2019 Goals – Better Late Than Never!

So I mentioned in our previous blog post that 2019 has been off to a very busy start – hence, why we are just now getting around to talking about our 2019 goals! Grant and I sat down at the beginning of January reflecting on what all we accomplished in 2018 and how we wanted to build off of that in 2019. One of the big realizations I had wrapping up 2018 was that it can be so easy to focus on the goals you fall short on and don’t accomplish, rather than celebrating everything you were able to do. For 2019, our focuses will be about celebrating life’s little wins and having gratitude every day, even if it may seem like we’re not making as big of a dent in our long-term goals.

Without further ado, here are our goals for 2019:

  1. Eliminate all debt – With the exception of our mortgage, our goal is to be completely debt free by the end of 2019. That means no more car payments and no more student loan debt. We have just over $10,000 left, which feels a little daunting to tackle in less than 10 months. But with only 4 more car payments left and continuing to automate our payments each month, we are so close to marking this one off the list! One thing that has really helped has been making weekly additional payments on my student loans – you don’t miss an extra $50 when it lines up with payday, but it contributes a lot to decreasing that balance by the end of the month.
  2. Less mindless snacking – We are both guilty of “treating yourself” a little too often. We did a great job in 2018 with exercising and eating at home, but we also grew accustomed to having an evening snack after dinner while watching TV. I don’t even think I was hungry most of the time! It was just mindless while we watched TV or talked. In 2019, we’re trying to be more mindful of what we choose to eat. That’s not to say that we are cutting out snacks forever, just that we are trying to be smarter about weekday snacking.
  3. Be more intentional and present with our time – Technology is such a gift but it can also be the biggest distraction. It’s amazing that we’ve conditioned ourselves to treat moments of silence or boredom with the opportunity to just scroll mindlessly through social media. With our work schedules, we only get maybe 2-3 hours to spend together each week day before it’s time for bed and that decreases even more when Grant travels for work. While quantity of time isn’t the most important, quality is. For us, that means putting down the phones when we are together and trying to be more in the moment. We’re looking forward especially to the opportunity to disconnect even more when we go on our Italy trip!
  4. Read more – For as long as I can remember, I’ve always loved to read. But as your day gets filled with more and more responsibilities, things like reading fall by the wayside. It’s always after a vacation full of reading that I realize how much I miss this, but it shouldn’t have to be reserved for that vacation time. It’s a great way to keep you thinking and to unwind after a long day, so it’s on my personal list to pick up a book at least a few times a week for 30 minutes or more.
  5. Anniversary trip – Although we have a big trip planned to Italy, we still want to continue the tradition of celebrating our marriage around the time of our anniversary. Quality time is both of our love languages so having that opportunity to just be together is so important. With quite a few other financial goals that we are trying to tackle this year, TBD on what this trip could turn into! In the meantime, we are hoping that Grant’s extensive traveling will result in some extra Delta Sky Miles (fingers crossed!).
  6. New living room couch – So maybe this one is more of a nice to have/want to have than an actual goal for 2019. Over the past few months, we’ve felt our house turn into a home as we’ve made it our own. The addition (finally!) of the dining room table really helped us feel the place come together, and the final big thing on our list for the downstairs entertaining area is a new couch. Hopefully in time for football season, but we will see!
  7. Be more spontaneous and spend time with friends – Once you leave college and everyone has different jobs and schedules and lives in different areas, it gets harder and harder to spend time with friends like you used to. After college, there is no set timeline either, so everyone is at a different stage in their lives. But you realize the importance of and how much you appreciate the people that are always there for you. So in 2019, we want to continue to try new things, visit new places, and spend time with the ones we love.
  8. 1 big date night per month – Perhaps “big” date night isn’t the right wording for this one. Basically, this is to force us out of the Friday night Mexican restaurant routine at least once a month to try something new. So far, we’ve been to the High Museum for Infinity Mirrors and to see Les Miserables. Our next date night that I’m super excited about is going to see Cinderella at the Fox! If you have any other suggestions for unique date night ideas, definitely let us know. So there you go! 2019 is already in full swing, and we are excited to see what all this year holds. Follow us on Instagram at www.Instagram.com/TheLocalBells for more.

Reflecting on 2018 Goals

Wow, it’s hard to believe that we have closed out another year and it’s on to 2019! In some ways, it’s felt like it went by so quickly, but on the other hand it feels like there was so much crammed into 2018 that it couldn’t possibly have been just one year. In one of our very first blog posts, we wrote about our goals for 2018 (take a look at the full post here). To be completely honest, it wasn’t something that we talked much about on a regular basis throughout the year, but we kept the list posted on our fridge as a constant reminder of what we were working towards.

