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2015 Here We Go

January 5th, 2015 at 12:15 am

Happy New Year!! 2015 has ARRIVED!

It's been a while since I've blogged... Still trying to manage my fatigue. I told a friend that maybe what I'm going through is not just job burnout, it's 'overwhelmeded-ness'. We had a good laugh about that, but I'm working through it (it feels like a low-grade depression) in order to feel better. The days off work for the holidays have been helpful--I relaxed, deliberately chose NOT to stress (or shop much) and I got a chance to sleep late, which was wonderful!

Below were my 2014 Goals. They need to be revived and/or revised--I only met 2 of them! Not my best work.

(X) Christmas account: $500
(X) Pay extra toward mortgage: $1000+ - Paid $1250 extra
( ) Add to Roth IRA - nothing added
( ) Will/letter of instruction (I don't know why I cannot seem to get this done, but I seem to be overwhelmed by the mere thought of it)
( ) Bath surround repair - got one estimate, but the money wasn't right
( ) Electrician rewiring - not met

New sidebar goals for 2015 listed....

I also updated my sidebar with current balances as of Dec 2014. For comparison purposes, I copied my balances for Dec 2013 below:

Mortgage: $44,523 remaining
No credit card debt (hallelujah!!)
Retirement: $42,403 IRA (trad'l)
Retirement: $171,323, 401K
Retirement: $6,019 Roth IRA
Wealth acct: $25,506
Freedom acct: $4,763
Christmas acct: $95
House repair acct: $1,124
Grandkids acct: $440
Education/Misc: $1,792
Savings bonds: $5,700

In November, we got a new AC/furnace installed to the tune of $5,998 (yes, $6,000) Our heater was discovered to be inoperable when our first cold front hit. We got a payment plan for 12 months. I could have paid cash, but knowing that we have a lot of dental work and that I'm still paying hospital bills, I wanted options. I'll be able to pay it off before the 12 months, I just wanted options. Needless to say this was NOT a projected budget expense. Heavy sigh...

This new year, it seems important for me to stay encouraged, and not get derailed by long-term discouragement (which has happened to me too often).

Anyhoo...thanks saving advice friends. Happy saving everyone!!

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