Hello friends, welcome back to the blog and welcome to the New Year. Congratulations on making it to the new year. This is 2022 and we are ready to do fabulous things. We are starting this year off by setting goals and things we aim to achieve this year. I will be sharing ten examples of goals you can set for 2022.

This list is not exhaustive which means that you do not have to set all of these goals but, it is just a guide to the kind of goals that can help you bulletproof your life and get you into that place where you are taking giant strides and winning this year.

Budget and track your spending every month of this year

You can do this in a spreadsheet or on your phone. You can also buy my budget and saving book on Amazon to help you write it down.

The benefit of using a book is that you can look back and see what you did in January, which can help you in February, March, April, etc.

I always advise that you allow the budget you made the previous month to influence the following month. It means that if you have paid a particular amount in electricity or gas bills in January, you are likely to pay the same amount in February and March.

Whenever there is a deviation in the following months, you can look back and check if you need to change your utility provider.

Save something every month in 2022

Take this goal a step further by fixing an amount. Decide on the specific amount you want to save in 2022 and divide the amount by twelve. This will help you know how much you want to save in 2022.

You can decide to max out your cash ISA allowance of £20000 if you are in the UK or put in £10000 into it this year.

Now bear in mind that a new financial year begins in April, so from 6th April 2022, you get another £20000 allowance. If you have maxed out your cash ISA allowance already for this financial year, you won’t be able to put anything into your cash ISA until April.

However, if you have not, then this is a great time to quickly add more to it before your new allowance kicks in April and you lose whatever is remaining of this allowance.

Pay off high-interest debt

One goal you should be setting this year is to pay off your high-interest debt or pay off all your debt. If you have just a few debts that you can pay off this year, your goal should be to pay off your debt and become debt-free.

I set this goal in 2017 and I was able to achieve it, and I know you can do it too if you set it as a goal and put your mind into it.

Another option is for you to look at all your debt, divide it into 12, and set a direct debit for each debt so you can pay it off before the end of the year.

You could also decide to pay it off in 3-6 months without necessarily spreading across 12 months.

Build or replenish your Emergency fund

If you watch my Youtube videos quite often, you will observe that I love to talk about the importance of having an emergency fund.

If you don’t have an emergency fund or you’ve depleted the one you had last year, it is time to build or replenish your emergency fund.

The rule of thumb for an emergency fund is that it should be money you can live on for three to six months peradventure you lose your job.

This is a target to help you set and build your emergency fund. It means that if you can live on £1000 a month, then your emergency fund should be within £3000 to £6000.

Buy Property

This one is for those who have not gotten on the property ladder and are interested in doing so. This is a good goal to have in 2022 if you would love to buy your place.

It doesn’t matter whether you want a bedroom flat or a four-bedroom house, the point is that you are getting on the property ladder, such that by the end of this year, you are spending Christmas in your new house.

It was a goal for me some years ago. My husband and I worked very hard towards it, and we threw all our money at it. I sold everything I didn’t need, and we both hustled and side hustled until we got a deposit together to get on the property ladder.

If you are not interested in getting on the property ladder, this goal is not for you. If you are already on the property ladder but want to become a landlord, this is a great goal to set to get on the property ladder as a buy-to-let landlord.

Join a Pension or increase Pension contributions

If you don’t have a pension, this goal is for you. If you are already part of a pension program, you can choose to increase your pension contribution.

You can contact your HR and ask them to increase your pension contribution starting from your January pay. When you put money in your pension, you are taking care of your future self.

This also means you are putting money in a tax-efficient way because when you put money in your pension, your employer adds to it (this applies to the UK and US as I am not sure if other countries have that particular benefit).

If you have not joined your employers’ pension program, you are simply leaving money on the table because this money is assumed to have been added to your pay package at the end of the year.

You are depriving yourself of money considered part of your pay if you are not part of your employer’s pension.

If you are self-employed, you can join some private pension program like Aviva or open a Self-Invested Personal Pension (SIPP) on investment platforms like Hargreaves Lansdown, Vanguard, nutmeg, and so many others.


Investing is a goal you need to add to your goal-setting list. If lack of knowledge is what is stopping you, I have an investing Masterclass webinar on Youtube which if you can get in touch with me; I can give you the link to that for a small fee.

This webinar will help you understand the basics of investment and everything you need to do while investing. After you have watched, if you need support in picking out your stocks and funds or want to run something by me, I have something I call the ‘follow the leader’ program where I share my portfolio ideas to inspire you as you pick out your investments.

I don’t make the investment decisions for you, but I am willing to share my portfolio ideas with you while you make the best decisions yourself.

Get promoted or change jobs to earn more

If you have been in a job for many years and there hasn’t been progress or your pay hasn’t increased in years, it is time to dust your CV, get on Linkedin and start pushing your network.

Swipe that Linkedin button that says you are looking and available for employment so recruiters can reach out to you more.

It is a good goal because it will put more money into your pocket and help you bulletproof your life.

Build Your Professional Network

This is the year where you become more visible on Linkedin, take part in more knowledge-sharing activities at work, and seek more visibility projects at work so that you can meet more people and build your network.

I have engaged in a couple of activities in my workplace to build my networks. These include getting mentors and sponsors. I ran for election at work and won which gave me a role that put me in front of people globally and helped me build my network.

Building your professional network is a goal to add to your 2022 goals.


Endeavour to improve your skills this year. Write more professional exams like project marketing, digital marketing, business analysis, marketing, and data analysis.

These professional certification exams can help you upskill. If you do not want to write exams, you can participate in online training and courses to improve yourself.

I hope you have a great year and keep smashing those set goals.

Till next time.

With love,

Ronke O.

Published by ronkeodewumi

I am a Chartered Accountant (ACMA, CGMA) and seasoned Management Consultant with about 16 years of experience driving the delivery of strategic solutions to complex problems of global firms. Through my blog, youtube channel, social media, tailored courses and downloadable material, I share information, resources and tips to help you manage your money better, grow your business, progress in your career, thrive in difficult times and create a life that is safe from failure, while being the best version of yourself. You will also find here links to my youtube videos where I share more nuggets to help you achieve and live your dream life. I am based in London, United Kingdom and always happy to connect with you via email (, social media or my contact page here.

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