2010 Goals – Failure?
December 21, 2010 7 Comments
I had 4 goals for 2010. I accomplished none of the financial ones. The main reason is that I underwent a HUGE life change in August by switching states and jobs. This changed my yearly goals. I was upset about not accomplishing any of them, but to be honest, I think that being flexible with your goals is the hallmark of financial freedom. Had I not started on this financial quest then I wouldn’t have been able to accomplish the move or the job change.
The first goal was to eliminate my credit card debt.
This didn’t happen. Or come even close to happening. I managed to get my debt down another $3,000. Which is significant, but not as substantial as I had hoped for. The main reason for this is that very soon in to the year I decided to switch my goals away from paying debt and towards saving for the pending move. I saved $5,000 that would have gone to debt. Add this to the amount in my stocks and mutual funds that I have earmarked for debt and I definitely would have been really close to paying off the debt.
The second goal was to maintain a $1,200 emergency fund.
Like I mentioned, I saved $5,000 for moving expenses in my emergency fund. I used every last dime of this to pay for some aspect of moving – whether it be deposit on my apartment, lease break fees at my old place, moving expenses, ect. I did get reimbursed $1,400 for moving expenses but I put that on to my debt rather than back in to my emergency fund.
The third goal was to not eat out for 345 days in 2010.
I made it through 8 months of not eating out before finally throwing the towel in. I stopped because the month I moved was too difficult to not eat out. It is very difficult to cook when your things are in boxes! This was a pretty good success for me, I lost 25 pounds by not eating out. I saved quite a bit of money. I learned how to cook. And I don’t eat out as much now, even though I can. I made it a habit to eat in rather than eat out, and that is truly what I was trying to accomplish.
The final goal I had for 2010 was to do something every day that made me happy.
I’d say this goal was my greatest success. Yah, I stopped keeping track of what made me happy. But I did something that improved my overall life happiness: I changed jobs. I was miserable at my old job. Absolutely miserable. I didn’t like the town, my co-workers, and the dating life in a small, college town is a miserable if you’re not 24 years old (anymore).
Now I’m in a great city. I have a better job than I could have ever hoped for. I have an excellent group of people that I enjoy hanging out with. I have a boyfriend who treats me better than any boyfriend I have ever had. I made a change in my life that has made me happy every day. This was my major success of 2010.