2020 Q3 Goals – Accountability, Check in, and Biking

Financial Independence Goals for 2020 Q3 snapshot

  1. Max out my Roth IRA, 401k and HSA contributions = monthly deductions mean this happens automatically!
  2. Build up my emergency savings to 6 months/~$18,000 = $12,300 in current emergency savings and $7600 in savings for car/computer/travel/phone
  3. Save 50% of my income = less than 50% of my gross income and about 67% of my net income (only one month so far this year under 50% net income not including business income)
  4. Don’t renew housing lease end of July (no rent spending 8/1 onwards = change of plans. We have renewed our rent with our current house as travel and house sitting is not a good option right now. I will continue to use house sitting as an option for potential low-cost travel. I love looking for new listings weekly on Trusted Housesitters. You can use this link to get 25% off a membership at Trusted Housesitters: https://www.trustedhousesitters.com/refer/RAF286731/

I’ve readjusted my budgeting for the next three months based on my 2020 goals and my past spending for the year. No surprises that I’ve already maxed out my groceries category for the year as my ‘goal’ was too tight and not realistic for my current lifestyle. I’ve increased my budget for gifts, groceries, household and clothing, and misc while decreasing my budget for health, fitness, education, and transportation. My budget categories of eating out, travel, entertainment, housing, phone, and charity remain the same.

Notable spending:

  1. I bought a TV for the first time in my life! Our old one (that I got for free) was slowly dying and it was time to replace it.
  2. I paid to have my taxes prepared this quarter. It was completed towards the end of the extended deadline.
  3. We received nearly one month’s credit for this billing cycle for our auto insurance.
  4. We took a mini vacation to stay in a tiny home for the weekend!
  5. I bought clothing for the first time all year (2 shirts for me, 1 for my partner, and 1 for my Dad).
  6. I got my first haircut/highlights since March. I’ve since added thinning shears to my hair tools so I can better upkeep my short hairstyle between professional visits.

Fitness

Here are my fitness stats for Q3 of 2020:

  1. Biking: 334.8 miles
  2. Pole classes: 13
  3. Other activities: Gardening, Beach Body Workouts!

Health goals 2020
1. Full P90X for 90 days! We did it! woot woot.
2. Lose 3% body fat (I went from 26% to 29% using the BodyScan measurement 01/19 to 06/20). Nailed it! I am down to 26.5% bodyfat
3. 5+ pull-ups any format (I purchased a secondhand pull-up freestanding bar) and can currently do 4 chin ups, 3 pull-ups, 1 wide grip pull-up, 3 narrow pull-ups. I have done 9 chin ups, 6 pull-ups, 3 wide grip pull-ups, 5 narrow pull-ups and have plans to get to 10 chin ups!

New Health goals 2020/2021:

  1. 10 chin-ups in a row
  2. 30 push-ups in a row
  3. 10 narrow push-ups in a row with top form
  4. 2 pole classes/week
  5. Pass intermediate inversions test by my birthday (1/22)
  6. Finish floorwork series by end of 2021 (beginner, intermediate, advanced)
  7. Improved pike/splits stretches
  8. Handstand?

Writing Goals for 2020:

  1. Deplete my physical book inventory = Since there aren’t opportunities for in-person events, I’ve been running giveaways each quarter.
  2. Break even on Ataxia and At One’s Beast = I met this goal in Q1!
  3. Revamp my website = I haven’t made any substantial changes to my website yet
  4. Write 4 short stories = I wrote 2 short stories thus far for two separate anthologies. The second story was published in the The Lost Train: An FVP Books Anthology
  5. Send out 4 newsletters = I’ve sent out 2 newsletters so far this year and will send out my third shortly.
  6. Publish a new coloring book = Haven’t made any progress on this goal yet. I’m still deciding on the subject material.
  7. NEW GOAL: Finish outlining my new novel “Two for Tiny” and begin writing.

Deception Pass Day Trip with one of my favorite masks

Local author Ksenia Anske’s long awaited book she started writing on the Amtrak!

Physical copies of my books are still available at the Neverending Bookshop in Edmonds


What are your goals and how are you meeting them?

2020 Q2 Goals – Accountability, Check in, and an Uneventful Spring

Financial Independence Goals for 2020 Q2 snapshot

  1. Max out my Roth IRA, 401k and HSA contributions = monthly deductions mean this happens automatically!
  2. Build up my emergency savings to 6 months/~$18,000 = $10,200 in current emergency savings and $5800 in savings for car/computer/travel/phone
  3. Save 50% of my income =
  4. Don’t renew housing lease end of July (no rent spending 8/1 onwards = change of plans. We have renewed our rent with our current house as travel and house sitting is not a good option right now. I will continue to use house sitting as an option for potential low-cost travel. I love looking for new listings weekly on Trusted Housesitters. You can use this link to get 25% off a membership at Trusted Housesitters: https://www.trustedhousesitters.com/refer/RAF286731/

Here is an updated snapshot of my budgeting goals and how I’m meeting them. Red indicates going over the monthly budgeted amount and green indicates staying under.

