’t go beyond that nowadays because my plans usually change every year. Once my debt is paid and I’m done with my current goals, ll probably think of other goals towards the end of next year.

    Comment by Budget Mama — December 23, 2008 @ 8:38 pm

  10. I think everyone should have long-term goals. Or another way to think about is…what do you want out of life? If you don’t take the time to think about what it is you really want, and then plan a way to make it happen, the chances are slim to none that it ever will. Life is short, you absolutely must pursue those things which matter most to you.

    Of course, it is just fine to change your long-term goals if you should discover that your wishes have changed.

    Comment by momthing1 — December 30, 2008 @ 8:09 pm

  11. Off the top of my head:

    Become debt free
    Pay for my own (fantastic) wedding
    Buy a house
    Never finance another car because I don’t have to
    Afford to have a winter and a summer ‘fun’ car
    Retire young
    Travel extensively
    Buy an awesome grand piano
    Support my mother as she gets older

    Comment by Slinky — January 5, 2009 @ 7:58 pm

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