Happy MLK day!
I haven't posted in a long time. Unfortunately, it's still due to fatigue and job burnout issues, but I'm hanging in there in the best manner I can.
A lot has happened -- spouse has been a candidate for hip replacement surgery for a few months, but scheduling and health issues keep postponing it.
I had a 'tubcut' done for our bathtub to make it easier for spouse's in and out access to take a shower ($1100)
Also had to purchase a car before I was ready. One of our cars was totaled. Purchased a used one ($8,100).
Paid a retirement deposit for non-deducted time ($2,700)
Paid half of property taxes ($1,927)
Feel like I'm starting fresh in 2016. I love the feeling and the new motivation. I'm tweaking the budget and the automatic savings. Did a better job of keeping track of expenses using my daily notebook (Franklin Covey/Day Timer is expensive, but I bought the calendar and daily pages again for this year. I have the 5X8 size. It's an investment, but worth it for me to stay organized and financially aware. It worked well for me last year, so I'm doing the same this year. One day, maybe, I'll have the time and energy to make my own cheaper version...)
I updated my sidebar and copied last year's end-of-year numbers below for comparison...
As of Dec 2014 --
Mortgage: $39,400 remaining
HVAC loan: $5,998 remaining
No credit card debt
Retirement: $43,502 IRA (trad'l)
Retirement: $205,003, 401K
Retirement: $6,175, Roth IRA
Wealth acct: $23,786
Freedom acct: $3,934
Christmas acct: $27
House repair/major medical acct: $861
Grandkids acct: $140
Savings bonds: $5,700
Except for paying off the debt, things remained pretty much the same.
Net worth is about $440,380
The new year always represents a fresh start, so here we go! Seeking daily opportunities to smile, celebrate, save more, be goofy, and be grateful.
Happy saving to all my saving advice friends!!
Archive for January, 2016
Happy MLK day!