It doesn’t seem that long ago that I was writing a post about how awesome a year 2017 was for me: 365 Days to a New Me (or How I Kicked Butt in 2017). But it was, in fact, about 365 days ago.

How life can change in that amount of time!  In 2017, it changed for the better.  In 2018?  Not so much.

Of course, 2018 wasn’t the worst year for me ever (that would be 2012, the year I lost my brother to suicide).  But boy, was it a let down after 2017.

Where It Went off the Rails

From the perspective of those likely reading this post, me making the last payment on my student loans on May 4th would have been the highlight of the year.  It was the culmination of a 16 month journey to pay off almost $60k in debt and, as you can imagine, it was a pretty cool thing to do.

The problem was that I had been so focused for so long on this goal, that when I finally accomplished it, it left me feeling a bit hollow.

Money may be hard but health is way harder.

I did stay debt free for the remainder of the year and I maxed out a Roth IRA and an HSA which is all good.  However, as I wrote in Financially Independent But Not Healthy Enough to Enjoy It, money may be hard but health is way harder.

In 2018, I may have gotten my finances in shape, but other aspects of my life were still a mess.

I Forgot to Do the Work

I am sad (although not surprised) to write that for many months after that post was published I continued to make excuses as to why I didn’t have the time to exercise or to plan healthier meals. It wasn’t until the end of November that I started going to the gym again regularly and—shocking, I know—I have felt both more energetic and happier since.

That leads me to what I consider the better thing to have happened to me this year, and it was something that happened in just the last few weeks.  What was it?  Moving from the “I want to change and my life to be different” mindset to the “I will change and my life will be different” mindset.

What the heck does that mean?

After such amazing growth and success in 2017, I thought 2018 would be even better. Silly me, I forgot I needed to do the work to make it so. Read how complacency was a barrier to growth for me and how I am going to not let it limit me in 2019! #GrowthMindset #GoodLifeBetter

Well, as I have written about previously, I am a proponent of the “Stages of Change” model of behavior change.  That model states there are five stages someone goes through before they change their behavior.  These stages are: pre-contemplation; contemplation; preparation/determination; action; and maintenance.

In the last few weeks, I realized that my progress and growth in 2017 made me complacent about my ability to make my life better.  I had forgotten to do the work, letting myself get distracted by career drama, this blog, the economy, etc.

In a nutshell, I had forgotten what made 2017 such a great year: I had worked really, really hard to make it one.

I had read a ton of books—and not just ones about personal finance and blogging strategies—and spent time reflecting on what I had read and how it pertained to my life, incorporating what resonated.

I had also learned to live differently than I had previously so I could funnel money toward my debt-payoff.  This challenged me to not just be creative, which is itself a wonderful thing, but to also live outside my comfort zone (i.e., Target, TJ Maxx, Home Goods, etc.).

Finally, I had started this blog, which demanded I learn so much in such a very short period of time, and introduced me to an amazing new group of people, some of whom I have even met in person!  (Note: if you are thinking about starting a blog, check out my friend Pete’s post on how to do so over on Do You Even Blog).

Take Two (With a Bit More Humility This Time)

In 2018, I let busyness substitute for action.  I tricked myself into thinking I was in the maintenance stage of the Stages of Change model when, in reality, I had gone from the action stage back to the pre-contemplation and the contemplation stages.  Sigh.

Well, no more.

While I am still working out my exact plan for 2019, I have a general idea of where I will be in another 365 days (see, I said “will” and not “want to be”!).


In 2019, I will max out all my tax advantaged accounts (401(k), Roth IRA, and HSA) and save $16,000 in an emergency fund.  Even at my higher-than-middle-income salary, the emergency fund goal might be a stretch.  However, since I know I like a good challenge, that’s the number I am putting out there.


In 2019, I will exercise 3-4 times per week including some strength-training, eat less, and lose weight.  How much I want to lose is between me and my scale but I promise you it’s a challenging—yet realistic—amount.


My career was a giant energy suck for me this year and I have no one to blame for that but myself.  As I wrote in More Career Advice I Wish I’d Gotten In My 20’s, if it’s a choice between good people and good work, choose good people.

Because I really liked the actual work I was doing, I put off thinking about how other changes in the office were weighing on me.  When I didn’t get selected for a promotion in August that would have let me keep doing that work in the city in which I want to move to, I could no longer ignore what was happening.

So, in 2019, I will find a new job I like in an office that is well managed.  The job will have comparable pay and will be in the city I want to move to.

My Theme for 2019?  Action

As I’ve shared elsewhere on this blog, I am a huge fan of Gretchen Rubin who wrote, among other books, The Happiness Project and Better than Before She co-hosts a podcast with her sister that I listen to regularly and on the most recent episode, they talked about picking a theme for the year.

As you can imagine, I didn’t have too much difficulty in coming up with my theme for 2019: action.  It’s what was missing in 2018 and why it was such a stale year compared to 2017.  It’s also what is going to make writing a post 365 days from now so much more satisfying.

Tortie kitten

What’s your word of the year?  Why?  Let me know in the comment section below.

P.S. I saved the best thing to happen to me in 2018 for last—who could resist that face!

© 2017-2019 Good Life. Better.

2018: What the Hell Happened


  1. “Year of action”. Go Jenny! Can’t wait to read the summary in a year from now.

    I dubbed this “the year of discomfort” for me. It sounds depressing, but it’s not! I just know I need to do a lot of uncomfortable things this year to make progress I want to see, and owning up to that up front actually gives me the strength to face it. Here’s to 2019! P.S. I LOVE the clean slate effect.

    • goodlifebetter Reply

      I like that (the theme of discomfort)! It is important (although not always easy) to be okay with a sense of unease every now and then. Expecting it because you know you will be taking risks will help you manage it better when it happens. And I’m glad the clean slate metaphor worked for you. Cheers to an awesome 2019!

  2. Sorry to hear that 2018 was a blah year for you. I, too, struggle with maintaining my health when life gets stressful, and getting fitter is a priority for the coming year. But I would cut yourself some slack: sometimes it can be hard to hit a major goal — congratulations on paying off the student loans! — and find a new motivation right away.

    I’m still working on a theme for the year. I’m glad to see 2018 in the rear-view mirror and to get a clean slate in 2019. I know it’s only been a few days but so far, so good. Best wishes to you and look forward to reading more about your progress!

    • goodlifebetter Reply

      Thank you–that means a lot! Good luck picking a theme. If you listen to the Biz Chix podcast, the most recent episode was all about that. I would check it out!

  3. Go Ladies…

    For 2019, my theme, Power word is Growth! It’s time for growth, moving forward for next level progress in all areas of my life. .I’m still mapping the plan for this, though I know I’m going to live it…

    Peace, blessings & lots of love Ladies for 2019.

    • goodlifebetter Reply

      That’s a great theme! I think you’re going to have a great year!

  4. Great and inspiring post Jenny! I’m right there with you. Big challenges, changes and efforts in 2019, but I’m IN ACTION too. I look forward to comparing notes on our progress! Maybe at FinCon19 this year. It will be my first!

    • goodlifebetter Reply

      That’s great, Jim! I would love to meet up and compare notes at FinCon. That means 9 months for us both to Do. The. Work. 😁

  5. I like your Year of action theme! That was my theme in 2018 without realising it! My 2019 theme will be the year of reclaiming my time – I will be making small changes in all aspects of my life rather than make grand resolutions. All the best for 2019 – I look forward to reading about your progress 🙂

    • goodlifebetter Reply

      Thank you! I like your theme too–it sounds like you’ve really thought it through and know exactly why it’s the best one for you right now. Here’s to an awesome year for both of us!

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