2018 End of Year Life Goals Review

How did 2018 go? Let’s take a look:

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Health: I made a ton of progress this year; learned how to do some cooking, read a few health books that changed the way I think about food and significantly reduced my sugar intake, adding fiber to my diet in the process. I also started running regularly, even signed up for a crazy run coming up early in 2019!

End of Year Review: B+

Professional: By far my best year ever! I delivered all my projects on time and budget and went above and beyond the call of duty. I am expecting a promotion soon out of that work. Blog goal? total fail. My computer died towards the end of the year and work was very hectic. I am ok with that being the part that fell off.

End of Year Review: Blog D, work A.

Relationships:  Limited the number of people I focus on giving my attention to, but when I do I am doing better. And, we rescued a second dog! He is fantastic and completes our home.

End of Year Review: B.

Financial: We missed most of our goals, but we diversified, bought a lot for our future retirement home and killed our debt goal.

End of Year Review: B-

Wants: Putting money away specifically for our used electric car fund for replacing our old second carUpdate: Our old car died end of November 2017, before we even got to 2018 goals, so we bought a car. I guess we can cross this off the list!

End of Year Review: Achieved!

Experiences: It was a great year for our bucket list.

End of Year Review: B+, see below!

  • At least 5 bucket / travel list items:
    • Bali (with husband)
    • Canyoning,  private dinner at own villa & volcano hike (with husband)
    • Colonial Williamsburg (with kids)
    • Snow Tubing, ice skating, sleeping on a dome, theater play (with kids)
    • Rescue a non puppy dog
  • At least 3 personal challenges:
    • No buying clothes or ‘stuff’ for a year for me except personal hygiene and food items. Experiences and travel are allowed and encouraged.
    • Vegetarian for a month.
    • Reduce closet by 10 items by EOY (without replacing).
    • Rental of convertible (the one thing I failed to complete in 2017!)
  • Five zero waste changes:
    • In 2018 we have to find 5 small changes towards a less wasteful way of living. (mmm…I think we only got 2 changes but hey, we will build a net zero home for retirement, does it count?!).

I loved 2018, I grew a lot as a human and got back on track with some healthy habits. While the financials were not the strongest, work, mental health, experiences and family were very solid.  Overall an A- year!

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Q4 2018 Financial Progress Report

This quarter was rough! For the first time since writing the blog we are in negative territory vs the previous quarter. Still, we remain positive; slow and steady wins the race!

Assets

Liquid assets stand at $608.3k; that is $67.5k less than Q3 this year.  Ouch! We have also put aside an additional $19,050k for our real estate venture ($37,550 total invested). If we combine both of those we are at $645,850k. The original goal for EOY was $704k – or $58,150 under asset goals.

We do also have $15k against a lot we purchased to build our retirement house, but we will not count it within our investment asset goal right now.

Our combined 529 balances (not counted above) ended at $57.1k or negative $6.8k from from Q3.

Debt

While our assets had a terrible end of the year, our total remaining debt, mortgage plus car loan, stands at $54.2k, destroying our original EOY debt balance goal of $101.7k.

Expenses

The saddest part of my update is our expenses. We had a few unexpected but necessary expenses in Q3 (branch fell on our car and we had to replace the windshield (under deductible still), we had to pre-pay almost $3k of vacation expenses that we will take Jan 2019 and my computer had liquid damage and had to be fully replaced), ending the year at $75,575, over our $70k budget.

While on the surface it seems like we had big misses this year, we are actually pleased with our progress. Our debt is way ahead of schedule and while our liquid assets are lower, we also are diversifying with real estate and adding one giant bucket list item to our plans: a lot near the beach to build our dream retirement home.

At the end of the day, isn’t the point to turn our dreams into reality?! 🙂