Notable spending:

  1. I bought a used ebike for personal and business use! $1000
  2. I supported an IndieGoGo campaign for a few hundred dollars
  3. I tricked out my garden DIY style ~$200
  4. I bought a garage fridge for $220
  5. I bought a pull-up freestanding bar and under-desk elliptical and inversion bench used for $195 total
  6. I spent $75 on a 4-week nutrition and health program

Fitness

Here are my fitness stats for Q2 of 2020:

  1. Biking: 36.5 miles
  2. Pole classes: 1
  3. Stretch classes: 7
  4. Other classes: 4 Pilates classes, 3 handstand conditioning classes, 1 Alexander Technique class
  5. Other activities: Gardening, Beach Body Workouts!

Health goals 2020
1. Full P90X for 90 days!
2. Lose 3% body fat (I went from 26% to 29% using the BodyScan measurement 01/19 to 06/20)
3. 5+ pull-ups any format (I purchased a secondhand pull-up freestanding bar) and can currently do 4 chin ups, 3 pull-ups, 1 wide grip pull-up, 3 narrow pull-ups


Writing Goals for 2020:

  1. Deplete my physical book inventory = I sold and gave away several books in January and February but still have significant numbers of print books left. I will perhaps run more giveaways or do something creative like sell a book along with a free ARC reading or x amount of words edited.
  2. Break even on Ataxia and At One’s Beast = I met this goal in Q1!
  3. Revamp my website = I haven’t made any substantial changes to my website yet
  4. Write 4 short stories = I wrote 2 short stories thus far for two separate anthologies
  5. Send out 4 newsletters = 1 sent out 1 newsletter and am working on my Q2 newsletter this week
  6. Publish a new coloring book = Haven’t made any progress on this goal yet. I’m still deciding on the subject material.

Here is a list of my accomplishments for Q2:

  1. Run a giveaway
  2. Sell more print books (half of what I currently have in inventory)
  3. Give out review copies of books
  4. Redo all interior files for Seize the Donut, At One’s Beast, Ataxia and push to all marketplaces
  5. Create another niche coloring book
  6. Read 25 books
  7. Write 6 book reviews on my blog
  8. Create a promotion and marketing plan for the rest of 2020
  9. Write 1 short story
  10. Send out 1 newsletter

The view from 520 Bridge as I bike home from Seattle on my new e-bike!

My first forage in the PNW! Juneberries, Huckleberries, and Salmonberries

My favorite new breakfast! Grilled Portobello mushroom with egg and cheese on a bed of spinach surrounded by strawberries

 


What are your goals and how are you meeting them?

2020 Q1 Goals – Accountability, Check in, and Future Uncertainty

I’ve decided to move from monthly updates to quarterly updates… Here is quarter one 2020 update that encompasses January – February – March.

Financial Independence Goals for 2020

  1. Max out my Roth IRA, 401k and HSA contributions = My HSA contribution is deducted automatically from my paycheck every month and my Roth IRA is automatically transferred at $500/month
  2. Build up my emergency savings to 6 months = I have just under 6 months emergency savings currently if I were to only spend $2500/month. I want to build this up to $18,000 by the end of the year
  3. Save 50% of my income = Due to travel in February and the yearly car maintenance in March I have spent 79% of my income, however; I moved all my business/secondary income outside of these calculations and if I were to add that back in I have spent 70% of my total income from all sources. Subtract again my HSA (part of my savings plan) and the amount spent is closer to 66%. Q2 should be even closer to 50% as I won’t be doing any leisure traveling or have extra car expenses.
  4. Don’t renew housing lease end of July (no rent spending 8/1 onwards = this is a new goal that I’ve already started preparing for by gathering a list of friends and family who are willing to host myself and my partner starting August. I will also be working on a combined post-housing budget and look at our finances together. We have already joined TrustedHousesitters and had our first house sit and are now verified. Closer to the summer I will start applying to house sits starting August and planning out our travel and where and who we will be staying with.
    You can use this link to get 25% off a membership at Trusted Housesitters: https://www.trustedhousesitters.com/refer/RAF286731/

Here is an updated snapshot of my budgeting goals and how I’m meeting them. Red indicates going over the monthly budgeted amount and green indicates staying under. I have also shifted the budgeted amount going forward from previous Q1 spending over/under amounts.

