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I hit all my goals this year! Also saved 28.5% of my income this year!
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Dec 2, 2022 00:10
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| # ? May 4, 2024 06:37 |
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I never actually posted my 2022 goals in this thread, and they are super similar to my 2023 ones, but I mostly did better this year than last year. - Got to back to 10k, then up to 15k in savings. Won't make it to 20k this year though. - Completed 6 to 7 art/craft projects. - Read 8 of 10 books, might finish 9 before the end of the year. - Beat 3 of 5 video games. - Watched 1 of 5 DVDs, oops. - Purchased 9 of 10 video games, technically a success? - Still bought too much collectible crap. - Started decluttering. So yeah, this is why next year will be focused on consuming the media and art supplies I already own and not buying more poo poo. All while I try to save money and hopefully purchase a house.
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Dec 2, 2022 02:03
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Doccykins posted:End of Octobeer End of November Financial Goals - Pension Pot £107k - ISA £10.3k - Short Term Savings £4600 - NW £143k Personal Goals for 2022 - - Redecorate curtains and blinds for - Redecorate living room floor - Buy new Office Chair (rolled over from 2021) - Buy new Fridge/Freezer | Washing Machine for kitchen (this is more of a stretch goal as the current ones work but aren't particularly good) - Buy new (used) car with Short Term Savings in Q3 or Q4 - Run and/or cycle at least twice a week - - Take one hour a day off screen at lunch when working - eeehhh kinda Financial goals are recovering slightly, will probably get to even by end of next month. Personal goals are a disaster - should probably focus on these more next year
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Dec 2, 2022 12:19
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December Update Current State - My student loans: 170k, currently 0% interest, no payments until  - Mortgage on 30 year fixed at 2.875% Financial Goals for 2022: - Max out Backdoor Roth IRAs for me/wife: Done - Max out wife's Mega Backdoor Roth. On track/essentially done - Max my 401k when I become eligible this summer. Became eligible with job/promotion, done - Put in 11k/month in to taxable.  - Put in 3k/month in to savings. On track - Start a 529 plan for Baby Evil. - Increase net worth to the next million. - Stretch: Increase net worth to next 500k. RIP - Look in to refinancing student loans after 0%/forbearance ends in January. Debating on what to do. I may just pay these off mid next year since I'm no longer eligible for PSLF, even though I work at a non-profit hospital.
Residency Evil fucked around with this message at 17:45 on Dec 4, 2022 |
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Dec 4, 2022 17:27
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w4ddl3d33 posted:it's never too late to start, right? update: things are not going so good. i have two jobs, but neither of them pay as well as my old one. we'll see how this all pans out. emergencies have eaten into my savings more than i expected, but 3k is still a possibility!
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Dec 4, 2022 20:31
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KYOON GRIFFEY JR posted:Financial Goals bought some furniture right after this but kept it under the budget!
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Dec 12, 2022 19:29
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"I'll come back mid-month and confirm that I failed/succeeded. Gotta stay accountable." -me, December 1 The retrospective: YeahTubaMike posted:Good morrow, kind goons. Here's my almost end of the year update: All good. quote:Other goals [the ones I didn't nix or already complete]: "Two meals a day at home" was hard to quantify over the course of a month. It was hard to know how bad I was failing or how well I was passing, so it just kind of always felt like failure even if I only failed once, which was just kind of a bummer. I changed it to "limit five takeout/order-in meals a week" for my 2023 goals even though it's technically a harder goal to attain, mostly because it's easier to track but also because that means I can spend an entire weekend not cooking if I want to.  I nixed paring down my insanely large useless t-shirt collection as a goal because 1) it's just not that important to me (yet?), and 2) those shirts can be used in case of emergencies, as the laundromat situation has shown me. I'm definitely still buying a vacuum though. 
