A Time to Reflect & Move Forward

The holiday season is full of good and bad extremes. Traditions made to endure and traditions made to be broken. Some make us happy, some make us sad, and some are a bittersweet.

Spending time with loved ones that I regretfully don’t see enough of throughout the rest of the year? Outstanding. Gorging myself with delicious food and drink until I’m bursting at the seems? Sign me up (even if the after-effects are regretful). Spending a lazy afternoon on the couch watching Griswold Vacation or other beloved mindless entertainment. Guilty. Using a good chunk of annual savings to buy a bunch of shit that people don’t want or need and expecting your family to do the same for you? Well… like I said, some traditions are made to be broken. And de-commercializing the holidays is a tradition that we’ve successfully implemented in our families.

One thing I’ve really learned to cherish with the influx of free time around the holidays is that it presents an opportunity to disengage from the stranglehold that having a very demanding full-time job can have. I work with clients and when you work with clients, your clients own you and your time, often to an unhealthy extent. This leaves little time for me. But not over holiday break. I typically take two weeks off, because most of my clients do the same.

setting goalsThis free time off allows me time to reflect on where I am at, where I want to go, and actually gives me an opportunity to work towards those things, versus the normal 2-day weekends that are mostly filled with chores and writing posts for this blog.

My holiday breaks are typically anything but a “break”. But two weeks of sitting around and doing nothing but eating and buying stuff is not in my bones – so I wouldn’t have it any other way.

It typically starts with me creating one giant to-do list of things I want to accomplish. As a married man, much of it is in coordination with my spouse. And it looks a little like this:

1. Career:

What better time to take stock in how the previous year went, discuss short and long-term career goals, and game-plan together what our next moves are?

My work situation has been fairly static over the last few years, but in the event something changes, I want to be prepared. And my wife has made a number of career moves, including going back to school and starting a new career, which has been a great move for her. Without having these discussions, I’m not sure anything would have changed.

2. Personal Finance:

Despite being a personal finance blogger, I’m human as well. And like many, a number of financial objectives get put on the back burner, because I just don’t have time to do them throughout the other 50 weeks of the year. This often includes:

  • Moving funds between accounts and between investments.
  • Re-analyzing where I should be investing.
  • Shopping for better insurance rates.
  • Analyzing the previous year’s expenses.
  • Looking for new ways to cut my expenses (signing up for the Upromise card I reviewed was an early start on that).
  • Reading a classic financial book. This year, I’m aiming for Benjamin Graham’s The Intelligent Investor or John Bogle’s The Little Book of Common Sense Investing.

3. Household:

Being a homeowner creates a nagging list of weird to-do’s that I don’t have the time or mental energy to complete. Take this year for example: we have loose bricks on the front porch that need some bonding, our kitchen and bathroom faucets are both leaking from joints when we use hot water (wtf?), and our laminate kitchen counter is peeling up in spots and needs some sort of replacement.

This is also a great time of the year to annually rummage through our closets to find clothing or other items that have become useless to us, and declutter the home through donations, selling on Craigslist or Ebay, or giving away (there is never a shortage of items that can find their way in to white elephant exchanges in our household).

4. E-Clutter:

When my email inbox and article reader gets too difficult to manage, I start getting stressed. E-clutter can own you and weigh on you just as much as physical clutter, I’ve found. So, I use my free time to go through both and whittle them down to almost nothing.

5. The Blog:

There is a lot of stuff going on behind the scenes during the holidays. G.E.’s little elves (actually, it’s just me) are hard at work to make this blog a better user experience for all. Every year, I go through every single article I’ve written to update and enhance articles and trim the stuff I’m no longer proud of. As I approach 700 published articles, you can imagine how daunting this task has become. I’m not sure how much longer I’ll continue to be able to do so, but I’m going to give it another shot this year.

A few other things I like to do:

  • Try to make the site faster by cleaning up code.
  • This year, I’ve been intending to find and adapt a new theme. The current theme is an ancient 5 years old and I’d like to find a quicker and more responsive theme that provides a better user experience on all devices. If you have any recommendations on themes or theme designers, I’m all ears (eyes).

What About You?

What do the holidays look like for you?

How do you use your free time around the holidays?

And what goals do you typically set out to accomplish?


  1. Matt
  2. Steven Le
  3. Vicky
  4. Kalen
  5. Jonny Debt

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