Do you have money saving, investing and giving targets? I wonder…

Perhaps this wonder question is a twist on New Year’s resolutions; but that is not the intention is the exploration. Rather, I am curious about the next phase of healthy financial behavior – after debt is managed and surpluses are accumulating.  When surpluses begin to accumulate at the end of the month, after considering a “emergency fund”, a beautiful opportunity is to begin to allocate surpluses to saving, investing or giving.

If this describes your situation, are you motivated by saving, investing and giving? And if so, do you establish goals for the year to meet in each of these categories? I wonder.