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My Second Hundred Day Challenge for 2020

It’s time to start another challenge.  I’ve been thinking about things, trying to figure out what the goals should be this time around. When I first started this back in January I was thinking that each period would have different goals/categories. However I’m now thinkng that each period will just be a continuation of the same basic categories but some will have new or more specific goals. So here goes –

  1. Declutter – again remove 100 items. I just heard that they may be starting to pick up items again so that could help free up some space and get some stuff I’ve already collected out of the house.
  2.  Budget – Actually I did do a good job of staying on top of recording our expenditures and I’m going to continue that. This time my goal is to see if I can get $500 or more into our liquid emergency fund.
  3.  Read 15 books with 5 coming from the TBR lists. I’m sticking with the same amount because I’m hoping to be spending more time on my last two goals.
  4.  Exercise for 20 minutes at least 5 times a week and walk at least once a week. I really need to put a lot of focus and effort here.  It’s been almost two years since I learned that I have arthritis in both hips. Last October I started seeing a physical therapist because I was having trouble. Not pain but discomfort and I was modifying actions to avoid pain and discomfort. We worked together and made some progress but I’ve let things slide and I’m feeling more discomfort again. I need to get back to doing the exercises she prescribed. I also want to get back to walking on a regular basis.
  5.  Spend at least 2 hours per week on my hobbies and that will be split with 1 hour spent in the garden and the other hour on my other hobbies. I would really like to get my granddaughter’s quilt and some garden stones done this time around.

This challenge period starts May 19th and runs till August 26. Anyone care to join me?? Leave me a comment with your goals and I’ll be glad to check on your progress and cheer you on.

The first hundred day challenge of 2020 is done

I’ve completed my first 100 day challenge for this year with mixed results. I made progress in each of my five goals although not as much as I would have liked.

Let’s start with the success – my reading goal which was to read at least fifteen books with five coming from my to be read lists. I was able to complete twenty books with ten of them coming from my to be read lists. The shelter in place rule had a lot to do with that. I cannot wait until I can go to the library or the bookstore and search out new books. I thought about  getting an Audible subscription or even putting Kindle back on my laptop but didn’t do either.  When I did have the Kindle app  I ended up with a ton of free books stored on it but never seemed to get around to reading them. I prefer the feel of a real book. I’ve never tried listening to books but I have the feeling that it wouldn’t appeal.

I also had partial success with the decluttering goal of removing 100 items. My final total was 119 items although quite a few are still here since I haven’t been able to take them to be donated or recycled. And I’m wondering if they will be able to be donated? Will places take them not knowing if they came from a house that had the virus?? What will this virus thing due to the resale industries?

I can’t decide if my goal to spend at least an hour a week working on a hobby was a success or not. I did spend an hour or more for eleven of the fourteen weeks which was good. However I had hoped to finish my granddaughter’s quilt and that did not happen. I didn’t specifically say that I would finish the quilt but that was my hope.

I did not meet my budget goal due to several factors. These included an unexpected car repair, the need to fix the water pump, joining the CSA, the shutdown of my husband’s business, the lack of a liquid emergency fund and my inability to get my husband on board with staying within our limits.

The last goal was to exercise at least six days a week. I only managed that seven of the fourteen weeks. I definitely need to do better in the future.

Now I need to decide what to focus on for the next hundred days which will start on May 19th.

Hundred Day Challenge Update 5

Hard to believe that I am almost halfway through this challenge. I’ve made progress in some areas and need to do a better job in some areas. Here’s how things look today

  1. Declutter 100 items – I’ve gotten rid of 76 things so far. I want to update the list but haven’t made the time to do it so far.
  2.  Stay within the budget – not doing so well here with the car, the water heater and signing up for a CSA. We are trying to make better choices with our food but that comes with a larger price tag. Need to figure out some ways to lower other costs to compensate.
  3.  Read 15 books,  5 from the TBR lists – I’ve read 3 from the TBR list and a total of 13 so far
  4.  Exercise for at least 10 minutes six/week – only 3 of the 6 weeks so far.  I’ve faithfully ridden the bike every Monday through Friday but the weekends are difficult. Between the bad weather and a lack of motivation to get myself and my granddaughter out of the house, I haven’t been able to check off that last day. Need to make it a priority and just do it.
  5.  Spend one hour/week working on a hobby – I’m doing okay although I haven’t been focused on the quilt like I had planned. I’ve met the goal five of the six weeks so far. I made a wreath, did some work on the quilt, did some garden planning and went through a ton of scrapbooking stuff.

Overall I feel pretty good about things and am hopeful that I will be able to finish strong. Have you made progress on your goals this year? Please share – I’d love to hear from you

MUMday

This week I am updating my savings progress. My hope is to have a total of  at least $250,00 in my retirement and emergency funds by the time I hit 60.

As  of  June 30, 2012 I have $169,348.81 which is 67% of my goal.  That means I need to save approximately $708/month or $8490/year to reach the goal. And of course the stock market needs to have more ups than downs in that time frame.  We’ll see how it goes.

End of Year Wrap Up

Well, I had some success in meeting some goals but fell short in many areas. As I move forward I’m making a shift from thinking about the end goal and instead thinking baby steps. If I just keep thinking about the next step it should be easier to feel like I can make progress.

In the area of fitness – I didn’t hit my goals but I did make some progress. I’ve lost over 5 pounds, my waist is 1.75 inches smaller and my belly is 1.5 inches smaller. I learned about weight training from a personal trainer and I did some walking with friends. I’ve become more aware of what I’m eating and I’m moving more.

Our emergency fund and retirement savings received some help from an inheritance from my MIL.We weren’t able to add much ourselves with DH not getting a paycheck for most of the year.

I did do some decluttering and reading but I haven’t had a chance to update those lists yet. I’ve become a bit more regular in my blogging habits and hope to continue that next year.

Hope everyone has a happy, healthy and prosperous new year.

Savings Update

There is good news and bad news.  I’ll start with the bad – our investments went down in value. The good news is that DH’s  Beneficiary IRA has been transferred from his mother’s account to his retirement accounts. Therefore we are up to 143,785.42!!  Now if we can just keep it up there. Hopefully he will soon start getting a paycheck and we will be able to start investing again.

Be back again tomorrow with the fitness update

Decluttering

I’ve been reading about decluttering and think I’m going to give it a try again. One of the blogs I’ve been reading, 365lessthings.com, chronicles a year in which the writer got rid of one thing each day. I tried that once before and I think I’m ready to do it again. She managed to sell quite a bit of her things and that could be helpful to my savings quest. 

I don’t have a lot of stuff that I can sell but I might be able to round up a few things. Even if I don’t make a lot of money it would be good to be rid of some of the stuff that is taking up time and space. In fact I just might force encourage my children and spouse to do it along with me. Not one item everyday for them but maybe a numerical goal for each of them. I’m thinking of doing it over summer break. My boy coulddo one a week and my girl could do at least one a day – would love to see her do more. I have a few weeks to plan my strategy and introduce the idea.

Savings Update

Our retirement fund is now up to $133,048.77!  Part of the increase comes because I found out that I hadn’t updated one fund for 2 years and the rest of the increase is due to some money being put into the funds and the overall improvement in the funds. This means we are now over halfway to the goal!

Our emergency fund had a hefty contribution thanks to an inheritance but now comes the inheritance tax. Not sure just how much that will be. We will need to add some more to reach my desired minimum but it is pretty close.

With prices going up, I need to work a little harder at making sure that I keep my expenses down.

Back to the Beginning

Lately I have gotten off-track – in life and here on the blog. This blog was originally started as a way of recording progress on 6 goals that I had.  But I have drifted away from that focus because of my desire to get fit this year.

I really want to get back to my original goals in addition to the fitness focus. I am going to try to update the old goals and then come up with a plan to keep up with all of my goals.

Since I have recently received most of my retirement quarterly reports I will start with that goal first.  I hope to be back with that information tomorrow.

A Little Bit of Everything

Can’t believe that the year is almost over. There was so much more I wanted to do but perhaps next year. I hope to get better or a least more consistent in posting  my progress next year.

I have read 60 books on my way to my goal of 1500.

I have taken 4 glass classes and created a variety of items. More to come on this.

I have started to try to find ways to save more money.

I have looked at various companies that sponsor trips to the Galapagos Islands.

I have looked into possible retreats for next year.

I had a discussion with the girl about her quilt. Now we need to come up with a design and fabric.

So, I can look back and say I made a least a tiny start on all of my goals and that makes me very happy.

I’ll try to be back soon with more details.

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