Short Term:
- Track my loan payment progress in $250 goal increments
- Track all expenditure and endeavour to stick to or under my budget.
- Get my car serviced.
- Completely pay off all cc balances.
- Start my $20 challenge
- Start transfering money to my cc as soon as I make the purchase, so I don't get a nasty shock at the end of the month.
- Eat less meat and make my boyfriend enjoy meatless meals more.
- Start cooking healthy meals and then freezing them in bulk lots.
- Exercise 6 days a week.
- Make an appointment with my parents' naturopath/homeopath

Long Term:
- Completely pay off my loan.
- Reach my target amount for my Emergency Fund ($1200).
- Maintain a gifts/holidays account where money is drawn out of for days off & gifts purchased for others.
- Save a lump sum for university (current goal: $10 000) by January 2010.