Happy New Year!
Sorry for the “radio silence” over here. We went back to Texas for a week-long visit over New Years and then immediately dove into work upon returning, so things have been chaotic. I’d intended to write up a Year In Review post before the turn of the new year, but better late than never, right?
I’ve now been blogging for nearly 4 years now (I started in March 2014). I cannot even believe it. A lot of life has occurred since that time! For previous years in review, see here:
(Apparently I didn’t do one for 2014??)
Here’s a peak at what 2017 looked like for us:
Hubs’ work and school
This year, hubs’ business was ramping down and he started back to school full time (earning straight A’s for two consecutive semesters! Boom!)
We set some pretty lofty financial goals (which we didn’t hit, for the first year since starting to blog here). Even though we had lots of setbacks and downright financial failures, the whole year wasn’t a bust. We did eliminate the last of our medical bills, closing the door on a scary chapter of our lives related to the medical debt (read here about hubs’ mystery illness of 2013). I also got a huge raise at my full-time job, though it required me to sign a non-compete so I also left my part-time job. The end result is that I actually make slightly less per year (due to loss of part-time income), though I’m happy with the trade-off because I was killing myself working 65+ hour/weeks for 2 years and knew I couldn’t continue forever that way. I make a little less, but I have a much happier, healthier, and more balanced life. Worth it, if you ask me.
We’ve had a fair share of financial set-backs (and simple over-spending) this year. For one, we grossly underestimated our taxes and got hit hard in April. We also had some car issues: the power-steering went out at one point, we had a tire blowout on the highway, and had to replace other tires later, and we had to replace all our brake pads and rotors. General over-spending occurred, too, explained in some of the posts linked in “Life Happenings”, below.
A major bummer is that we actually increased our credit card debt this year. By quite a bit, actually. I waxed poetic about my thoughts of increasing debt and facing the harsh reality here. To give some context to what’s been happening in “life” as our debt has increased, I had a virtual coffee date and told a tale of two sisters, where I did some over-sharing. 🙂 I also talked about my general outlook on the process of getting out of debt. After all, I’m 3.5-years deep at this point!
In the past couple months, I’ve really gotten intentional about trying to make some hard changes in an effort to get things under control and eradicate our debt. I talked about making our own yogurt (instant pot edition), saving money by checking receipts, using the cash envelope system, cooking from scratch, doing bulk cooking, taking advantage of free museum day and free family races, and utilizing no spend week challenges as a way to tame our spending.
We’ve got a long way to go, there’s no doubt. But with the change of the calendar, I feel a fresh sense of renewal. Rebirth. Start-over. All that good stuff. I’ll be back soon with some tangible goals and action-steps for our financial plans in 2018 and beyond!