Wednesday, October 1, 2014

2014 Goals Tracking - Sep End

These are my goals for 2014.

Tracking time is here, let’s see what my progress is and what the scorecard is.

Financial:-
  1. Net-worth (increase by 20%): Done for the year.
  2. Savings (Save 40% of take home): Fail. Well September was a very expensive month. I had lot of premiums to pay, car servicing due, baby's new-to-him bed was bought and car tyres had to be changed. additionally, we 3 were not well all month long :(
  3. Retirement (Save 30% for this): Pass.
  4. Emergency Fund (EF = 3X monthly expenses): Finished for the year.
  5. Payoff my 1 loan: Finished for the year.
Personal:-
  1. Baby schedule: Fail. I was unwell almost all month. Had no energy for most of September and hence lots of time baby schedule has slipped up. :( I am so not proud of it. :(
  2. Reading: Fail. Will I ever pass it. :(
  3. Improve myselfFail. When you are so low on energy, negative thoughts creep back in.  
  4. Exercising: Fail. Again due to illness, took a week's break. :(
Score: 4/9.

Can't believe it, this was the worst month of the year so far. 

Previous Months:
Jan
Feb
Mar
Apr
May




Thursday, September 4, 2014

2014 Goals Tracking - Aug End

These are my goals for 2014.

Tracking time is here, let’s see what my progress is and what the scorecard is.

Financial:-
  1. Net-worth (increase by 20%): Pass.Finished for the year. NW increased by 21% already. YIPPEE
  2. Savings (Save 40% of take home): Pass.
  3. Retirement (Save 30% for this): Pass.
  4. Emergency Fund (EF = 3X monthly expenses): Finished for the year.
  5. Payoff my 1 loan: Finished for the year.
Personal:-
  1. Baby schedule: Pass.
  2. Reading: Fail. Will I ever pass it. :(
  3. Improve myselfPass. I am improving on not to think bad about un-necessary things, not to take every thing personally. 
  4. Exercising: Pass. Recently again picked up. Hope to continue without break. 
Score: 8/9.

Previous Months:
Jan
Feb
Mar
Apr
May


Friday, August 8, 2014

2014 Goals Tracking - Jul End

These are my goals for 2014.

Tracking time is here, let’s see what my progress is and what the scorecard is.

Financial:-
  1. Net-worth (increase by 20%): Pass.
  2. Savings (Save 40% of take home): Pass.
  3. Retirement (Save 30% for this): Pass.
  4. Emergency Fund (EF = 3X monthly expenses): Finished for the year.
  5. Payoff my 1 loan: Finished for the year.
Personal:-
  1. Baby schedule: Pass.
  2. Reading: Fail. Will I ever pass it. :(
  3. Improve myselfPass. I am improving on not to think bad about un-necessary things, not to take every thing personally. 
  4. Exercising: Pass. Recently again picked up. Hope to continue without break. 
Score: 8/9.

Wow. Best score of the year.

Update on cooking: tried couple of new things in one week long stay-a-cation.

Previous Months:
Jan
Feb
Mar
Apr
May
Jun

Thursday, July 3, 2014

Half yearly update and tracking - 2014

These are my goals for 2014.

Can't believe its July already. Since 6 months have passed, lets see how I fare in each of my goals.

Financial:-
  1. Net-worth (increase by 20%): This goal I have achieved in all last 6 months. I count this goal as pass if I can increase my NW by more than 1% in a month. Till June end, my NW has increased by 14%, seems like I should be able to achieve this target within next quarter.  
  2. Savings (Save 40% of take home): Other than in February, I have managed to achieve this as well. This one I calculate as savings from our take home pay. I don't count automated deductions. Aim is that expenses should always be under 60% of whatever money comes to us. Last year I used to aim at 50% but with baby going to school + daycare, 50% seemed outrageous. However, quick calculation shows that I achieved 50% in 4 out of 6 months, not bad aah!
  3. Retirement (Save 30% for this): To be honest I have totally forgotten what was in my mind when I said 30% for retirement. Was it 30% of total savings, 30% of total salary, or 30% of take home, i have no clue. I am marking it as pass if I don't interrupt my automated retirement savings. This also has been pass in all 6 months.
  4. Emergency Fund (EF = 3X monthly expenses): Finished for the year. Saved 3 months expenses in short term FDs, which can be en-cashed within a day or two. Couldn't save anything for first 2 months of the year, however achieved it in next 4. :)
  5. Payoff my 1 loan: Finished for the year. This took priority and I payed it off completely in first two months. Now you know why no EF for first 2 months.
Personal:-
  1. Baby schedule: This is mostly a pass, except the January month. I am consciously trying very hard for work-life balance to not let my baby suffer.
  2. Reading: Failure till now. To be honest lately work has been more on research side hence no brain cells free for more reading. I could have counted that reading in here but that will be cheating and I as a principal never cheat myself. :)
  3. Improve myselfPass. I am overall more positive and optimistic. 
  4. Exercising: First 4 months I couldn't concentrate on this. But last 2 months I have become very serious for this goal. I am walking regularly now, even on days when I am not well. Hope to continue this spirit for rest of the year.  
Score: 7/9.

Previous Months:
Jan
Feb
Mar
Apr
May

2014 Goals Tracking - Jun End

These are my goals for 2014.

Tracking time is here, let’s see what my progress is and what the scorecard is.

Financial:-
  1. Net-worth (increase by 20%): Pass.
  2. Savings (Save 40% of take home): Pass.
  3. Retirement (Save 30% for this): Pass.
  4. Emergency Fund (EF = 3X monthly expenses): Finished for the year.
  5. Payoff my 1 loan: Finished for the year.
Personal:-
  1. Baby schedule: Pass.
  2. Reading: Fail. I even had a one week stay-a-cation but couldn't achieve this.:(
  3. Improve myselfPass. I am improving on not to think bad about un-necessary things, not to take every thing personally. 
  4. Exercising: Pass. Recently again picked up. Hope to continue without break. 
Score: 8/9.

Wow. Best score of the year.

Update on cooking: tried couple of new things in one week long stay-a-cation.

Previous Months:
Jan
Feb
Mar
Apr
May

Thursday, June 5, 2014

2014 Goals Tracking - May End

These are my goals for 2014.

Tracking time is here, let’s see what my progress is and what the scorecard is.

Financial:-
  1. Net-worth (increase by 20%): Pass.
  2. Savings (Save 40% of take home): Pass.
  3. Retirement (Save 30% for this): Pass.
  4. Emergency Fund (EF = 3X monthly expenses): Pass.
  5. Payoff my 1 loan: Pass.
Personal:-
  1. Baby schedule: Pass.
  2. Reading: Fail. Work is so hectic plus i took a vacation for a week. :(
  3. Improve myselfPass. I am improving on not to think bad about un-necessary things, not to take every thing personally. 
  4. Exercising: Pass. Recently again picked up. Hope to continue without break. 
Score: 8/9.

Wow. Best score of the year.

Update on cooking: back to square one. hardly tried anything new here. Lets hope to do better in June.

Previous Months:
Jan
Feb
Mar
Apr