2015 Goals Update: Ending the Year on a High Note

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The third quarter has passed, so it's time to go over my goals for 2015. With a few months left in the year there's still time to achieve your goals.

Happy Monday friends! It’s hard to believe, but there’s only a few short months left in 2015. We’ve done a lot of traveling over the past two months so time has flown by in the Frugal Rules home.

One thing that I didn’t get to talk about while I was on the road was Frugal Rules turning three years old. As I sit back and reflect on what has happened over the past three years it’s a bit mind boggling and more than a little humbling.

I had no clue what I was doing when I started the blog and it, along with our business has changed my life. This site has provided opportunities I never would’ve had otherwise. I distinctly remember getting physically ill whenever I walked into the office at my former day job.

I was miserable, trying to help people but not really able to help them. I knew something had to change. That bitter taste in my mouth just had to go and I was willing to do almost anything to get rid of it. Fast-forward three years and I’ve replaced my salary, dramatically increased it and watched the business my beautiful wife start explode. I don’t know what the point of my reflection is, other than to say that if I can do it you can too. There is opportunity out there – if you’re willing to put in the hard work to accomplish it.

With that out of the way, it’s time to move on to giving an update on my 2015 goals. As I’ve been so busy the past few months it has been a little more difficult to stay on top of things, leading me to see I need to up my organization game so things I’ve prioritized stay top of mind.

2015 Goals Update


Save at least $15,000 for a new to us car. As I shared in the last update, this goal has changed some. We’ve decided to pursue buying a house instead of buying a car. There are a couple of reasons behind this. With such a significant amount of money, we’d rather throw it at something that will hopefully go up in value – thus knocking out a car for now. The other reason is with growing kids, our current house feels smaller every week. We’ve run the numbers and hope to move within the next year or so. We have a little over ten percent of the down payment sitting in our Discover Bank account and are dumping money into it each month. We’re also still putting aside $300 per month in a different account for a new to us car, but that has lowered in priority.

Do P90X. Like last quarter, this is a big fat fail! I am still exercising regularly though. I do a 5k three times per week and a free circuit training video from YouTube two times per week. It has been a challenge to stay on top of this with our traveling, but I found ways to work out when on the road. I did have a setback, tweaking my knee, a few months ago so I made some adjustments to my routine until it recovered – the joys of getting older. 🙂 Since I lost 100 pounds my goal has been to lose another 20-30 pounds, which will likely be a goal for next year.

The third quarter has passed, so it's time to go over my goals for 2015. With a few months left in the year there's still time to achieve your goals.

Start and complete a course for Frugal Rules. Like above, this has been another fail. As you may remember, I went the other direction with this and started a niche site focusing on the same topic earlier in the year. However, I’d still like to launch a course at some time for the site. As I get emails from readers asking for help it’s obvious that there is need out there and thus an opportunity to help. Time is the issue however and I will likely just need to carve out the time to get it off the ground.

As I look at my goals, and how they’ve progressed over the year, I’m glad I chose only three goals to focus on. In prior years I had more goals and always seemed to lack focus. I don’t feel that’s the case this year as it has helped me streamline things and be aware of when things need to change.

Thankfully, the rest of the year shouldn’t be as busy as the past few months have been – though it’ll still be busy. Looking at the calendar, we have about 12 weeks left in the year. There’s still time to make some serious headway on goals, not to mention starting to look at what we want to accomplish next year. 🙂


How have the past few months been for you? What’s new in your corner of the world? What’s one goal you’re working on to accomplish by the end of the year?

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I'm the founder of Frugal Rules, a Dad, husband and veteran of the financial services industry. I'm passionate about helping people learn from my mistakes so that they can enjoy the freedom that comes from living frugally. I'm also a freelance writer, and regularly contribute to GoBankingRates, Investopedia, Lending Tree and more.


  • At least you have goals! Our main goal with everything going on is basically just to survive! I have a goal to get a violin website up and running (with content from the wife), so many music sites out there look like they were made in the 90s.

  • How fun to reflect on the success of your business. Congrats! And a course would be great.
    I’ve never followed the whole regiment, but I liked picking and choosing certain P90x videos, and not having to run or go to the gym!

  • Congratulations on your 3 year blogiversary, John! And all of your blog’s success. I’ve never tried P90x. But I love my Insanity videos. It’s nice to be able to squeeze in an intense, effective workout in less than an hour. I’m also on a weight loss journey. And I’d love to be at least 20 pounds lighter by this time next year. Slow and steady, right?

  • Kim says:

    Congrats on sticking with the workouts on the road. It’s so easy to blow it off when you’re out of your normal routine. I don’t have a big goal to finish the year. The first part of the year was tough with all our rental stuff going on so we’re kind of on auto pilot now. I do need to do some painting in a few rooms of our house so maybe I’ll throw that out there.

  • Isn’t it amazing how things change in a year? I’m talking about it on Facebook today, too. I’ve hit my goals for the year, but some were unexpected. It’s nice to review and reflect towards the end of the year. I also want to launch a course next year! 🙂

  • Sarah says:

    Great job with the goals!! I’m with you, I can’t believe 2015 is almost over. It’s crazy! I have some huge goals too and I can’t wait to achieve them!

    What’s your niche site?!?! And good luck with the course!! I also want to release a course and an ebook…now to find the time 🙂

    • John Schmoll says:

      Thanks Sarah!

      It’s an investing related site – I can definitely let you know if you want to shoot me an email. 🙂 Good luck on the course and ebook – I need to find the same time as well.

  • A course would be great and it’s something I considered. Since getting the book deal a few months ago, it’s been almost my sole focus. It drastically changed my original 2015 goals, and I didn’t mind one bit.

  • I had surgery at the end of last year and I wasn’t able to exercise at the intensity I am used to, so that was an adjustment for me too. Some days getting old is a huge pain! 🙂 I think saving for your home is a smart move. Homes only seem to get smaller the bigger your kids get. And when they get older, say approaching those teen years, they also shockingly start to get a bit moody too. You’ll be glad to have the space!

  • Sarah Noelle says:

    I’ve actually made a few new financial goals/challenges for myself in the past couple of months:

    1. Deposit $100 in my Roth IRA every month (something I was not doing at all previously)
    2. Deposit $100 in my Betterment account every month (also was not doing this previously)
    3. As of October 1st, I’ve been doing a challenge where I don’t buy any restaurant food or takeout at all, and instead have to cook all my own meals (a big change for me).

    So, all good changes that will have positive financial benefits! 🙂

  • Congrats on the three year blogiversary for Frugal Rules!! It’s amazing how far you have come in three years. I know there are probably times where you feel as though you are not getting anywhere, and it’s times like those where it really makes sense to look back and see how far you have come. I am working on some big company projects that I would like to start working on by the end of the year. It’s always a challenge when it’s not completely in your control as far as timing, but I am doing everything I can to move them along.

    • John Schmoll says:

      Thanks Shannon! Yes, there are definitely times where I feel stuck on a treadmill and, I agree, it’s beneficial to take those times and look back on where you’ve come from.

      Very cool on the projects. Yes, that can be a challenge but you hit the nail on the head to focus on doing what you can to move things along.

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