It’s getting to that time of year, when I look back and see how I went with the goals I set myself this time last year.
4 of my 7 Credit Card balances paid off in full
Not quite done, but I do now only have 3 cards to pay off, not 7.
Half marks? +0.5
Personal Loan under $20,000
Done and by a fair amount, as of today the balance is $18,135 (interest for the month still to hit this before January 1st though).
A full mark is warranted here +1
Emergency Fund funded to $1,000
Done and doubled actually, I've got $2000 in my starter emergency fund. I've also set up travel, goals & car funds.
Another full mark +1
Retirement Savings at 3% personal contributions (on top of the 9% Superannuation guarantee)
Done, and just quietly could I have picked a worse year to do this? *lol*
Or maybe it was a good year as I’m getting extra units at bargain prices? I've contributed over $10K to my retirement account this year and the total balance went down $50K – Ouch!
+1 as I didn't stop contributing even though the share prices tanked. I learnt my personal risk profile is exactly as I thought it was which was surprising.
Total outstanding debt under $35,000
Move along, nothing to see here *whistles while looking away from you all*
No marks a big fat 0.
So all up I've given myself 3.5 out of 5 or 70%, which I’m pretty happy with.
Progress not perfection is the name of the game.