Review of Financial Goals - 2012

It is time to review the financial goals I had set early 2012 and see how I did.

I do not calculate my Net Worth. So, my financial tables do not include the two apartments and the car I own nor the small debt I have on the second apartment. What I track of is a basket that contains the following:

Emergency Fund (Cash and two short-term interest earning accounts)
BES (similar to a ROTH)
Stocks
Gold (Coins and a gold account at a bank)
Foreign Currency (USD)

For privacy reasons, I am sharing them as graphs only. Below is what they look like:

2012 Actual

2012 Goal

I have exceeded some of my goals because the Turkish Stock Exchange did comparatively well this year. I am short on my cash goal, the Emergency Fund: (Well... If need be, Gold and USD can easily be converted to cash). 

I think it is worthwhile to mention that my EF is sizable. It is not a small one. Right now, it is a few months of my living expenses. My original goal was to make it 8-9 months worth of living expenses but, alas!

I own the apartment I live in free and clear. No mortgage on that. I owe less than USD 9,000 on the rental unit. That debt will go away by May 2015 if not sooner. 

I am already in my semi-retirement so, it is important for me not to have debt. As soon as I pay for the rental fully, I will feel very relieved. Until then, I am allowed to worry a little.

I have exceeded some of my goals because the IMKB, the Turkish Stock Exchange did comparatively well this year. I am short on my cash goals:( Welll... If need be, Gold and USD can easily be converted to cash.