Debts

Mortgage −$116,073.64 (-$240.46)
Land Loan -$11,045.12 (-$180.79)

Savings

Roth IRAs +$21,997 (+$1,324)
401K +$43,968 (+$2,950)
Emergency Fund +$7,276 (-$817)
Maternity Fund +$500 (-500)
Animal Fund +$1,682 (+$3)
Car Fund +$20 (-$0)
HSA +$1,015 (-$473)

Overall: +$2,908.25

It's been a rough month for our household but the best the market has done in a long time! We paid around $1,300 for our new 500' main water line and hydrant.

I purchased nearly all our Christmas presents and my husband's and daughter's birthday presents for later in the year. Only two more things to purchase! I love buying everything early. It takes some of the stress off and I make sure to capitalize on sales. I spent a little more than I wanted to. I stayed mostly in budget for the gifts but with kids old enough to be excited we felt like we needed to replace a few things. We got a new tree, some new lights, plus a few small decorations and little things like a gingerbread house kit and pjs for the kids. Our tree and such were what we have been using for a decade and it was free/used when we got it. So it was time to replace.

I had to put to sleep one of my pets this month. ☹ I had him for almost 20 years and I am heart broken. On the budget side of things his geriatric care and food were costing $100+ a month so that should free up some extra cash flow to catch our overflowing expenses.

My human kid had more diagnostic testing for a chronic problem and also an unexpected hospital stay. So yay… more medical bills. At least it fell before the deductible starts over I guess. Thankful she is doing better-ish, still working on a long term solution.

Hoping we are about done with the spending because we have been bleeding money this month, along with high stress and busy schedules. My house is a wreck, I’m mentally and physically exhausted. I had my yearly doctor appointment and they said I’m constantly sick because I am chronically tired and stressed. Not much I can really do about it since most is out of my control but I sure hope life winds down a bit soon. I’m ready to have a peaceful and relaxing Christmas season.