Thursday, December 18, 2008

So little time and so much to do! AKA List items that WON'T get done.

As of today, there are only 209 days left to complete my list. YIKES! I know I've said it before, but it's time to buckle down. So far, I've completed 39/101 items. Not too shabby, really. So, a review and then I need your help!

Let's start with items I KNOW are not going to be completed in time:

#15. Weigh less than 150 pounds
- I've been quite lax in my diet and workout routine lately. I could blame the dog or the holidays or a busy schedule. The truth of the matter is I just haven't done the work. Those Biggest Loser people can do it in a mere 6 months, but they've got Bob and Jillian (and no jobs to go to or animals to attend to). Perhaps a good bout with the stomach flu could get me pushed in the right direction....or not.

#26. Get married or be planning my wedding
- HA! Enough said. After all, who wants a family when a puppy is so much work!

#32. Buy a new car
- Short of the wheels falling off of the one I have (which could totally happen), I'm pretty sure this isn't in the budget. For more insight, see #34 and #36 below.

#34. Pay off my credit cards
- I'm definitely making progress, but this is more a mountain than a molehill. I think perhaps it was biting off a bit more than I could chew to think I could do it in just 1001 days. If I win the lottery, it's entirely possible, but short of that, I think we're gonna have to chuck this one. For now.

#36. Have $XXX,XXX in my 401(k) plan
- HAHAHAHAHAHA Ohh. stomach hurts from laughing so much. When I started this plan on October 18, 2006, I needed to earn about 9.50% (taking into account my future contributions) in order to get to my goal. By the end of 2006, that number had dropped to 8.75%. That's certainly not impossible considering that I'm young and quite aggressively invested. In April of 2007, my company added a Roth 401(k) option to our regular 401(k). I took advantage and lowered my required earnings to 8.00%. It was definitely headed in the right direction! By the end of 2007 (beginning of 2008), I had received two raises (which raised my contributions as well as my employer's matching contributions), increased my deferral percentage and had a pretty great year of earnings. These factors all combined to drop the interest rate I need to earn down to a paltry 5.00%! Woohoo. I was well on my way and my plan seemed to be working. Enter economic meltdown. Despite raising my contributions again (all those stocks are on sale right now, so I had to snag them up!) and getting yet another salary increase, the 38% loss I've taken this year really hurts. As of Monday, I need to earn 92% from now until next July in order to hit my goal. HAHAHAHA I think I've got better odds in Vegas!

#37. Have 9 months of earning in my savings
- I've done a pretty good job of saving consistently, but I think this one might still be a bit out of my reach. Again, a lottery win would definitely push me over into the success category.

#68. Take 3 photography classes
- Unless they are VERY brief classes (perhaps a one day seminar?), I don't think this is gonna get checked off of the list. And I really wanted to do it too. Darn.

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