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Archive for January, 2025

2024 Goals Recap

January 4th, 2025 at 07:58 pm

These were my goals for 2024.

1. Save $3,000 in IRAs

I ended up saving $3,500 in my IRA this year.

2. Save $2,500 in EF

With my benefit fundraiser and really scrimping we managed to add $20,000 to our EF this year!!!

I am still so thankful to my friends and family for their generosity. Unbelievable! 

3. Get & keep both checking account buffers at $1k each

Done

This was such a different year than normal with lots of events and changes. Tons of medical issues, the fundraiser, starting a job, etc. I'm not sure what to expect next year so I will have to think about what goals I want to accomplish. What I'd really love is a big home remodel. We need to fix our foundation and joists, dig out the crawlspace, rerun all the ductwork, and replace the floors

I'm currently trying to find someone willing to do it so I can get bids and start figuring out a way to pay for it. I really don't want to take on a new loan until our land loan is paid off, but it may be inevitable. Ideally our current savings will cover most of it and then we could cashflow the rest, but I am worried the cost is going to be way higher than I'm expecting. So we'll see once I get bids.

Hope everyone has a great year.

December Check In

January 4th, 2025 at 07:31 pm

Debts

Mortgage -$110,003.35 (-$981.02)
Land Loan -$6,203.91 (-$804.46)

Savings

Roth IRAs +$37,306 (+$728)
401K +$76,020 (+$2,444)
Emergency Fund +$25,236  (+$5,689)
Animal Fund +$1,903 (-$616)
HSA +$3,244 (+$1,343)

Overall: +$11,373.48 (This is for September - December)

Sorry for the lack of updates! I tried to post several times and the website deleted my entry and I got frustrated. I've also been super busy.

I got another cardiac cath where they were unsuccessful in placing my stent. After meeting with 4 different heart surgeons over the last couple of months it was decided that I will eventually need another open heart surgery to fix my repair again, but at this time we are going to hold off until it worsens. Hopefully it will be years from now.

Money wise we have been doing okay. Fall was great. December was very expensive for us with Christmas, vacation, and vet bills.

My dog got deathly ill which resulted in 5 vet visits so far and she is currently still on 15 pills a day. Unfortunately, I had to pull from my animal fund to pay for the bills but I am so thankful I had a dedicated savings account to use. I do have goats that are sold and pending pick up, so I should be able to replenish some of the money soon.