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My Goals For 2013 and Weekly Round-up


I can’t believe that 2012 is almost over, and I really can’t believe that this site is over 2 years old already! I have very much enjoyed keeping this site going and I have big plans for 2013. Along with some added features to my site, I also have big plans in my personal life as well. Let’s get to it!

Goals for this site in 2013

1) Alexa Rank below 70,000 – Alexa ranks every site on the web, and I want mine to be ranked in the top 70,000. Help me do this by installing the Alexa Toolbar. Then every visit to my site counts toward this rank. Thank you in advance!

2) Grow my site to 3,000 subscribers – Currently, I have 889 subscribers. This has been the case for far too long and I’m ready to grow this number again. You’ll soon be seeing additional information on my site to help you with your finances. You’ll also be seeing more giveaways too! I can’t wait to give away gift cards and cash to all my loyal readers.

3) Increase my Facebook friends to 1,000 – Right now I have 278 facebook friends. I want to increase this number to at least 1,000, but hopefully much more.

4) Commit to posting every Sunday, Monday, Wednesday, and Friday – I love to write and I love to read your comments! I can’t wait to start posting more and hearing your responses to what I have written.

5) Post my Affiliate and Adsense Income – I want to track how much of my income is “passive”, so I’m going to be sharing my affiliate income and my adsense income for all of you to see!

6) Rank in the Top 100 Money Crashers ranks hundreds of personal finance sites. Right now, I’m ranked 221. I want to be in the Top 100.

These are my goals for this site for 2013. It’s going to be tough, but I’m ready to get to work in this new year. Wish me luck!


Personal Goals for 2013

I know this may shock you, but this site is not my entire life. I have a few other things going on as well! Remember that house project I was working on? Well there’s still plenty more to be done. This leads us into my personal goals for 2013.

1) Finish the House – Ideally, I’d like this house to be completed by the end of January, so I certainly want it done by the end of the year! Right now, I’m working on installing the baseboard trim and shoe molding. And after that, there’s just a few details left! Pictures will be coming soon!

2) Pay down my mortgage to $40,000 – I currently owe the bank $59,000. I’d like to bring this amount down to $40,000 by the end of the year. I’m honestly not quite sure how I’m going to do this, but I know I can make it happen.

3) Finish my MBA – I finished my first semester of classes a couple of weeks ago and have 4 more semesters to go. If all goes according to plan, I’ll have my MBA by the end of December, 2013. It’s going to be a ton or work, but I know I can do it.

If I can complete these 3 things by the end of 2013, I will be ecstatic! These are pretty huge goals, and I’ll be in a great spot personally if I can finish them by the end of the year.


Weekly Round-Up

There are many other personal finance bloggers that write amazing information each week, and I want you to be able to check out their stuff as well. Here are a few articles that peaked my interest this week. Enjoy!

10 Side Hustles to Make Extra Money at Money Infant

3 Wacky Ways to Make Money in College at Well Kept Wallet

Personal Reflections at Beating Broke

How Retirement Ready Should You Be at Age 30 at So Over This

Real Estate Turns Brutal at American Debt Project

Five Things Friday at Cents to Save

Ways to Spend Christmas Cash at Making Sense of Cents

3 Ways to Get Rid of Your Old Cell Phone at Edward Antrobus

Does Downsizing Your Home Really Save You Money at One Smart Dollar

2012 Year End Tax Tips at Don’t Quit Your Day Job



My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. Excellent goals Derek! Knowing you, I know you will achieve and exceed every one of them, keep up the great work!

    • Thanks Tim! I hope you’re right! 🙂

  2. I agree, excellent goals, both personally and professionally! I too enjoy reading your blog, it has made me think about my own financial situation in a different perspective. I haven’t come up with my personal goals for 2013 as yet, I need to do that!

    BTW, I hate to tell you this… the house will never really be ‘done’… you finish this project, there will be another! So you might want to alter that one to goal to ‘complete the current project’… just saying 🙂

    Happy New Year!

    • Thanks for the comment Nancy. Yes, I have heard that my house will never truly be finished…. and I do understand that, but if I could get the house looking like something other than a foreclosure (which is what it was), I’ll be happy. It’s getting close!!! 🙂

  3. Thanks for the mention Derek! By the way, if you find out any legit techniques to increase your followers on Facebook, I would love to know what they are. I have been hovering around 229 for a while now. Wish you the best on hitting your goals!

    • No problem Deacon. I don’t have any amazing secrets about adding Facebook followers as of yet, but I’ll definitely let you know what I’m doing if my numbers start going up again!