So how did we do? I was a little nervous pulling that sheet of paper off the fridge to evaluate whether we had achieved our goals or had fallen short. Here’s a quick snapshot of how we did:

  1. Exercising 30 minutes at least 3 times per week Yes! Overall, I’d say we did a pretty good job on this one during a typical work week. I workout with my mom and sister twice a week, which holds me accountable, and the gym is on my way home for at least one more workout each week. Grant stops by the gym most days after work when he’s not traveling and we try to have at least one weekend workout together as well. I’m hoping we can keep this positive momentum rolling in 2019!
  2. Cook dinner at home at least 4 nights per week – Yes! Another one I am really proud of us for achieving! Not only do we save a significant amount of money eating in, but it gives us healthier options and more time to spend together. Another habit from 2018 that we are hoping to continue. And if you have any great recipes, send them my way – we are constantly looking for new easy meals to try.
  3. Save enough money for a house down payment by October – YES! By far my proudest accomplishment from 2018. We began our home search in May, a bit earlier than we had originally planned. By early June, we were under contract for a house and set to close in August. It took a lot of discipline to save and watch our spending those first 7-9 months of marriage, (and a lot of meals at home with chicken) but it paid off! We are incredibly blessed to have found a home that we can grow into in an area that we love.
  4. Max out 401K – Kinda. Grant and I both have employer sponsored 401K accounts and each have a separate Roth IRA account. We both continued to contribute to our employer accounts in order to get the full employer match, but are still working up to maxing out our Roth contributions for the year. Automating these contributions and our savings in general will help us to hopefully get closer with this in 2019.
  5. Less than $10,000 student loan debt and car loan – No. This is one where it would have been beneficial to track this progress more closely throughout the year because we were really close. We ended the year at about $12,500 left on student loans and car payments, so we were just shy of meeting our goal. When I checked the accounts and saw we were so close yet didn’t meet that goal, I felt disappointed and a little dejected. And sometimes that’s how you feel when you don’t meet a goal – you focus on what you didn’t accomplish rather than what you did. So I looked at what we were able to do in 2018 and I found that we paid off nearly $15,000 in student loans and car payments! That is incredible!! Yes, we fell short of our goal, but we should be proud of what we accomplished in 2018 and keep pushing forward in 2019 to officially be debt free (minus our mortgage).
  6. Use every vacation day – In progressWe are still working on this one, but we each took some time off around Thanksgiving and between Christmas and New Years to spend time with family and friends and relax and recharge before heading back to work. Both Grant and I value quality time together more than anything else, so we’re working to make it a priority to use our vacation/PTO time. And more to come, but we have officially booked a 12 day trip to Italy in May! 
  7. Plan a first anniversary trip in November – Yes! We actually were overachievers when it came to this goal – we had a mini stay-cation for one night at Chateau Elan the weekend of our actual anniversary and then planned our big anniversary trip to Disney World after Thanksgiving. We had an incredible time there and will be sharing some tips and tricks soon on ways we made the most of our time and saved money (TLB tip – we booked a free dining offer and Disney is currently offering it again for July-September here! If you want recommendations or have questions, we are happy to share our experience.) 

So there you go. We didn’t achieve all of our goals, but rather than feeling disappointed by what we didn’t do, we are celebrating all we were able to accomplish this year and know that 2019 holds even more exciting times!

Thanks for following along and happy new year to everyone! We are excited for all that is to come in 2019, so be sure to check out our Instagram

So We Didn’t Win the Lottery…But Here’s Why We Still Feel Luckier Than Ever

Last night’s historic Mega Millions $1.6 billion prize had the country in a lottery frenzy! And while the odds were most definitely not in our favor with a nearly impossible chance of picking the right numbers, we couldn’t help but join in with all of the other dreamers by purchasing a ticket. For just $2, we slipped into the “what ifs” and daydreaming of what we would do with that type of money. And you know what? So many of the things on our list were things we were already working towards or things that were totally attainable with hard work and discipline. Here are a few of the items we had on our list:

  • Pay off student loans
  • Pay off car loan/get cars fixed
  • Pay off mortgage
  • Buy dining room furniture and a new living room couch
  • Fund our future kids’ college education
  • Travel more extensively
  • Donate both money and time to our favorite causes
  • Focus on our passions
  • Set up trusts for our families to be financially free

We had a few other selfishly fun and more extravagant things too (some crazy expensive Traeger grill for Grant, Disney Vacation Club for me), but what we realized was that at the end of the day, we love the life we share together with each other and our friends and family. Sure, an unexpected windfall could alleviate some financial pressure, but when we think back to what we’ve already accomplished, I know we have been so blessed and should take time to celebrate what we have rather than focusing on what we are missing out on.

