Here's my fitness tracking for the rest of August:

Aug. 28
10-min. workout: No. 6/28
Calorie counting: Yes, estimated 1,810. 28/28
No night snacks: Fail. 21/28

Aug. 29
10-min. workout: No. 6/29
Calorie counting: No. 28/29
No night snacks: Fail. 21/29

Aug. 30
10-min. workout: No. 6/30
Calorie counting: No. 28/30
No night snacks: Success. 22/30

Aug. 31
10-min. workout: No. 6/31
Calorie counting: No. 28/31
No night snacks: Success. 23/31

So, as you can tell, I slacked off toward the end of the month. My weigh-in is tonight, so we'll see if I managed to maintain or lose. I went back and did a rough estimate, and I think I was calorie-heavy on the last three days, though I don't think I went over 2,000 on any of them. Yesterday I did 20 minutes of cycling and kept within my calorie limits.

For September, I'm dropping the daily calculation. I'll still count calories and post them on my SparkPeople page. Instead of the 10-minute fitness challenge (which I clearly floundered on this month), I'll take part in my work's pedometer challenge and yoga workshops. I'm also going to try and bike at least once a week (for groceries) and have a dance party with AA at least once a week. I'll also be picking up from daycare twice a week as well as dropping off every week, so that'll be an extra 40 minutes of walking pushing the heavy stroller per week. I won't be tracking these formally, so we'll see if I can just keep them up naturally.

I'm still going to try and stay away from night snacking, which has gotten a lot easier as I've become accustomed to it. Also we've found that AA can wait a bit for dinner now, so we don't prep everything the night before to get it on the table right at 6. Eating at 7 or 7:30 makes it a lot easier not to snack.

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For debt, I'm going to be making a tuition payment in September, which will count toward reducing our "estimated future debt" that's counted in our debt total. So I reckon I can manage to put $2081 toward our debt in September.

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I've gotten over the shock of the $1000+ medical bill we got in the mail yesterday, and the disappointment of our mortgage going up $22 per month. At least healthcare premiums will be about $80 less per month now that SL is switching to mine from NT's, so that helps.

Barring any more big medical bills in 2012, this is my ad hoc plan for the rest of the year.

I'm going to try and hit my stated goals rather than switch to rebuilding the medical fund.

- The student loan debt goal will be nearly met in September and I should be able to polish it off in October.

- The total debt goal still needs some work, but I think I can hit it in early December with our mortgage payments if I'm able to continue putting extra to the student loans in October and November.

- I don't think I'll hit the EF goal, but if NT gets a Christmas bonus it's possible. I think I could get it up to about $18K without a bonus, so if he got at least a $2K bonus we might just barely get our EF to where it needs to be.

- The net worth goal is pretty much out of my hands due to the stock market, but if I work on the other debt and savings goals the likelihood of meeting it does increase.

- My weight goal is still do-able; if I'm not making progress in September I may consider a juice/raw foods cleanse in early October to kickstart weight loss again.

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Thinking ahead to 2013 and beyond, I have several ambitious financial goals that I want to achieve without disrupting our current spending levels too much, since everyone is basically content. If I feel we're moving too slowly toward our goals, I may lobby to cut out one expensive vacation in a year or two, or reduce our spending money, or take even drastic measures. However, first I'll see how we do without taking any of those steps.

My big-picture goals are:

- I want $20K in the EF; if not this year, then by early next year. We may have $2K to go by the end of this year.

- I'd like a $5K medical fund in the savings account, hopefully by sometime in 2013. Obviously we're starting from scratch on that.

- I want to be DONE with student loan debt by the end of 2015, so we'd need to get rid of $40K in 3 years.

- Ideally, we'd want $80K in a moving to England / house down payment fund by the end of 2016. We only have a bit over $1K saved so far, will probably have about $1500 by the end of this year.

Adding all that up, I would need to come up with $125,500 over the next 4 years (2013-2016) to achieve it all. If our budget stays the same for a while, we should have $1646 to put toward it each month, or $19,752 per year. That would mean a total of $79,036 over the 4 years, or $46,463 short of the goal. It would take us another 2.3 years to finish all the goals at that rate.

Clearly we'll need to try and generate extra income, and any raises or budget reductions (such as diaper service and daycare savings as the kids grow) will need to go to these big picture goals. I don't think we'll be able to make up such a huge shortfall, but all we can do is try. If we haven't made enough progress as we're approaching the 4-year mark, we can consider a drastic cut in lifestyle for a short period to make it up.

I've been mulling these things in a scattered way for a while now, so it's good to get it all down on screen and out of my head!