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Dec 14, 2022 22:44
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End of Year Update Current State - My student loans: PSLF'd in January - Her student loans: PSLF'd in March - Mortgage: 15 yr fixed at 2.25% Financial Goals - Max backdoor Roth IRAs for me/spouse Done - Max my/spouse's 403b/457b Done - Put in - - Goal: - Goal: Start a small endowment for the training program I direct, or not if I jump ship Got a big bonus, donated a bunch of it to get to the amount needed for it to activate, endowment is officially active Personal Goals - Work out 5 days a week when not on service Generally successful, when I manage to not reinjure my back... - Get stuff together for academic promotion application in July - Learn 1 new piano piece Nope, try again next year - Actually use the cash we've been saving for the things it's earmarked for Got the things, trying to spend thoughtfully and not just hoard everything - More social activities now that everyone's had COVID + vaccinations - Happening, back to the usual work/life limitations - Continuing counseling, results have been mixed but trying to stick with it A good year financially despite a terrible market, I'm counting any net worth change >0 as a major success. A good year professionally, stepped up to full program director position, new faculty that are actively making the program better instead of trying to hold everything together myself, feels like plugging holes in a dam at times but maybe there'll be more consistent forward progress. Trying to get away from miser-brain to spend thoughtfully to make life easier, the time/money balance is very much in favor of spending more to get time back now, it's probably been that way for a long time but it's hard to switch gears. Not having massive student loans anymore though helps a lot.
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Dec 18, 2022 19:34
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End of Year Update! 1. Raise net worth from $260k to $310k. $304k. Not bad, I guess, considering how 2022 was! Goal not met. 2. Increase emergency fund from $16k to $18k. $18k. Goal met. 3. Get fence + retaining wall replaced. Pay cash. Cost: 11.2k. Paid cash. Goal met. 4. Put away $7k for August/September expenses. Goal met. 5. Make one extra mortgage payment. 1.16 extra payments made. Goal met. 6. Contribute minimum $4k to Roth IRA. $4140 contributed. Goal met. 7. No new consumer debt! Goal met. Overall - a good year (in terms of these goals)!
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Dec 21, 2022 22:18
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Final Update: Financial
Life
I really enjoyed this process. Having these goals through the year helped to keep me on track, and I'm definitely in a better place financially right now than I would have been if I hadn't posted here nearly one year ago. On to 2023!
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Dec 28, 2022 16:27
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I've been neglectful about updating so here's how I did: Financial
Life
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Dec 28, 2022 22:04
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whoops wrong thread
Residency Evil fucked around with this message at 22:28 on Dec 28, 2022 |
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Dec 28, 2022 22:25
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End of Year update 2022 Financial Goals
2022 Personal Goals
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Dec 29, 2022 19:13
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Had a crazy end of November and missed my update. All deltas below represent changes since October 31, 2022. Current Status as of December 30, 2022. Assets Total Cash = $78,024 (+ $12,656) Total Investments = $95,398 (+ $502) Total Property = $575,290 (- $13,300) Total Retirement = $170,138 (+ $5,339) Total Assets = $918,850 (+ $5,197) Liabilities Total Credit Card = $11,001 Total Other = $655 (iPhone upgrade program) Total Mortgage = $251,290 Total Liabilities = $262,946 Net Worth = $655,904
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Dec 30, 2022 22:03
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Omne posted:Keeping it simple again for 2022 Q1 Update | Q2 Update | Q3 Update Financial 1. Missed. There was a payroll snafu where the system combined employee contribution and employer match, and thought we were all over the limit 2. $500/$300/$300 3. $300/$300/$300 4. $400/$400/$400 5. $200/$200/$200 Personal 1. Success! Ended up with 27 books read in 2022 2. Failed. 14/12/4 for the quarter 3. Nope.
