2018. OMFG. Apologies but I just can’t get over how fast 2017 went by. It wasn’t the easiest of years nor the hardest, but it was as wonderful as it was a pain in the ass.
Looking back on the objectives, goals, resolutions, aspirations or whatever you want to call them for 2017, I can honestly say that they didn’t all get done and I didn’t put a hundred percent into them either.
I blame stress.
The stress of living with the parents whilst building a house. The entire house construction process that just went 30% over budget and twice the length of time it should have been built in.
In 2018, I need to change focus.
Yes, there is still a massive list of things I want to get done and achieve but there are two more important things too.
- Invest in my health, wealth and fitness.
- Finish the things I’ve started before taking on new projects.
What does that mean for the year?
Well, I have several blogs that I’d like to make profitable. If others can, then I can too. Most of them are sitting stagnant and stale, unloved and neglected. It’s time to spruce things up and have fun with them instead of taking it all too seriously.
In my ‘work in progress’ folder, there are three nonfiction books and four fiction books that need to be finished because there are a dozen other ideas floating around my brain – yes there’s a folder with a list of them all.
What does investing in my health, wealth and fitness mean?
Marathons. Triathlons. etc.
I function better if I train physically. Unfortunately, excuses got in the way in 2017. Like wanting to spend more time with my son who is growing up so fast. It also meant spending a ton of time organising things to get the house built. Trying to finish an advanced diploma for work. Commuting. Working. You know, all the living jazz.
How are things going to be different this year?
Well, for starters I’m going to spend less time watching Netflix and playing on my phone. I’m going to ensure I’m more conscious about keeping a clutter-free home and work area. Sweating the small stuff has to go. Waking up earlier is a goal. I already get up between 5 and 5:30 every morning for work but I want to do things for me before that time so working up to getting up at 4:30 am is a good idea. That means I’d have to go to bed at 9:30 pm each night.
When there is a never-ending list of things you want to do and you still have to work full time, sleep is the one thing that often gets compromised.
There are also a few bucket list items that I’d love to cross off the list this year.
* Finish building our house
* Run a sub 4-hour marathon
* Throw a dress-up Halloween party
* Do 20 unassisted pull-ups
* Make an income from blogging
* Write and publish a non-fiction book
* Join a triathlon/masters swimming club
* Attend Toastmasters
* Make a regular income from my books
In the beginning of the year, it’s easy to get excited about goals and new years resolutions but the truth is less than 10% of people are actually going to commit to what they set out to achieve.
Life gets in the way. Priorities shift or they don’t have any priorities in the first place. Sometimes it’s easier to put things in the ‘too hard’ basket and forget about them.
I need to stop doing that. So do you if you’ve been struggling to achieve your goals. Remember goals are just dreams if you don’t have a plan to achieve them. It’s so easy to write shit down and forget about it within the hour – I do it all the time.
Writing down a list of things to you want to achieve isn’t going to help you achieve your goals. You need to work on changing your habits.
HEALTH & FITNESS
Weight loss and getting fit are probably two of the most popular new year resolutions. It’s easy to say I’m going to lose weight or I’m going to join the gym.
What happens after you say it?
Generally, you get excited for two weeks and by the end of the third week you’ve fallen off the bandwagon and left the new year goals to rot on a list in the bottom of a drawer.
A more effective goal might be to create a new habit of going for a 30-minute walk every morning. If you need extra motivation leave your workout gear by the bed or sleep in it until the walk or whatever exercise you choose becomes a habit. If you miss a morning, make sure to go on your lunch break or in the afternoon.
Money goals at the beginning of the year are also on the top of the list. We all want more money so that we can have more time to do whatever we please.
Put your hands up if you have expensive taste?
Yep, me too.
That’s why automation is great.
It’s so easy to go overboard with spending, especially when you can make a purchase with just one swipe of your credit or debit card.
Start the new year with automation.
Set up your bank account so that from the first paycheck of the year a portion gets automatically deducted to a separate savings account. This could be 1% or it could be 20%. Find a figure that works for you.
