2019 Goals- Four Month Check-Up

Below is a look at the goals that I had setup for myself for 2019 and a snapshot of where I stand on progress for those goals.  

1. Keep Weight under 235 (see above for incremental goals):

FAIL.  I continue to struggle on this goal.  I am very disappointed in myself as I have allowed my discipline to waver.  Not only have I not achieved my secondary goal of getting and staying below 235, but I have actually gained weight.  I have succumbed to mindless snacking at work during the day and I have made very bad meal choices at home.  I am hopeful that the disgust I currently feel will motivate me to get back on track with this goal and I hope that by the end of 2019, I will have reached my goal and renewed my path to a healthier lifestyle.

2. Max my 401K contributions:

I continue to contribute 12% to my workplace 401K account.  Year-to-date I have contributed almost $7,500 but this included some variable compensation that I cannot count on going forward.  Based on my contribution level, I am still on track to reach the contribution maximum for 2019.  That limit is currently $19,000 and I should be on pace to reach that amount sometime in November or December.  Another option is to increase my withholding percentage.  I believe I have mentioned previously that the way I try to do this is in small increments.  As I write this, I think that is the route I will take.  This week, I will increase my withholding by 0.5% or 1% and then allowing my monthly finances to adjust to that new take-home amount.  I am certain that this will have little to no impact on my monthly budget and will help ensure that I reach this goal even earlier than currently expected.  I will report next month whether I followed through on this maneuver.  

3. Fully Fund Wife’s ROTH IRA (Stretch Goal:  Fully Fund my ROTH IRA as well):

Both of these accounts have been fully funded.  

4. Read at least 24 Books & Listen to at least 24 audio books:

My reading has slowed down a bit in the past month.  Work has picked up and that gives me less free time.  Additionally, my kids’ activity schedules have really gotten to the point where each and every evening we are on the run so once we actually get home, we are pressed for time to get all the other things done that need to get done.  All this combined has slowed down my reading.  However, even with this in mind, I remain ahead of the pace that I set for the year.  As of this writing I have read 15 books and listened to 13 Audiobooks.  That puts me on pace to read 45 books and listen to 39 audiobooks by the end of the year.  Since summer is fast approaching, I am hopeful that my pace will pick up and I will not only reach my goal but also give me hope that I can increase my goal for next year as well.

5. Re-read “The Millionaire Fastlane” by MJ DeMarco & “Set for Life” by Scott Trench:

I have still not begun a re-read of either of these titles.  Each time I finish a book, it seems like another reserve from the library becomes available and I put off re-reading these two titles.  I will definitely get to them soon. 

6. Get Vanguard Taxable Investment Account over $55k

I am fast approaching the achievement of this goal.  As of today, this account sits at $53,594.10.  Based on current automatic transfers to this account combined with moving any additional “found” monies, I hope to report by next month that I have reached this goal already. 

7. Pay Credit Cards in full each month:

Thus far, I have paid all credit cards in full each month of 2019.

8. Get HELOC Balance under $30K:

This goal has been reached.  The current balance on the HELOC is $27,455.11.  I will continue to pay this down in an aggressive manner.  Since I have already reached this goal through April, I will set a new stretch goal for myself of getting the balance under $20,000 before the end of the year.  That is a very aggressive goal, but I feel like I am playing with house money since I already hit the original goal.  

9. Continue to Blog weekly:

I have continued to blog once per week.  I have set myself a goal of publishing a new article each Wednesday.  While I have successfully hit the goal of blogging weekly, I have missed the Wednesday deadline once or twice thus far (including this article with I am writing and hope to publish today, a Thursday).  

10. Earn additional $100 per month in income through various side hustles:

For April I was able to exceed this goal once again.  For April, we were able to generate an additional $208.00.  The details of that extra money are below.

  • ¬ Swagbucks.com:  $50
  • ¬ MyPoints.com:  $25
  • ¬ March Madness Pool:  $133

I have previously written a post asking the question of whether or not fantasy sports winnings can be considered a side-hustle or not.  While I think that including those winnings can be considered here, I struggle a bit with the above.  Along with a few friends, we bought various squares for the March Madness basketball tournament.  Above our initial investment, these produced winnings of $133 for each of us.  I include it here but not really sure that I should since this was really a game of chance and had no skill on my part whatsoever.  If you agree that this can be included, I have hit this goal for the month.  If you take out those winnings, then I came up short this month.  I have identified many books, CDs, and DVDs that I can sell either online or to a retail store such as Half-Priced Books, but I got lazy and did not actually sell any of these items in April.  

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