Debts

Mortgage −$116,314.10 (-$239.89)
Land Loan -$11,225.91 (-$185.66)

Savings

Roth IRAs +$20,673 (+$134)
401K +$41,018 (+$457)
Emergency Fund +$8,093 (-$32)
Maternity Fund +$1,000 (-500)
Animal Fund +$1,679 (+$1)
Car Fund +$20 (-$0)
HSA +$1,488 (+$358)

Overall: +$843.55

Markets are slightly up which is better than the typical sharp decline. Still pulling some from our buffer / EF, and we just completed a large outdoor project (replacing the main water line) so who knows what that bill will be but it will come out of the EF. The EF includes our saved amount for home projects as well but I leave it and label it as EF until it's used just to keep the numbers more simple.

I am thankful to have another project done especially before the cold weather sets in. I am thankful to not have another year of worrying about water lines freezing and breaking again, and I also added an outside hydrant which will improve my quality of life greatly. I've been carrying buckets of water from the bathtub for ten years all winter to water all my farm animals because my current house spigot freezes.

Still need to run gutter drainage lines and put in a new septic but that is looking like it’s going to be put off until next year again. Which is fine with me, gives us longer to save.

Just got our yard regraded a month or so ago and now it’s a disaster with the 500’ water line that was dug up and installed. Sigh. They are going to come back and regrade again in a week or so. Wish the projects would have coincided a little better but it is what it is.

Still having pretty consistent medical bills. Our medical costs are crazy crazy high. Me with my chronic health issues and both kids have been sick pretty much nonstop all year. We have been averaging over $12,000 a year out of pocket including our premiums for the past 4 years. American healthcare sucks. That is 20% of our gross income.

I have several friends who make around what we do and all have free healthcare and food stamps due to taking cash jobs and not reporting all their income so they quailify and/or having more kids. Kind of sucks that since we follow the rules and pay our taxes we have to lose 20% to medical every year plus our taxes. Bad system that is easy to scam.