Give Me Back My Five Bucks

Q3 Review: 2013 Goals

This has been an interesting year so far. I wasn’t sure how I thought I was going to increase my salary, while decreasing my freelance workload… but I thought I could figure it out. Clearly, based on my results so far below, it hasn’t worked out in my favour.

What I have learned is how much I’m enjoying having free time. My schedule is still busy, but not working until 2am every evening has helped me achieve many goals this year, as well as strengthened friendships with people that are really important to me. Field hockey has become a bigger part of my life again (playing 3-4 times/week), and I’m finally starting to run the distances that I’ve always wanted to run. So, I think I’ve hit the right balance in terms of work/play, but I’m missing the income generated from work/work. :)

Anyway, below is my progress so far on my annual goals.


  • Earn $85,000 to $90,000NEEDS WORK. This goal is fading, and fading fast. Realistically, I don’t think I’m going to make this goal. I scaled back my freelancing and blogging a lot this year. Still. I did pick up a few freelance writing contracts – including a couple of feature pieces for the Toronto Star – so that will help. But I think I’ll end up around $75,000.
  • Put an extra $2,500 onto the mortgageON TRACK. I lost one month of increased payments because the bank took a long time to process my request, and then they couldn’t do it until the billing cycle lined up properly. But I’m back on track and averaging around $220 extra each month.
  • Save $16,000 in my Retirement PortfolioNEEDS WORK. I just increased my auto deductions, and am looking to ramp them up again for next year… but because I was so far off my income target, this was the one category that suffered.
  • Diversify my investments. CHECK! Go, Questrade!
  • Start contributing to charity. CHECK! I’ve decided to contribute monthly to WaterCan.


  • Go on one big tripCHECK! I’ll be headed to Morocco at the end of October for about 2 weeks, and am really looking forward to it. I’ve budgeted just over $2,000 for the trip (which includes a 10-day group tour with Intrepid Travel), which I think should be more than enough.
  • Run in a half marathon and two 10km racesCHECK! I’ve already run two 10km races (with a PB of 49:59), and have two half marathon races coming up – one this coming long weekend in Victoria, and another one in late November in Stanley Park.
  • Take a French language classFAIL. Since Nic and I broke up, I’m less interested in learning French. But that being said, I do still think it’s a valuable skill to have – especially in the industry that I’m in. There are so many jobs that require a second language… so perhaps I should make this more of a priority next year.


  • Invest in a grown-up wardrobeCHECK! Since realizing how much I’ve actually spent so far this year on my wardrobe, I’ve drastically reduced my shopping. That being said, I’m still happy with everything I’ve purchased and I think I look a lot more professional.
  • Read 6 marketing books. ON TRACK. Okay, technically I’ve only read one book on social media. But I think that since I’ve been watching a lot of business and marketing-related documentaries, they should count for something. Right? Right.
  • Scale back my freelancingCHECK! Do you love how one of the only goals I’ve actually completely achieved so far this year is my goal of doing less? :P I do think I need to step up my freelancing a little bit (because my lofty financial goals have suffered as a result), and I’ve started bringing my hours back up… but it’s a bit too late for that now. I’m going to have to seriously evaluate what I want for next year.

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. dojo says:

    Well, it does look pretty well. Many things are on the right track and those that are not ‘checked’ are not that important now or very close to your initial estimate. Keep up the good work, there’s still a big chunk from this year left ;)

  2. I know what you mean! I scaled back trying to make more money on the side because I wanted to concentrate on enjoying life, but I’m not going to meet my income goals. So, already thinking of ways to scale up my side income.

  3. alexislives says:

    Congrats on your progress on your goals. One of my goals for the year was to create a more professional wardrobe. I’m on track, but still have a little ways to go.

  4. Jordan says:

    2 out of 3 commitment categories checked off with only the Income lacking slightly: Not bad! Making around CAD75K per year isn’t too shabby but that retirement fund may need more attention & effort. Still, that’s a long term project – one that can’t be learnt & perfected overnight.

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