Start small and progress your way up throughout the year. The savings will be less of a shock to the system then.
It’s not important how much you start with, the important part is to start.
At the time of writing, there are 195 countries in the world.
How many have you visited? How many do you want to visit?
Travel doesn’t have to be unreachable. You can start at your own doorstep.
If you want to venture out further there are many options that can help you see the world.
Here are some great sites that will help you save on flights, accommodation, car hire and travel related expenses. You can see the world without spending a fortune.
Offers great domestic and international flight deals. Dates are strict but if you’re flexible with your holidays then it’s a great place to grab a bargain.
Accommodation around the world at affordable prices. Airbnb will allow you experience a city like the locals. There are over 100,000 properties to choose from. Where in the world do you want to go?
Flights, accommodation, car hire, travel packages. Find the best deals for your entire holiday.
Search for the best deals on hotels, flights, and accommodation around the world. Pay now, or pay later.
Some travel agencies like Flight Centre in Australia even offer payment plans.
Just whatever you do, don’t buy your holiday using credit. If you can’t afford it now, then you can’t afford to go on holiday. Simple as that. I keep telling myself that all the time!
I don’t know about you but setting goals is a habit of mine. Beginning of the calendar year, financial year and on my birthday, I set goals. So it’s only fitting that I share with you my personal and business goals for the next 365 days.
THE NAUGHTY INVESTORs GOALS FOR 2018
1. Finish house construction (2017 was tough, 2018 is going to be awesome).
Tough is an understatement. Things went wrong in too many ways. Now it’s time to get things on track and hopefully finish by Easter. Fingers crossed!
2. Eliminate all credit cards (like I said, 2017 was tough).
Building a house is expensive. We’re 30% over budget. Shit happens.
3. Save 12% of income
Emergency, travel, future, fun. Twelve percent isn’t much in the grand scheme of things but it’s going to have to be enough for this year.
4. Visit two new places this year
Travel is a priority. It makes our little family very happy so it needs to happen. Not sure where yet, the budget and house completion will dictate what we end up doing. One thing I’m certain of is that we do not want to pay for anything on credit.
5. Take the time to enjoy the small things
It’s so easy to forget the little things that are so important. An early morning cuddle, a quiet cup of tea in the afternoon, brunch with your closest friends, the birds singing, the sun shining, the smell of rain.
6. Spend more time with family and friends
As I get older, I’m becoming more social. Having a group of good friends is important to me. It’s quality over quantity in regards to the people, but I want to make sure that we make the time to see each other on a regular basis. No excuses.
7. Earn extra side hustle income
Who doesn’t want to earn extra income? I’m pretty sure Warren Buffet is still working on increasing his investment portfolio and he’s worth billions. I’d like my side hustles to match my day job income by the end of 2018. Whether that happens is all up to me. Blogging, freelancing, and books will be the primary focus. I’m aiming for an extra $2,500 per month by December.
8. Be consistent with writing and publishing (2 times per week at least)
Consistency was not my strong suit last year. In 2018, I want to change things and ensure that I’m creating every day. It might be a blog post, article or pitch, or one of my books. There are so many ideas floating inside my head and it’s time they are executed without BS excuses.
9. Swim in the ocean at least once per month or beach walk during winter
I had twelve days off over the Christmas break and the weather was awesome and I spent almost every day at the beach for at least an hour. I even managed to relax and forget about my minor woes for a few days which has been a relief. So now, every weekend I want to spend some time by the water. It might be a swim in the summer months and a walk along the shore in the winter. There’s just something soothing about the waves crashing on the shore, sand in between your toes and the sticky salty air on your skin.
10. Return to regular running and triathlon training
Slack is an understatement when it comes to my training. The stress of house building overtook everything and my training was minimal at best. 2018 will be better. I’ve already got three race events lined up so there’s no excuse not to train. Now it’s not about winning or placing. I’m only competing against myself. I love the training itself and the ability to ‘race’ is the icing on the cake.
They might not be the most audacious goals but they are sufficient for this year. I’m looking forward to 2018 being a productive, prosperous, fun and healthy year.