Reflecting on my goals for the year 2020

Despite this years repeated lows, cabin fever and almost completely missing the summer due to COVID-19 restrictions I still managed to meet many of my goals for the year which I set back in January!

So today I filled the last pages of my bullet journal, a beautiful Leuchtterm1917 in Anthracite (fancy name for grey), and I realised that despite this years repeated lows, constant working from home, cabin fever and almost completely missing the summer due to COVID-19 restrictions I still managed to meet many of my goals for the year which I set back in January!

My planned 2020 goals for the year:

  • Put a minimum of £1,000 into my Lifetime ISA (LISA)
  • Make overpayments on my debt consolidation loan
  • Complete the Reverse 1p Challenge
  • Renew my passport
  • Grow my email list to over 100 subscribers
  • Blog more regularly

I’m going to review these using the S.M.A.R.T. goals method and look at which I achieved, which I didn’t and why?

Specific – Was the goal specific enough?
Measurable – Was the goal measurable?
Achievable – Was the goal achievable?
Realistic – Was the goal realistic?
Timely – Did the goal have a reasonable time frame?

Put a minimum of £1,000 in to my Lifetime ISA

Specific – Yes, I set myself a specific minimum I wanted to deposit
Measurable – Yes, the amount deposited is measurable
Achievable – Absolutely
Realistic – As a minimum, it was totally realistic
Timely – 1 year, yep, that’s £83.33 per month, across the year.

Did I achieve it?

Yes, and then some, maybe I wasn’t ambitious enough… I added over £5,000 to my LISA this year. It’s important to note some of this was from a windfall early in the year, and that windfall did free up some of my cashflow allowing me to contribute more on a month-to-month basis.

Make overpayments on my debt consolidation loan

Specific – No, I didn’t specify an amount I wanted to overpay
Measurable – Yes, but without specifics what am I measuring against.
Achievable – Yes, but without specifics how do I know when I have a achieved my goal, after one overpayment?
Realistic – Making overpayments is realistic but again, this needs specifics.
Timely – 1 year, yep, that’s plenty of time to make plenty of overpayments.

Did I achieve it?

Yes, but only becuase of that windfall, without that I imagine, I can’t see how this goal would have been a winner, I didn’t make it specific enough. I should have set myself a specific monthly overpayment goal!

Complete the Reverse 1p Challenge

Specific – Yes, a defined number of pennies to save each day of the year, with an end goal of £667.95
Measurable – Yes, the money went into a Monzo pot where I could monitor it.
Achievable – Yes!
Realistic – Reasonably.
Timely – Yes, 1 year!

Did I achieve it?

Yes, in the next few days I will complete the challenge and I don’t see any reason I won’t reach this goal.

Renew my passport

Specific – Yes
Measurable – No, it’s either done or not.
Achievable – Yes!
Realistic – Yes
Timely – Nope, I didn’t give myself a deadline

Did I achieve it?

No, once Covid kicked-off in the UK it became a somewhat pointless goal with no deadline.

Grow my email list to over 100 subscribers

Specific – Yes, grow my email list to over 100 followers
Measurable – Yes, I started the year with close to zero followers
Achievable – Yes, i would need to add an average of 8.333 subscribers a month
Realistic – Yes, people have grown their list my much more in much less time.
Timely – No, I probably could have aimed for a higher number in a year, or aimed for 100 subscribers in a smaller time frame.

Did I achieve it?

Yes! Alongside my LISA goal, this was one of my biggest achievements of the year, I grew my list by over 600 subscribers! And I’m so grateful to each and every one of you!

Blog more regularly

Specific – No.
Measurable – No, there where no specifics or previous year to compare to.
Achievable – Perhaps if it were more specific and measurable.
Realistic – Yes.
Timely – No, I haven’t provided a timeframe for what is considered ‘more regularly’.

Did I achieve it?

Who knows!? This was my first year blogging, I have no previous year to compare to and no regular routine to improve on. I didn’t define what I meant by ‘more regularly’. My goal was not specific enough, not timely enough, not measurable and only vaguely achievable.

How was your 2020?

In a most unpredictable year where simply reaching the final weeks is an achievement itself, how was your 2020? Amongst all the events of the year, did you have any highs? Did you achieve anything you set out to do this year? Did your life take an unexpected turn for better or worse?

Let me know in the comments.


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