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Dec 31, 2022 17:53
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Here we go for end of year: Financial Goals for 2022 - Increase Pension Pot from £105k to £130k - Super Failed, got to treading water with it, still hovering around £105k - Increase ISA from £13k to £18k - Dead in the water, I had too much bond allocation here and they've eaten poo poo all year with interest hikes and the Truss/Kwarteng catastrophe - actual loss down to £10k - Increase Short Term Savings from £2400 to £5000 (if not cleaned out with personal goal) - Complete - Increase Net Worth from £141k to £170k - Final tally was £142k, +0.4% - Remortgage in December at end of 2 year fix, probably to a 5 year fix - Completes on 3rd January after the fixed term penalty expires tomorrow Personal Goals for 2022 - Mount Bedroom TV and Bathroom Mirror - Complete - Redecorate curtains and blinds for Kitchen | Living Room | Front Bedroom | Back Bedroom | Office - Completed half, have finally decided on the fabric for the living room, just the front bedroom to redo - Redecorate living room floor - Not complete - Buy new Office Chair (rolled over from 2021) - Not Complete - Buy new Fridge/Freezer | Washing Machine for kitchen (this is more of a stretch goal as the current ones work but aren't particularly good) - Not Complete - Buy new (used) car with Short Term Savings in Q3 or Q4 - Not Complete, the old one is still ticking over though so that's a plus - Run and/or cycle at least twice a week - Super Failed - Take a two week holiday in Q2 or Q3 and delete my work email app from my phone - this worked really well for the Christmas/New Year period to decompress (though I'm not logging in until tomorrow to see what kind of a disaster my inbox is) - Complete, and starting a new role for 2023 so inbox will start at 0 - Take one hour a day off screen at lunch when working - Kind of worked since getting the piano, using lunch to do some practice, but other times I still worked through For those who only have this thread bookmarked and don't venture into BFC as a whole the 2023 thread is here: https://forums.somethingawful.com/showthread.php?threadid=4017136 Better fortune next year!
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Dec 31, 2022 18:54
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Time to pay the piper... Financial Goals $800/month deferred compensation into 457b (Vanguard Institutional S&P 500 fund, ER 0.02%) (autopilot) Added a small-cap index to the mix to better capture the entire market at cap weighting. - Done! Started with the S&P 500 fund, later added a small-cap index, then held my nose and allocated 20% to the only EuroPacific option, which is actively managed but better than nothing. The average ER across all three funds is still less than the target date option. Max out Roth IRA, stash in broad indexes - Done! Max out I bonds - Done! Now to weigh whether to do this asap in 2023... Personal Goals Switch to cold showers - this was cute for much of the year, but once temperatures reached freezing, no, gimme some warmth please Lose 15 lbs (from 190 to 175) via the following sub-goals: -Portion control; -Daily workout after dinner, even if it's just walking a couple miles outside; -Replacing cookies and chips with fruits and vegetables in my diet --- Mostly done, I seem to keep gaining and losing the same final five pounds based on the size of dinner or having dessert. ---Holidays and vacation have undone much of my progress here, no shame in enjoying good company and good food though. Publish a story/poem - The venue where I submitted turned me down, and my backup's deadline is in January 2023, so with any luck, this goal will squeak through just a little late. Use at least one week of leave every two months - Went well in November and December, with a long weekend planned in January too. I need to step away more often, it feels great. Reconnect with friends I let drift during covid, one message/call per week - Mostly successful, reconnected with one friend over something we both enjoy and will finish an email to another friend this evening. Reach out and touch someone! Reading everyone else's goals and writing out my own is motivating, thank you! - Still true, and will remain true in 2023!
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Jan 1, 2023 00:07
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| # ? May 4, 2024 06:37 |
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Financial Goals open 529 for KG3 not yet Nonfinancial Goals Read 25 books. I hosed this up last year. Time to get it done. 21 I don't think I realistically closed this one this year; I did a poo poo job keeping track. Will try again in 2023 and actually keep track in some kind of app. Exercise 150x over the course of the year. 132 through November. Serious illness hurt my progress but I think I should be able to close it out with 18 days in December. Ski/snowshoe 10 days or more 9 Just short, we'll run it back in 2023 Ehh I'll give myself a C on this. I need to focus more on the non-financials and update my 2023 goals. Ended up not prioritizing the 529 after discussions with wife.
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Jan 2, 2023 23:21
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