A fall financial check up!

I haven’t done any financial updates since May, it’s been a very busy summer. I’ve been working part-time and the income has been a God-send but the summer flew by, I didn’t enjoy much of it…There were several times I just wanted to quit.

I am whining, and of course timely ran into this post here; go read this, from the post:

““How can anyone at the prime of their human capital, who lives in a G20 country in 2015 complain that they are screwed? In all of human history so far we are living in the best of times.”

I feel stuck between a rock and a hard place and all I can do is keep budgeting, keep being cheap and some day there will be an end to it. I have so much.  Look at the life I live, my house, my bed, my dog, I can still afford to go on airplanes, I have a lot of richness in my life. I need big fat reminder daily to be grateful for all the cool stuff I have in my life. I should shut up, stop feeling sorry for myself and get on with it.

I want to go over the goals I set for this year:

1. Stop using overdraft, live on last periods pay. Reach by end of February. Success!
2. Save and splurge on a nice new purse in the spring.  Cancelled this goal, pointless and I can’t afford it
3. Sell my house. Fail. 13 months and counting… Not sold yet.
4. Max emergency fund to $10,000. Fail. I emptied my emergency fund to pay off house related debt. Only have my mortgage left, very little savings, but it’s progress!
5. Retirement TFSA/RSP combined* goal +$1,266.38; $4,500. Success!
6. Vehicle fund goal 2015 $208. Cancelled this goal
7. Future House 2015 $500. Cancelled this goal
8. Travel expense 2015 $1,500 jan – oct, after that is work depending. Success! (on target)
9. Last but not least a networth of $72,000. Cancelled this goal, I’ve stopped tracking this metric to focus on becoming 100% debtfree.
10. Visit Cape Breton  Cancelled this goal, for this year
12. Go to East to West music festival in Moncton, NB Festival got cancelled! 😦
13. Go camping in the Magdalen Island for a week Cancelled in lieu of other travel plans!
14. Get up at 08:00/08:30 five days per week. Success!
15. Lose 30 for 30. Success!
16. Track food and  journal exercise daily. Success!
17. Go swimming once a week (incl. in gym membership) Fail.
18. Complete c25k a second time by April 30, 2015 Success!
19. Start weighing in weekly by June 30, 2015. Success!
20. Average steps per day 8,500 Success!
21. Read more: read 30 books this year. Fail
22. Wear out shoes, don’t buy more, reduce total amount of shoes owed. Success!
23. Complete the #100happydays challenge. Success!
24. Finish two bible studies. Success!
25. Keep track of these goals weekly here. Fail.

All in all I am well on track with my goals and there is definite improvement year over year versus where I started back in 2008! I cancelled several ideas I had at the start of the year as my priorities and finances have changed. Adjusting is good!

The most notable improvements this year have been in my health and routine, I wake up at a normal time, work at a normal time, and am asleep around midnight. I no longer struggle with not getting enough daylight! It has been 2,5 years since I stopped night and overnight work (which I did for a few years) and this took the longest time to adjust. I weigh less than I have in several years, at 155lbs I am back to a healthy bmi! Am more active and eat much healthier than I ever have before. I also feel better than I ever have before in my life… 🙂


Just got that email today, I’ve been using these apps since June 24th.  I purchased a Garmin chest strap to go along with my vivofit2 for tracking my heart rate on my bike rides, so those aren’t included in that and I’ve long since stopped tracking my number of rides. My activity level is about double of what it was about a year ago.

I go out on the trails about twice a week on average, some weeks three times, and have been doing that since the end of June. I completed c25k a second time somewhere in July, I don’t recall the exact date I did it but I just started running one day and did it without any planning for it, felt amazing afterwards and wasn’t sore at all. I’ve continued working on biking and walking stamina and endurance since then. Last night I did a two hour trail hike with Bob and carrying a 3/4 loaded 40litre back pack, for fun. Am I turning into an outdoorsy person?

2015-10-03 20.23.18

Some of my goals in hindsight didn’t work out, but such is life. I hope to pick up on the blog a bit more over the next months, and as I quit one of my jobs this weekend, I should have more time now too, yay!

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. ;)

One thought on “A fall financial check up!

  1. Thanks for the mention. Your summer sounds more interesting than mine. 🙂 I’m glad you decided to quit one of your jobs, assuming it’s not giving you any net benefits personally. Life is too short to be doing something we don’t overall enjoy. What is Lose 30 for 30 by the way?


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