It’s getting towards the end of the year, and it’s a great time to review the goals that I had for the year and how I fared with them. I put some of my goals up on the site, and you can find them here. I’ve also been doing some quarterly updates that you can read if you’re curious (Q1, Q2, Q3) but this is the final one for this year, and soon will come goals out for 2012. While I didnt put my goals all on the website, I did put goals for my finances and my health on here. Goals not included were either mean to be a surprise or were not relevant to the topics on this blog, so I left them off. So, without further ado, here were my goals and how I fared with them in 2011.
- Pay off my Direct Loan. The balance for this loan as of 12/31/10 will be right around $4,250. While this wont help out my cash flow that much, it’s still by far the lowest loan balance that I have. I’m hoping that this will be paid off in Q1, and it should be if I can get back to my gazelle intensity that I lost in December.
Success! I had a pretty ambitious goal of paying this off in the first quarter, but was rudely woken up when tax season came around. I ended up using money that was supposed to be for debt repayment to pay both state and federal income tax. After that, it was mostly traveling during the summer that ate up my extra money for loan payments, and once I was finally ready to pay it off, they lost the check. Eventually (mid november) I was able to pay it in full.
- Pay Off Truck. This goal is going to be a heavy lift, but I think that I can do it this year. I’ve been debating if I should pay this off first or move on to the next lowest balance. In the end, the truck is going to win out because of the amount of cash that it’s going to free up. The balance on this note as of 12/31/10 is $17,979.
Fail! Although I knew last year that this would probably be a bit too far out of reach, I decided to put it on here anyway so even if I ended up failing, i’d be pretty far ahead of where I was supposed to be. I didnt make extra payments on the loan, but got a huge insurance check from a hail storm and was able to put that towards the value of the loan. After borrowing 21,000 in December of 2009, The loan balance is near 9,000 now, which I’m more than fine with. I originally financed the note for 6 years, but it should be long gone before then.
- Establish a routine at the gym. I seem to be teetering on the brink of a solid schedule of gym attendance, and I’d really like to have it gel into a nice routine this year. Unfortunately, this goal sits a bit at odds with my goal of paying off my debt (because I spend extra time working more to earn more). I’ve got a spreadsheet tracking my progress, and I’m aiming for 4 days a week at the gym (if anyone cares, tuesday, thursday, saturday and sunday). I think I can do this and stay focused on all of my other projects. I’ll share these results in my monthly reviews so you can keep up as well.
Semi-Success. I got into a pretty good routine during the first 8 or so months of the year, but kind of fell off after that. Though I was able to regain a bit in December, I’ll be back in full force with all of the other new years resolution people in January and February, but I’ll still be there when they drop off in march.
- Identify an unhealthy eating behavior and stop it. After thinking about this for a while, I’ve decided that instead of stopping an unhealthy behavior, I’m going to start a healthy one. I’ve decided that I’m going to eat vegetarian 1 or 2 dinners per week (my breakfasts are sometimes vegetarian, and I can switch my lunch if I want). This will give me 1 or 2 days of full vegetarian food per week, which should do great things for my health.
Success! This went really well, quite unexpectedly. H decided that she wanted to become a vegetarian (though she does eat fish) so that made my meal planning much easier. When I wanted to do a vegetarian night, I’d just eat whatever she was eating.