Notable spending:

  1. AAA membership $138 for myself and my partner but we share 1 car so now that I think about it, it doesn’t make sense for both of us to each have an account and perhaps I can transfer to another family member or cancel one of ours and get some of the extra cost back.
  2. Health category has ballooned as I have increased the amount of supplements I’m taking and storing as a precaution. My recommendation is to have a 3-month’s supply of all supplements, prescriptions, and medications where possible.
  3. My grocery/eating out spending was significantly low in March due to categorizing all ‘eating’ expenses while in Mexico under ‘travel’
  4. My gifts category is high because I sent money to my family
  5. My partner and I spent $1041 on car maintenance (he got us a discount and I got them to take off some labor costs for several hundred in savings from the dealer – always check the invoice!)

My business earnings have significantly decreased due to the COVID-19 and has since reinforced my determination to find more passive income sources and work-from-home earning potentials. Some of my mystery shops and usability studies are available online but most of my income came from cat sitting and dog walking. When I have the mental motivation I will check out editing/ARC/reviews as a secondary source of active income.


Fitness

Here are my fitness stats for Q1 of 2020:

  1. Biking: 16 miles
  2. Pole classes: 8
  3. Stretch classes: 2
  4. Other classes: 1 Booty class, 1 boot camp class, 1 Boudoir class
  5. Other activities: 1 soccer game and several soccer practice sessions

What are my fitness goals for 2020? A new fitness/health goal each month… Sigh. I made a general goal that isn’t very useful and I’m going to scrap it.

Fitness goals 2020
1. Stretch class 1x/week and stretching 10-15 minutes at least 4x/week
2. Ab exercise 4x/week
3. Cardio exercise/class 1x/week

Potential weekly fitness schedule:

Monday 4/6

Tuesday 4/7

Wednesday 4/8

Thursday 4/9

Friday 4/10

Saturday 4/11

Sunday 4/12

Handstands exercises and conditioning 15 minutes

Abs 5 minutes

Cardio (biking, boot camp, etc) 15+ minutes

Pilates 60 minutes

6pm-Divine Stretch class 60 minutes

Abs 5 minutes

Lower abs 7 minutes with 1 minute timed ARAP sit ups: Lower abs workout for strong and clean pole inverts (8min follow along)

Cardio (Boot camp, biking, etc) 15+ minutes

Pilates 60 minutes

Weights

Abs 5 minutes

1pm-Divine Stretch 60 minutes

Cardio (biking, boot camp, etc) 15+ minutes

 


Writing Goals for 2020:

  1. Deplete my physical book inventory = I sold and gave away several books in January and February but still have significant numbers of print books left. I will perhaps run more giveaways or do something creative like sell a book along with a free ARC reading or x amount of words edited.
  2. Break even on Ataxia and At One’s Beast = I met this goal!
  3. Revamp my website = I haven’t made any substantial changes to my website yet
  4. Write 4 short stories = I wrote 1 short story so I’m on track for this goal
  5. Send out 4 newsletters = 1 sent out 1 newsletter and am working on my Q1 newsletter this week
  6. Publish a new coloring book = Haven’t made any progress on this goal yet

Here is a list of my accomplishments for Q1:

  1. Ran a birthday giveaway
  2. Sold several print books
  3. Had 1 author tea date
  4. Sent beginning of year newsletter
  5. Wrote a short story for the WCPNW anthology
  6. Redid my interior files to fix a typo and editing issue from For the Love of Donuts Book 1
  7. Wrote 6 book reviews on my blog
  8. Read 12 books

Here are my goals for Q2:

  1. Run a giveaway
  2. Sell more print books (half of what I currently have in inventory)
  3. Give out review copies of books
  4. Redo all interior files for Seize the Donut, At One’s Beast, Ataxia and push to all marketplaces
  5. Create another niche coloring book
  6. Read 25 books
  7. Write 6 book reviews on my blog
  8. Create a promotion and marketing plan for the rest of 2020
  9. Write 1 short story
  10. Send out 1 newsletter

Enter my Q2 giveaway HERE:


Green GF pancakes for St. Patrick’s Day Breakfast

GF homemade pizzas with a mix from my favorite section in the grocery story (the squished can section)


What are your goals and how are you meeting them?

2020 January Goals – Accountability, Check in, and Birthday Freebies!

Financial Independence

First month of the year and I have budgeted $2589 per month. I spent $3006.75 because I prepaid for my flight and half an airBnB for 9 days in Mexico City. I have budgeted $300/month on ‘travel’ and I put $100/month into my Savings goal in Capital One for ‘travel.’ This account currently has $1704.80 so I moved the $940 I spent from that account and back into my general emergency savings fund in Capital One which leaves a balance of $767.14 for travel. I moved the money into emergency savings rather than use the money directly for paying the plane ticket and housing costs because I had some excess cash in my checking account already to pay for these travel expenses. I don’t plan on many more travel costs for the Mexico vacation because I plan to put food costs into my eating out/food budget and anything that isn’t directly travel related into their respective budget categories for the month.