One of my favorite quotes is, “You can have anything you want, but you can’t have everything.” I think it’s so powerful that anything is within your reach with hard work and a plan, but you have to prioritize and figure out what is most important to you first. If you told me at college graduation that in less than 5 years I would buy a car and almost have it paid off, get engaged, plan and pay for a wedding to the love of my life, pay off 85% of my student loans, and save 20% for our first home down payment, I would tell you that you were crazy and it couldn’t be done! But when I think about all that we’ve been able to accomplish, there is no reason we shouldn’t continue to dream big and work towards our goals, even if they may seem unattainable now. Breaking things down into smaller steps day by day may not seem like you make fast progress, but it adds up over time.

So while we aren’t newfound billionaires or millionaires, we have so much to be thankful for. Loving families, a beautiful home, food on our table, our health, and the ability to continue to chase our dreams. And if you are still feeling bummed about not having the winning ticket, hopefully you get a little laugh from the picture below!

lotto

Follow along with us on Instagram at www.Instagram.com/TheLocalBells

Sushi Making Class – Everything You Need to Know

Meagan here to tell you all about our awesome sushi making experience at the Cooking School at Irwin Street! Grant gave me the class as a Christmas present, and we finally had the opportunity to book a class. One of our goals as a couple in 2018 was to cook at home and together as much as possible. We’ve made pretty good on that so far, though we sometimes get in a rut of making the same things every week. We were really excited to try something new at cooking class and settled on sushi making – something neither of us have done before. But since we love eating sushi, we figured it would be the perfect class for us!

Living in Alpharetta, we typically only venture ITP for work or special events. We quickly remembered why we love suburbia life when there was no parking at the cooking school and Grant had to put his parallel parking skills into action. Luckily, it turned out to be a nice day, so the short walk wasn’t bad. The Cooking School at Irwin Street is located in the Irwin Street Market, right down the street to Krog Street Market and the Beltline.

We waited in the market for class to begin, then were brought back to the kitchen by Chef Mihoko. Other than us, there were only another 9 people, which made it great to follow along with the Chef’s instructions and ask questions along the way. Each pair was given their own station complete with all the prepped ingredients. We had sushi rice, nori (seaweed), fresh salmon, crab, shrimp, avocado, peppers, cucumber, and asparagus.

The Chef showed us first how to make the “inside out roll” with the rice on the outside, as opposed to the traditional method with the nori outside. We started by placing our nori on the bamboo mat (covered in plastic wrap to prevent any sticking), then spreading a thin layer of rice across it. TLB Tip: Make sure to dip your fingers in water before ever touching the sushi rice – this is very sticky rice and you’ll end up with more of it stuck to your hands then to the nori! Once you get an even layer of rice, you flip the nori and rice layer over and can start adding your fresh ingredients for the center of your roll.

After placing the ingredients about an inch away from the edge, then slowly rolling it up with the bamboo mat. Once it’s completely rolled, you use the bamboo mat to squeeze it a little more to make sure everything is locked in. Then voila! You have a perfect California roll!

Once we made our California rolls, we had the chance to do whatever we wanted. The whole process is fun and relatively easy once you get the hang of it! You do realize that less rice is more – it goes a lot further than you think. Grant and I each made our second roll, then realized we didn’t have much rice left to do anymore. Luckily, the wonderful Chef shared some of her rice (and salmon) with us so we could make one more!

From instruction to eating, the class took less than an hour and a half. We had no idea how simple it was to make your own sushi and it was delicious when we got to enjoy our own creations! TLB Tip: Most classes are BYOB (with the exception of their knife skills classes), so it would be the perfect date night or activity with a group of friends.

After class ended, the ice cream shop that shares space with the cooking school gave everyone a free scoop of ice cream! Needless to say, we were absolutely stuffed afterwards! We ended our adventure with a short walk down the Beltline, mainly looking for cute puppies.

