I wasn't even halfway to my target this year due to health issues, close family illness and bereavements, work stress and now moving house. I'm kind of wondering whether to drop down a level to make it feel more achievable. But then, I'll be in the new house in a few days, I'm not coping with a sick parent any more and next year looks like it'll be a much less stressful year all round. But dropping down a level also feels kind of like giving in, but I know it's be more achievable. Still not sure.