I bought a year’s subscription to Trusted Housesitters, a website where you can find houses to sit or conversely for people to sit your house and watch your pets while you’re away on your own vacation and trip. You can use this link to get 25% off: https://www.trustedhousesitters.com/refer/RAF286731/

I had to renew my driver’s license (cost of $78 cash for my enhanced renewal) which was absorbed into my transportation budget category

I signed my updated will (cost of $30 at Pony Express).

I still managed to earn $120.23 this month that wasn’t related to my business.

I continue to spend more than I want to for food – both eating out and groceries. I only spent $46.41 eating out (we went out many times but it was covered by mystery shopping). I spent $479.20 on groceries. I have been keeping a close eye on what I spend for food, but we often splurge at the grocery store for unnecessary items (ice cream) or new and exciting items (Thai chili Doritos). I do save money by going to Grocery Outlet and combing through my favorite squished cans section and making bulk meals with ingredients like rice and dried beans. Part of the issue is my partner and I both love trying new foods and eating a variety of different meals. We don’t eat the same thing every week. I did spend an average of $763/month on food last year, so just reducing that number down closer to $500 is a win and will end up saving me nearly $3000 in a year. Ultimately my conservative budget of $400 is not going to be easy or very realistic for our current lifestyle (I buy most of the groceries and half of the bill when we eat out).

One way I decrease my spending is to not pay money for what I will already spend money on. For instance, I like to eat out several times per month and I get to do it for free or nearly free through Mystery Shopping. We went out to eat 3x for mystery shops which cost me $19.86 plus my time. I also recently was hired as a trade at one of my dance studios where I get paid to clean the studio in class credit. I have already saved up enough for 6 classes! We are also working on reducing our rent and housing expenses to $0 after our lease is up in July with house sitting. Finally, it was my birthday last month and I was able to get a free specialty pancakes from Ihop ($8.99 value), a free coffee from Starbucks (a $6.77 value), and a free pastry from Panera (a $2.49 value)

My business earnings for January were $546.24 (as some payments were pending and didn’t clear until February so the next month will show a much higher earning). I’m not sure what I will be paying in taxes so I will plan to set aside at least 30% of all that money and put it into my savings account at BECU, to save around $500 to have in the account at all times to pay for expenses. I did spend $27.75 on a bus card refill as I sometimes use the bus to get to clients’ houses when it’s snowing. A bus costs $2.75 for unlimited rides within a 2-hour window so I can usually pay once for a round trip. I opened up a BECU business checking account at the end of last year to use for my business financials because they have ATMs (I sometimes get paid in cash) and they don’t charge fees.


Fitness

I started stretching every day in late December and have continued every day (minus one day where I was in a pole class). I follow this Blogilates video and spend anywhere from 10-15 minutes doing these stretches after  completing her 2020 challenge! After finishing this challenge I went back to the 100 abs a day challenge from last year and am currently on day 15. It’s amazing the noticeable progress I can see with 6 weeks of daily targeted stretching! I can almost place my palm on the floor when trying to touch my toes (from just barely touching the floor with my fingers before). I’m not sure my pancake or splits stretches have made much progress but I’m absolutely thrilled with my hamstring flexibility progress! I have also unfortunately mildly injured my right upper leg/lower butt? I’m not sure what I injured exactly as normal walking or bending over doesn’t make it hurt, but pushing my right hip up and out makes it flare up right below my butt and when I do the pancake stretch it hurts in that area. Now I cannot stretch my pancake but do the legs one at a time and gently stretch that side.

Here are my fitness stats for the month:

  1. Biking: 10 miles
  2. Pole classes: 3

Writing

  • I sent out a 2019 summary and 2020 goals newsletter
  • I signed up to write a short story for my writing group’s next anthology (haven’t written it yet)
  • I sold 12 print books from my inventory
  • I ran a giveaway and gave away 2 Donuts Books, 2 of Nichole’s Book of Practical Things, and 2 Vanessa’s Book of Awesome Things
  • I read and reviewed 2 Indie books

Don’t forget to come visit me this February at the following event:

Come see me and get all of my novels this Sunday from 12PM – 1PM at the Enso Center Winter Marketplace! The event goes from Saturday to Sunday, but I will only be there for a limited time on Sunday. All four of my novels will be on sale for just $10 each.


Since my partner and I plan to move out of our house at the end of June and stay with friends, family, or in house sits we have to par down our belongings. This means that I have lots of items to sell and donate! I have to say goodbye to my glass jar and box hoard. We are Tidying Up!

Here is a picture of my homemade (from a gluten free squished bag chocolate baking mix) and cheesecake frosting with Taro powder as coloring that I piped myself!


What are your goals and how are you meeting them this month?