During my 20’s it was easy to live in the present, only ever thinking of retirement as being a far-off fuzzy “what if” scenario.

My goals from last year to this year haven’t changed much. Our focus this year is to buy a house, so with that in mind, saving is the top priority.

The end of the year is drawing near and my quarterly goals systems has really worked quite well this year. Part of that success is due to having a steady stream of income, and part of the success is due to making my goals obtainable and very timely.

Over the past couple of years, as my cats have become elderly felines, I’ve upgraded their food and litter. The food upgrade was really one of necessity – my cats just can’t digest less expensive foods filled with grains anymore.

I’m smoking my quarterly goals this year so far. Part of my success has been that my goals were realistic and attainable, the other part has been that this year has been good to me so far. A few things that have worked to my advantage: