Looking back on 2014

Happy new year! Are you celebrating?

My networth increased this year from $54,859.23 to $60,744.88. Wait, what? With all my spending, my THIRD trip this year… and my networth went up? I guess I’m not as big of a screwup as I tend to think I am at times. Phew! :-p A year in review:



1. Continue to track my sleeping patterns. Fail. There’s really no need for this anymore. This was a bad goal, it wasn’t measurable on an x out of y type graph and I cant download fitbit stats without paying for membership. I sleep better, I generally sleep well every night unless something is bothering me. The night terrors are gone. I do need to work on a better pattern of not staying up so late and getting up earlier, I will incorporate that for 2015.

2. Increase my step average to average out to 9,000 steps per day over the course of the year. Fail. My average for 2013 was 8,590 per day. My average for 2014 was 6,731 per day.
3. Lose 5 lbs and keep them off by December 13th. Fail. I’ve remained stable, not up, not down. The small victory has been no yo-yoing and having been the same weight all year! 

In summary, I need to set some better goals for my health for 2015 and work on them so that I have something to strive for the entire year, and can consistently check in and measure how I’ve been doing.

Project Move


Let’s quote something I wrote earlier this year: “I’ve taken down the tab for project move and moved the idea to the background. Project move was about leaving my province for a while, a few months, to figure out what I wanted to do or if I maybe wanted to live elsewhere for a while. I had always felt restless and never at peace or at home here on PEI. I seem to have found some peace with where I am, and my love for this place has grown. I don’t feel the need to leave for the time being except for travel. I want to focus on financial goals however so that it still remains a possibility, and of course I want to keep traveling! I’ll be able to plot and plan more once my house sells.” 

There are two interested buyers looking at my house right now, I’m praying one of them will at least make an offer! On the house topic, I have a before and after pictures post coming up on Monday covering all the work I did over the years 🙂

4. Save a $10k emergency fund. Fail. I finished the year at $3,087.56. Hmm.

5. Finish and sell my house by the end of the year. Done! Although it hasn’t sold yet… My house is finished!

6. Get rid of stuff. Done! I’ll work on this more in 2015 too.This goal was called: “Finish digitizing all my files that are able to be digitized.” Initially I was only focused on office files but there’s so much more crap in my life I don’t need. It’s slow, but progressing. I don’t keep anything that doesn’t make me happy. This goal wasn’t very good, it’s not measurable but it is a lifestyle change I have taken up mostly successfully.

Other financial goals

money money money

7. RSP balance of $3,000. Done! I finished the year at 3,233.62, more than $200 more than planned 🙂

8. Cuba/hot-spring vacation, $1,200. Done!  It was amazing.

9. Short camping trip funded out of pocket in July. Longer world-trip in August/September. In progress. Done! I didn’t go camping, cancelled the idea. I did go to Ireland and the Netherlands as planned, I went to Florida with R for 11 days at the end of November. My travel savings accounts did their job. I came home debt-free and had an all around amazing time everywhere. I went orange picking too!

10. A networth of $70,000. Fail. Poor budgeting this year. My networth increased this year from $54,859.23 to $60,744.88. The increase of $5,855.65 is mostly due to my house value increasing, small increases to my savings and continuing to pay down my mortgage.

And that about sums it up. I failed half my goals, was pretty successful in a couple (mostly the spending ones) and some I skimped by. It wasn’t a standout year by any means, but I’m looking forward to the next year and plan to set some measurable thought-through goals, financially and personally to get ahead in 2015!

Published by Renée

I write about my life, travel and my financial up and downs on my blog, Nickel By Nickel, while contradicting myself daily. ;)

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