We are really excited to put our new skills to the test! Next stop for us will be the Buford Farmers Market or H Mart to get all of our sushi making ingredients. We would highly recommend the Cooking School at Irwin Street and will be keeping an eye on their future classes. TLB Tip: They sometimes offer a Groupon which can be a substantial savings! However, classes book up quickly and not all are eligible for the Groupon offer. (New to Groupon? Sign up here!)

Hope you all check out the classes they offer on their website: https://www.irwinstreetcooks.com/ We had an awesome time, and you realize how fun it is to try something completely new. When was the last time you did something for the first time?

Keep following along with us on Instagram at Instagram.com/thelocalbells

Where To Next?

Back in January, we shared our goals for 2018. So far, we’ve been staying on track with exercising and eating at home, and we are making progress on our financial goals after officially combining our accounts (not as hard as we expected!). However, the one area we want to start planning more is our travel and vacation plans for the year. With both of us working traditional 9 to 5 jobs, we have a finite amount of time to escape the work grind and want to use this first year of marriage to visit new places. So where to next?

That appears to be the million dollar question.

Between the two of us, Grant tends to be more spontaneous and ready to try new things while Meagan prefers to plan every last detail and stick with the tried and true. We started brainstorming some ideas for this year and ended up with with too many options and no decisions! So what’s stopping us?

  • Do we take one big vacation or several smaller ones? In 2017, our honeymoon was our big trip of the year (and definitely worth it – see our full review here!). Now that we aren’t planning a wedding, we have more vacation time to spread out throughout the course of the year. In a study cited by the New York Times, research has found that several smaller vacation per year rather than one big one boosts overall happiness more than when taking one long vacation. And even more than that, the actual planning and anticipation of a vacation boosts happiness for up to 8 weeks! With that in mind, we lean more towards planning several smaller trips this year. Ideally, we’d like to plan a few long weekend trips, a short summer trip, an anniversary trip in November, and take some time off around Christmas and New Years. South Africa, Europe, and somewhere in the South Pacific are still on the bucket list for some of those longer trip options in the future though!
  • How much should we budget for our vacation fund? There are mixed options about how much to spend on travel each year. Forbes reports that Americans spend 10% of their annual incomes on vacations. While we aren’t paying for a wedding this year, we are working hard to pay down student and car loans as well as saving for a down payment for a house. Planning domestic trips and ones that are driving distances instead of flying will help us keep our vacation costs lower. For our trip this week, we are staying at a condo through Airbnb, which was over 50% less than staying at a hotel resort. (If you are new to Airbnb, use this link to save $40 on your first stay) We also plan to utilize any of our credit card perks or cash back this year to help with some vacation costs. With Meagan being a planner, we have time to research, save, and hopefully get the best deals!
  • Where should we go? We are all over the place on this one and could definitely use some inspiration and suggestions! We’ve talked about Hilton Head or Destin for a beach trip, as they’re both about 6 hours away driving distance. There are some great Airbnb rental options and we both could use a good dose of “vitamin sea!” We’ve never been to Savannah or Asheville together and would love to explore the historic sites along the river or experience the Biltmore Estate. For our anniversary, we’ve looked into New York City, the Florida Keys, or Disney World – planning to splurge the most on this trip this year. We loved our relaxing honeymoon in paradise, but are looking for adventure in our first anniversary trip. Ultimately, we are looking to plan 4-5 smaller trips this year within the domestic U.S., ideally spending around $1,000-$1,500 per trip.

We are off to Park City, Utah for our first trip of the year this week – stay tuned for our post next week! In the meantime, we welcome any and all suggestions on other places to go this year, as well as any tips for planning and saving money along the way. Be sure to follow along with our Instagram at www.instagram.com/thelocalbells

Welcome 2018!

Happy New Year! 2017 flew by and now it’s on to 2018! If you’re like us, New Year’s resolutions can be a bit daunting, especially since 80% of people give up on their resolutions by February. That’s why we’ve decided to rename them our 2018 goals instead of resolutions. More to come on what those are!

The first step in creating our 2018 goals was to revisit the SMART goal method:

Specific: Be detailed in what you want to accomplish by identifying the “who, what, when, where, why, and how.”

Measurable: Determine how you want to track your progress.

Attainable: Set expectations for your goals that align with the action steps you are going to take.

Relevant:ย  Make sure it aligns with your broader goals, whether personally or professionally. Will this contribute to reaching those higher initiatives?

Timely: Set a specific time frame that you will work towards accomplishing actions. Break it up into manageable pieces to make the tasks less daunting.

So there it is – the steps to creating goals (or resolutions) for the new year that you can actually achieve!

What are your 2018 goals?ย