Haha, everyone sets plans and goals. But, as I recall, you weren't so keen on HBD savings while back...
I don't bother with goals and plans, I just blog about what's happening to me and life is easier, everything moves on, slowly and without pressure. 😎
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I like setting goals for the simple fact that it allows me to keep track of what I'm doing and to be able to go back in time to check where I came from. This give a nice motivation push :-)
You're definitely right. Maybe I should do the same, but then I'd be too focused on my progress to do other things.