Give Me Back My Five Bucks

Q3 Review: 2012 Goals

It’s already October! The weather is changing, and I’m not too far away from turning the big 3-0. :) It’s been an interesting year so far, and although I would consider this to be somewhat of a break from working strictly on my finances, I think I’ve been able to accomplish a lot. Still, I’m looking forward to coming home in a few months and getting back on track with eliminating my mortgage and increasing my net worth.


  • Earn $70,000. In order to make this goal, at the end of Q3, I needed to be at around $52,500 – but I’m currently at around $45,000. I suffered from a serious decrease in advertising income, and I really struggled with how I wanted to monetize this blog. As my first full year as a freelancer, I could have done a lot better, but I’m still on track to make over $50,000 this year.


  • Travel. CHECK! By the end of the year, we will have visited about 20 different countries in Europe. I don’t know how to express how extremely grateful I am to have this kind of opportunity. It actually makes me feel really spoiled.
  • Go on a trip by myself. PASS. I was originally going to go to Ireland and Scotland by myself in August, but once I realized how much it would cost, I decided to scrap the trip in favour of a few less expensive trips to Eastern Europe. I’m giving myself a pass because I went to Toronto by myself, even though I was surrounded by friends and colleagues.
  • Learn basic German and French. I can understand some French if people talk slowly, and I have the basics of reading and writing… but I can’t really have a conversation with anyone. As for my German, I’m still learning through online tutorials – although admittedly I haven’t been working as hard as I could be.
  • Read 12 novels not related to marketing or personal finance. CHECK! So far this year, I’ve read 44 books! The long train rides are perfect for reading, and I’ve always been one of those people that will go without sleep in order to finish a book. :) I’ve also joined the website GoodReads, so if you’re on that website too, feel free to add me!


  • 2012 Canadian Personal Finance Conference. CHECK! What an amazing time. The conference went smoothly for the most part, and I’m happy with the feedback we’ve received so far. People seemed to really enjoy themselves, and I have to give a ton of credit to Preet, who did a fabulous job hosting and coordinating.
  • Write one guest post each month on another blog. FAIL. I’ve done a few blog interviews, and written one or two guest posts, but for the most part, I’ve been concentrating on my freelance clients.
  • Take all of my own photographs. So far I’ve been able to do this. It hasn’t been easy, but I plan on setting up a photo shoot sometime soon.
  • Post a new photo every day while abroad via Tumblr. FAIL. But on the plus side, I’m still updating sometimes, and I’m also now on Instagram.
  • Take on three steady freelance assignments. I actually lost a client due to cutbacks, but I’ve been able to make up for it with smaller projects, and an increase in advertising revenue from my two blogs. That being said, there’s still 3 months left in the year, so we’ll see what happens!

Author: Krystal Yee

I’m a personal finance blogger and marketing professional based in Vancouver. I’m a former Toronto Star (Moneyville) columnist, author of The Beginner’s Guide to Saving and Investing, and co-founder of the Canadian Personal Finance Conference. When I’m not working, you can usually find me running, climbing, playing field hockey, or plotting my next adventure.


  1. I cant wait for the day that I can do as you have and travel while earning and income. You truly do inspire people and I can only hope to be there soon.

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