2015 – Goals! Oh nooo!

Oh boy!

It’s ridiculous how long I’ve been working on this post… I started it weeks and weeks ago.. and then I completely forgot all about it lurking around in the drafts folder… until I suddenly went.. oh crap.. didn’t I..??? Yeah you guessed it, I suddenly remembered that I had not posted it after all. How the heck could I forget?

And here we are, almost done with February. And I still haven’t given you the update on how I did with my 2015 goals! 😳

How can I make it up to you? Well I guess I could just go ahead and give you that update!

Before I do, I have a teensy-weensy disclaimer!

2015 turned out quite differently than I had anticipated. As some of you know, I had to throw in the towel at work, June 2015 for health reasons. Following that particular decision, a few things happened during the fall, things that was completely outside of my control, which unfortunately, took a toll on my health.

I know, I know..  it’s a poor excuse…  But excuse or not, it is an explanation for why I completely flunked on some of my goals, as you will see below.

I did have quite few goals, and even though I flunked a lot,  I did accomplish one or two…

So here it is, my (ahem) “quick” update, starting with one of the ones I actually passed 🙂

FINANCIAL GOALS
My overall goal when it comes to my house mortgage, is to pay it down as quick as possible. Every January I pay a lump sum towards the mortgage (a quick explanation of my mortgage). My goal for 2015 was to to save up NOK 60 000,- for my lump sum in January 2016. And I did it. Actually I was a ahead of schedule and had saved my yearly down payment by October. With a little extra savings in November.

I did debate paying down more than my 60 000 this January, but I decided I’d rather invest that extra money in mutual funds, as the interest rate on my mortgage is really low.

With this last payment, I’m down to 1/4th left on my mortgage, only 9 years in 🙂 Do I get a woot, woot?

DECLUTTER
I had a bunch of declutter goals. Just as in 2014 I wanted to shed an item a day. In addition to that, I had a few other “projects” like reading myself out of my bookshelf, watching myself out of my movie collection, and (the big mother of projects) photos!

My declutter goals for 2015:

• 😀 365 items – 561 items out the door – the big purges are mentioned here, here and here…
• 100 Movies – 68 movies
• 😦 Cut physical DVD series collection by 30% – I’ve only gotten rid of one series which probably amounts to all of 1%
• 34 books – 27 (I ran into too many I wanted to keep)
• 😦 Photo collection – I never had a proper goal on this as I have thousands of photos, and the idea was to – keep key photos as physical photos, scan the other ones I’d like to have access to, and get rid of the rest. – All I can say…. it IS on the list for 2016 (and 2017… and 2018… and…)

ONLY BUYING NECESSITIES
2014 was a year I focused a lot on only buying necessities ( I want, I want – I want it now!!!), and it served me so well that I continued in 2015. I had some non necessities allowances though;

• 😀 Books – buy only 10 books/magazines – I bought 6 books (4 of them e-books), no magazines
  
• 😀 Flowers and plants – same level of 2014 – I cut about 60% on 2014 results
• 😦 Eating out – reduce 25% on 2014 results – we have already established that this item is something we struggle with. So it shouldn’t come as a big surprise that we flunked this one completely. Here are the statistic:
  • we ate out 39% more times than 2014
  • average cost per meal was reduced 9,5% – resulting in
  • total cost for 2015 was increased with “only” 25,9% 

Even though the results are pretty bismol (with the exception of average cost per meal) there is one upside in it all.

You see, both B (my eating out partner in crime) and me stopped working early/mid 2015. B took out an early retirement + was hit by company downsizing, leaving the workforce early spring. And I, well I started the year working only 20% until I left completely in June, when I went out on 100% sick leave.

We have found out in the past, during holidays and such, that we eat out more when we are not working. In lieu of the fact that most of the year have been non working days, for us both, I’m actually surprised that we did not increase our cost by more than 25,9%. So yeah, we gotta look at the bright side of this 😉

• ❓ I can buy up to 10 non essentials throughout the year – Hmm lets see, I bought:
  
  • 2 lamps at an antique fair – the lamps are going over my dining table (been looking the last 5 years – finally found some I think might be cool.. as soon as I change the wiring 😉  )
  • 1 pair of shoes (needed a pair that can work as my one pair only for minimalist travel)
  • a few Lush products to test out deodorants and shampoos in solid form (travel)
  • a couple of eagle creek super light travel pouches (travel)
  • 6 pieces of clothing – 4 replacing worn out items, 1 item filling a hole in my wardrobe, and 1 just because I wanted it…
  • 1 frame for a poster (picture finally on the wall after years and years in a roll)
  • a set of omaggio vases

Depending on how you want to count these non essentials, it’s either a flunk or pass scenario. If you look at it from a “if every single item counts separately” then, yes I bought more that 10 items. But if “each purchase count as one” (eg lush, lamps, vases..) then I guess I kinda passed? You know what? I’m leaving it to you to decide 😉

ACTIVITY AND EXERCISE
The goal for 2015 was to build up to, by the end of the year: 7 days of activity a week, with 3 of these as real workouts.

Yeah, that didn’t happen (re my disclaimer) – I did pretty good during summer with an average of 6 times a week, but I took a crashing nosedive end of August, resulting in this goal going straight out the window for the rest of the year. So yeah.. a big, big fail 😦

OTHER ACTIVITIES/PROJECTS
As always, I enjoyed my garden as much as possible. In addition I had a few other projects.. mostly helping out family and friends with little things in the house.

I did however have a bit of a larger task, helping a friend who got a new house in 2015.  Picture this, a house built in 2000 with interiour like the 1970s! Yeah, non painted pine, red, orange and yucky cream/brown/puke coloured wall… and thats for starters. For her it became quite a renovation project.. so B and me tried to help out as much as my health would allow. You know things like; painting, drawing up the new kitchen, delivering doors to be spray painted, changing door handles, cutting moldings to fit new wardrobes, more painting, installing the wifi, hanging curtain rods, “create” (rather adjust) a couple of ikea kitchen units to fit the space… you know.. all the little things that comes up during move in and renovation 😉 It turned out to be a fun and very social summer as she had lot and lots of friends helping.. oh yeah.. and there was lots and lots of great food, do I need to say more 😉

All in all, it was a great summer season!

This concludes my “How did I do on my 2015 goals”!

About time, you might say! All I can say is.. Yeah, I know 😳