<prompt> Human: Since many of us are thinking about New Year resolutions and 2014 goals and stuff anyway, we thought it would be good to have a thread to collect them. Forcing yourself to write out a specific goal or two can be a huge motivation to help you actually achieve those goals. Ill stick this link in the sidebar or the wiki for you to refer back to, and well re-post sometime around New Years next year to re-visit these goals, see how we did, and make goals for 2015.Assistant: I suppose this is also a decent thread for having a side discussion about how to make good goals.Personally, I like goals that are easy to measure, so its very clear whether you were successful or not. For most PF-related goals, that means a date and a dollar amount.I also tend to set goals that are the minimum I want to do, so that I usually exceed them. I know lots of people that prefer stretch goals where you set a goal that is the most you could possibly hope to achieve. Shoot for the stars so even if you miss at least you hit the moon, and all that. Do you have a preference?Do you have any other tips for goal-setting?  <response>: It may seem like another crappy business acronym, but I do well with SMART goals, i.e. goals that are: specific measurable attainable relevant time-boundOur goals for this year are very modest, but we want to: pay for my wifes school year without taking on additional debt replace 6k of my 6.8 student loans with fresh 3.4 loans my wife is eligible for pay at least 200month extra on my student loans save 1500 for a spring break vacation 