Debts
Mortgage -$112,930.59 (-$240.85)
Land Loan -$8,583.04 (-$195.08)
Hospital Bill -$441.41 (-$75)
Savings
Roth IRAs +$29,275 (+$1,540)
401K +$59,560 (+$3,554)
Emergency Fund +$6,267 (-$515)
Animal Fund +$1,035 (+$4)
Car Fund +$240 (+$0)
HSA +$1,740 (+$107)
Overall: +$5,200.93
Another big market increase month.
I ended up pulling a little money from the EF to cover a few expenses by the end of the year. I'm hoping in 2024 we can increase our savings instead of continuing to pull from it.
I'm happy that we managed to not take on any new medical debt this year, and it looks like my husband's insurance made a few changes for 2024 which will be in our favor. Previously we had just a family deductible which was $3,700 & OOP was $7,400 I think. Now they have changed it so each individual has a $1,850 and $3,700 OOP max with the total family staying the same as well. This should help us cut costs tremendously since I am the one who usually has the highest medical bills each year. I was worried I would have to upfront $7,400 in February when my next lung & heart surgery is rescheduled for, but now I should only have to pay a max of $3,700. That is a big difference.
I will make other posts with my year in review and goals for next year.
January 4th, 2024 at 04:19 pm 1704385144
January 5th, 2024 at 04:13 am 1704427996
January 12th, 2024 at 04:13 pm 1705076024