OK, I've put this off long enough. I've decided that I can't see far enough into the future to see what I'll be capable of in the upcoming year, but I know what areas of my life need goals. My monthly debt repayment goals have really helped me focus on something that needs ongoing commitment, so I'm going to try that with other self-improvement projects that also need constant focus to keep going strong.

So for each of the following areas, I'm going to post a goal at the beginning of each month and a result at the end. It might be something small or large depending on the circumstances of that particular month.

1. Continue to pay off at least the required minimum amount of debt.

2. Start saving money in a baby/emergency/eventual-debt-repay fund.

3. Pay attention to health and fitness.

4. Become more green and reduce my footprint.

5. Be more craftsy or creative: Learn new skills or start and complete new projects using existing talents.

6. Be more philanthropic; try to do things for the good of others.