  4. Derek! Thank you for including me in your round up-I will def be coming back to your site more often. Happy New Year!

    • I’m glad to mention your site – it’s got quite a catchy name! Happy New Year to you too!

  5. Aggressive goals! But aggressive is good if you can motivate yourself to finish them! Good luck and keep us updated!

    • Ha, yeah, I guess my goals are always on the aggressive side. I bet I can come close to hitting them though if I really stay focused this year! Stay tuned! 🙂

  6. Ill be sure to direct readers to your site over the next year because you’ve been such a huge help by teaching me about finances and getting my blog started. Dave and I hit such huge financial goals last year that our main financial goal for 2013 will be saving up for a home.

    • I do love helping people Jessica, and it’s been a blast to watch you flourish online this past year. Keep up the great work and good luck saving up for that home! I’m sure you’ll have a hefty down-payment in no-time!

  7. Aggressive goals and great ambitions. Keep up the hard work and your goals are achievable.

    • Thanks Jack. My goals are a bit aggressive, but it will make for a fun year.

  8. This is my first time on your site. I found you on Wisebread under the personal finance debt blogs. You are ranked number 19 on their site. Do you follow the Wisebread rankings?

    Great personal goals and professional ones too. My favourite is your mortgage paydown goal even though you have no idea how you will accomplish it.

    • Hi Jane! You got me all excited about being ranked #19, but it looks like I’m actually 188. 🙁 Maybe I should add a goal to make it into the top 100 of this list too! I bet I could do it. Ha, I’m glad you liked the ‘plan’ of paying down my mortgage…. I don’t know if it should really be a goal if I have no idea how I’m going to achieve it, but that could be a new post in the near future. Thanks for the comment. Come back and visit us again soon! 🙂

  9. I like that you are challenging yourself with some pretty big goals this year. I look forward to following your progress.

    • Thanks Kim! Are you setting goals for the new year?

  10. Derek,
    Without goals (and inspiration such as you give a lot of people), we are simply meandering through life.
    I have read many great articles on your site, and will continue to enjoy your posts.

    Food for the wise: When I upgraded my WP theme, gradually my Alexa Rank increased and kept increasing until I realized what the problem was. It was once down to the 300,000’s or so, and now it’s unfortunately back up to the 1M+ Alexa ranking.
    Hopefully it comes back down to the 200,000 level within a couple months as it was quickly heading there prior to the upgrade.

    • Thanks for the pointers Chris! And thank you for reminding me that my site is making a difference in people’s lives. That’s really what keeps me going! I love to help others!

  11. Great goals. I know how awesome it feels to finally finish your house so good luck with that as well as your other goals for 2013. Happy new year!

    • I’m very close! I might even finish up the baseboard trim today! It’s a good thing I have a loving family that offers to help me pretty much every day of the week. Stay tuned for the overall transformation! 🙂

  12. Derek,
    Good luck with these goals for 2013. The blogging goals are aggressive. I wish you luck. The personal goals seem more doable but I suppose I am speaking from my own experience. Anyway, hope 2013 is good to you.

    • Hopefully I’ll accomplish them all! Thanks for the comment JT.

  13. That’s a pretty solid list of goals. Good luck! And thanks for including one of my posts.

    • Glad to include you Edward. I’ll keep you posted on how well I’m doing on my goals in the future!

  14. Thanks a lot for the mention. Always glad to find new blogs to work with. Happy New Year.

    • Sure thing! Glad to stumble upon your site as well!

  15. Great goals. They seem challenging, but far from impossible!

    I look forward to reading another year of posts and seeing how you do with these goals Derek!

    • Yep, they are challenging, but that’s how goals are supposed to be! I’ll be sure to keep you posted on my progress.

  16. Wow, those are really inspring goals. Especially your goal to pay down your mortgage by $40,000! Have you figured out a plan to do this? I’m working on paying mine down as quickly as possible. Right now, I’m using bi-weekly payments, an extra $500 per month, and all extra money goes to the mortgage. I’m interested in hearing what’s working for you.

    • Hi Monica! Ummm, well, I sort of have a plan for that. And actually, the goal is to bring the mortgage down TO $40,000. So I’ll need to figure out a way to pay off $19,000 by the end of the year. I’ll be done with all my debts by the end of this month, and after that all extra money is mine. Because I live so cheaply and because of the additional money I’m making by writing articles, I should be pretty close to hitting this goal. 🙂 Stay tuned on that one though. Thanks for reading!

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