9 Month Goals Update

I think I’ll do yearly goals updates every 3 months.  It will help be get on track and make sure that none of my goals falls too far out of my mind.  Keeping things in my mind will hopefully keep me focused on them and allow me to complete them.  If you’re wondering what my goals were/are check here, and if you’re looking for previous progress, check out how I was doing at the 6 month mark.

2010 Money Goals

  1. Pay Off Credit Cards – This has been a goal for quite a while, but I’m getting traction now.  Balance as of Jan 2010: $6,026

Finally! After YEARS of hollow “pay off my credit cards” goal setting, I’ve done it.  If you want to read about it, click here.

  1. Have 3 Months of Living Expenses in the bank – I’ve wrestled with this for a while, because of my frequent travel to/from my office.  If I lose my job (not likely) I’ll also lose ~$500 of work-related monthly expenses.  So, the question becomes, do I go for the lower amount of expenses or higher?  I think I’ll try to split the difference and make it half way. Goal $4,800 – $6,600
  • Although I’m trying for this, I’m not too sure if I’ll be able to hit the minimum (actually, I’m fairly positive I won’t, unless something changes).  While it’s only September and no one knows for sure what can happen, I’m fairly sure I won’t have 4 spare G’s just lying around between now & the end of the year.  I do know I wont have nothing in the living expenses bank, but I’m fairly sure I wont have this much either.  Goal will probably be partially completed.  Still will be a win in my mind though, because I have never had money for living expenses in the bank.
  1. Get Total Debt Level Below $37,500. As of Jan 2010, it was sitting at ~55,400 (This was after I bought my truck, but before I had to make the first payment).  This will be a tough goal to reach, but I think I can do it.
  • This is going to be very doable, but will be a pretty heavy lift.  Due to the amount of commuting I do, my plans are sometimes thwarted by weather related road closures.  However, holiday season is also coming up, these holidays give me paid days off at my regular job, and I typically use those days off to work at my 2nd job.  At current standing, I’m at about 40,541. This is only 3k away from where I want to be!
  1. Pay off Small Student Loan – This loan is just annoying.  It’s $3,073 and I think it’s next on the hit list after my credit cards.
  • Last month I made my first large payment to this loan, and I’m hoping to have this one knocked out during the first week of October.

2010 Health Goals

  1. Join the Gym – I made a decision last fall that I wasn’t going to join the Gym until my credit cards were paid off, and I though that it was going to happen sooner than it has, but Oh well.  If I can get 4 months in at the gym, I’ll be a happy camper in December
  • I joined the gym!  Although this was a fairly easy goal simply requiring me to part with some money every month, it took me almost 6 weeks to join ( I had planned on joining right after my last update).
  1. Go to gym 4/5x per week.  ’Nuff Said.
  • This one has proven to be much more difficult.  I’ve been going about 3x per week, and I feel like there’s always more time that I could go.  Hopefully I’ll be able to bump this one up soon.

2010 Environment Goals

  1. Walk to do my errands more around town.  I typically walk for about half of the errands that I have to run around town, but I’d like to get that closer to walking all the time.
  • I’ve been walking a lot to do my errands.  Complete for now, but the year is not over.  Could get much harder when the snow comes.
  1. Learn more about my compost heap and figure out how to make it work better.
  • Little to no progress on this.  However, I have found out you can compost a lot more than I originally thought you could.
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About Jeff

Jeff is the founder of sustainable life blog and has been interested in sustainability for most of his life. After realizing in 2007 that his finances were a total wreck, he started reading financial blogs and quickly realized that what is best for your wallet is typically better for the earth, and is usually healthier. On sustainable life blog Jeff shares his journey to a more sustainable lifestyle. For updates, subscribe by email or like us on facebook.


  1. I love how you have Financial Goals, Health Goals and Environmental Goals. Keep up the good work!

  2. Okay so I have a bit of advice for you about the gym…I’m one of those people who HATES going to the gym but once I get there it’s not so bad. So I analyzed my way of thinking and I found out that really the hardest part of the gym is actually GOING there! Once you get yourself there I bet you’ll work out longer than you originally planned for.

    So now, my secret is to trick yourself. Trick your mind into thinking okay I’m just going for 30 mins a day which is not so bad. But once you get there you’ll come to find yourself working out much longer.

  3. The walking around also ties nicely into the health goals! Congrats on finally paying off the credit cards; the rates on those can be killer.

  4. Fantastic goals mate! On the credit card stuff, do you never plan to use them again, or use them and just pay them off in full every month?

    Also, have you checked out the Yakezie forums? There might be an ad oportunity for you