2015 Goals Update: Wrapping Up the Year
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Hey friends! I feel like I wrote my last goals post just a few days ago. It’s hard to believe we’ll be putting the finishing touches on another year in a few short weeks.
I’m thankful for that in a number of ways, as it has been an incredibly busy year for us in the Frugal Rules home. We’ve done a lot of traveling, our business has kept us busy and there seems to be little down time. In years past I would want to pull back or be unhappy with that.
That’s no longer the case. A big part of the busy-ness is somewhat inevitable. We have three growing kiddos and a small business, so I expect it. I’ve also come to embrace the fact that we have multiple large goals we want to reach, which requires a lot of time and effort. Short story long, we want and need to make hay where there’s opportunity – and, more importantly, have a positive attitude while at it.
The next few weeks will be crunch time as we wrap up things before the end of the year. We also recently decided to take the last week of the year off and will be traveling to Colorado for vacation. I question our sanity (as clients love to dump stuff on us at year end), but am looking forward to a few days free from the computer. That being said, I want to do a wrap up of my 2015 goals to see how I fared and share my thoughts for 2016.
You’ll also notice I don’t have anything terribly financial in nature, outside the first goal. That’s not to say finances aren’t important, obviously, just that I expect us to hit those goals. We were able to max out our Solo 401(k)s, Roth IRAs and HSA accounts this year – which I’m very thankful for.
2015 Goals Wrap Up
Save at least $15,000 for a new to us car. We changed direction on this goal some time this summer. We chose to start pursuing buying a new house instead of a new car. While we need a bigger car to accommodate the growing kids, a larger house is a more pressing issue at the moment. We’re just over 15% of a down payment on a new to us home in our Discover Bank account and hope to hit at least 20% by the end of the first quarter in 2016. I’m toying with the idea of putting down 25% to help our efforts with us being self-employed, but we shall see. The next few months will involve major de-crapifying of our house and likely finding a good real estate agent. The idea is honestly a little overwhelming right now, though the pay off will hopefully be worth it in the long run.
We’re not ignoring our car situation as we’re still putting $300 per month into a different savings account. We’re also seriously looking at selling our rolling piece of trash on wheels second car to raise extra cash to go in our car fund. I don’t terribly want to become a one car family, though with us both working from home I think we can swing it for a while.
Do P90X. As has been the case in previous quarters, this is a major fail. I do still exercise regularly though. I’m still getting in at least five workouts per week – usually a mix of 5ks and free circuit training videos from YouTube. I’m actually toying with the idea of getting a gym membership for the winter as getting outside to walk likely won’t be an option during the winter.
I cherish my time out of the house working out, so the added expense may be worth it in the long run for my mental health. I’ll be honest, there has been the temptation to ease up some after losing 100 pounds, though that would only negate all the hard work I did in the first place. I’ll likely aim to lose at least another 20 pounds next year, so resting on my laurels…or my sludge like metabolism won’t be the wisest move. 🙂
Start and complete a course for Frugal Rules. Sadly, I made zero progress on this goal this year. It’s disappointing on one level, and something I very much want to do. I could come up with an excuse, though it came down to time and more pressing goals. I know there is need out there for the type of course I want to develop, so I may return to the drawing board on this next year.
Overall, I’m relatively happy with how things progressed this year. The big goal, no pun intended, was finally hitting the 100-pound mark for weight loss. Having expected to buy a car by this point in the year, I’m not terribly disappointed at shifting focus towards a house. My biggest disappointment is not completing the course as I really think that doing so can help me fulfill my passion of helping people learn how to better manage their finances.
As we look towards next year, I’m going to take the same approach of having a very small handful (2-3) quantifiable goals. This is the first year I really tried this approach and really like the focus it created. Not terribly surprising, I feel I’ve been more efficient and effective working on my goals having that increased focus. I plan to harness that for next year to optimize my efforts.
How were the final few months of 2015 for you? Do you have any fun travel planned for the end of the year? What’s new in your corner of the interwebs?