1. Pay off other credit card fully in July, so I have no more credit card debt. Only charge onto cards what I can pay off each month, not more. Preferably pay everything in cash instead of using cards.

2. Have a total of $1400 in emergency savings by the end of December.

3. Have a total of $1400 in Roth IRA by the end of December.

4. Save $25 a paycheck toward savings fund for family member.

5. Pay $100 a month to smallest college loan.

6. Keep an eye on electricity consumption, and install programmable set-back thermostat to help with that.