25 Goals for 2015. Week 1

January 4 – 10 went okay. I’m not really sure yet how I want to structure my check ins throughout the year as I have a lot of goals… 25 goals. Perhaps weekly and monthly. Here’s week one of 2015:


1. Stop using overdraft, live on last periods pay. In progress.
4. Emergency fund $131.09 per week. Fail.
5. Retirement TFSA/RSP $45.35 per week. On target.
Vehicle fund goal 2015 $4 per week. On target
Future House 2015 $9.61 per week. On target

I use my $250 free overdraft every month and have been for some time, I started to do it because hey free money but then I started relying on it and every cheque I’d count on that overdraft to catch the shortfall. I’m $99.63 short until next cheque in a few days. After that I should be good to go as I’ve built up a little buffer of cash in my wallet for the next two weeks. I should be able to his this goal by the end of February for sure!

I didn’t reach my emergency fund goal, I put in $41.94, but I added 68 extra to my RSP and $22 to my future house fund more than goal so my overall savings are on target. It should even out by the end of the month!


14. Get up at 08:00/08:30 five days per week. On target
15. Lose 30 for 30. Fail.
16. Track food and  journal exercise daily. On target.
17. Go swimming once a week (incl. in gym membership) Fail.
20. Average steps per day 8,500. Fail. 7079
21. Read more: read 30 books this year. On target. 2/30
23. Complete the #100happydays challenge In progress.

My routine is improving! I did not hit my target steps because I had two days where I did nothing, I was feeling like I was coming down with something… I regret not at least walking on the treadmill. I did not go swimming and burning more than I eat/eating less than I burn is still a work in progress so I doubt I’ve lost anything. I’m on target for reading though, giving my life more of a regular schedule means I am much more productive and I actually have time for stuff! Which is awesome.

I used my homemade food/exercise/life thoughts/scrapbook/money journal every day, it’s working well. In the winter peeling myself out of bed is incredibly hard regardless of the Captureamount of sleep I seem to get. (I know since I’ve been tracking with my fitbit for quite some time) mostly due to the darkness, also to poor routine.  I have a hard time getting to sleep with lights around so I have black out blinds and a curtain, To get my routine even better and to help me get out of bed at a normal time, be productive and not be a total bitch in the mornings I ordered a wake up light, this one to be exact, got it on a warehouse deal for $121. I’ve always had difficulty with mornings. I can still darken my room from the streetlights at night and in the morning the wake-up light will slowly brighten my room and hopefully help me wake-up more naturally than my phone alarm.

It should be in next week and I’m excited to try it. I’m also starting the Daniel Plan with a group in a few weeks. I’m not too sure about yet but it will be helpful having a few girls around to motivate me with eating less and not being lazy. It’s frustrating. It feels like I have no control sometimes over the urges, but it really is as simple as just eat a little less and move a little more to get the weight to come off. It’s ridiculous. My grocery budget is way under this month though! Here’s another thought; when I look at my thighs, how much did they cost me? how much did the calories that converted into fat cost that ended up on my jiggly bits? Could’ve been sitting in my savings account instead. It’s such a luxury-2015 problem to have. I have problems with waking up, and problems with not being active enough. So I chastise myself, it doesn’t change it, so I’m changing so I can stop chastising myself.

To conclude, not a bad first week, could be better. Hopefully kick some ass this week!

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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