OK, OK. It’s not technically the end of the quarter.
But I’m on winter break, so I don’t really know what day, what week, or what year it is.
Plus, everyone and their
uncle blogger buddy is posting 2018 recaps.
Since I don’t set yearly goals (mostly because I’m probably the world’s worst goal setter ever), this is all I got.
So here was my plan, and here’s how the last few months of 2018 shook out for me!
A Reflection on My 2018 Q4 Goals
Mortgage Principal – $9,413.45
I hate my mortgage. I hate my mortgage. I hate my mortgage. I hate my mortgage. I hate my mortgage. You know that typewriter scene in The Shining? That is me every time I sit down to blog about money.
We crushed our goal of putting $8000 total toward the principal for this quarter for a few reasons. Since we maxed out our Roths super early (Bahahaha! Joke’s on me, I know!), we took what we would normally put toward retirement and tacked it onto our principal. Plus, I’ve been sitting on every penny of my side hustle money this year. So we made a whopper of a year-end payment.
529 College Fund – $1050
Amidst the smoldering wreckage that is HP’s college fund, I was able to see that we did, in fact, deposit $1050. That means we cleared our goal of adding another $1000 this quarter. Now what Mr. Market did to that money, well, that’s a different story entirely.
403b Retirement Fund – $900
This seems like a pittance, but I’m actually super proud of myself. I finally set up a 403b and set it to deduct $150 from each paycheck. It’s not a ton, but it’s something. And for as much noise as the market is making the fact that I haven’t even looked at my account once is the real victory here.
Steps – 977,092
I have pretty much let my health fall to the wayside this year. It’s a sad realization, but I think the one bright spot has been my FitBit. I was so unconvinced last Christmas, but it really has made a huge difference in my life. Getting close to 10,000 steps a day (which is how I would have labeled my life pre-FitBit) and actually passing 10,000 is a totally different way of living. Some days, I think I’m close and I still have thousands more steps to get. Thankfully, it’s been such a wild ride in my classroom this school year, I’m usually hovering around 13,000 steps on a school day! My goal for this quarter was 950,000 steps, and I’ve surpassed my goal with a few days to go.
Reusable Cups – 4
I failed. I failed so hard. OK, I went over by one cup. But it was still a bummer. I can’t really chalk this up to anything other than laziness and forgetfulness. But I’m still pretty proud that I’m averaging only slightly more than one cup a month. I’m going to continue working on this in the new year.
Decluttering – 20+
I made at least a handful of Freecycles. Plus, I moved a few things on OfferUP. One thing I sold, and then I gave away a bunch of baby clothes. I also made a few sales on Poshmark. The best part, though, is that I recently discovered a church in our downtown actually runs a clothing pantry. Now I feel like I have a huge incentive to really comb through my clothes. I know they’ll benefit my community directly, and it’s not quite as cumbersome as taking photos and posting them on Freecycle. Plus they won’t just be turned into rags (which is what a lot of charities do). It’s probably vain, if not stupid, but it’s much more motivating to me to think of something enjoying my things rather than them being turned into scapes. Whatever works, right? As of right now, I have two boxes of at least 50 items waiting to be dropped off. High five for me!
Final Thoughts on Quarter 4 Recap
Rather than post my goals for next quarter or next year below my recap, I’m going to dedicate a separate post to them.
And not just because I need more posts. WINK!
I actually want to let myself sit with this year a while longer before I try to bring 2019 into focus. I do know that my overall plan is to make next year a lot less about money and a lot more about my family and me.
So Tell Me…How did the end of 2018 treat you?