$100 in change went to the bank this month.
I put it towards my back to school fund. Once I get it up to $500 then any change rolled goes towards my TFSA.
Not Much Working Out Monday
2 hours ago
Friday, January 31, 2020
Tuesday, January 7, 2020
Where the money stands
as of January 7, 2020
New year...new tracking. And hopefully more faithful than I was the latter half of 2019.
This year brings us close to, if not done, the mortgage at the old house and also, the college LOC
I don't want to say that too loudly as Murphy does love to take advantage of progress and throw new, unexpected expenses at us.
New year...new tracking. And hopefully more faithful than I was the latter half of 2019.
This year brings us close to, if not done, the mortgage at the old house and also, the college LOC
I don't want to say that too loudly as Murphy does love to take advantage of progress and throw new, unexpected expenses at us.
Debt
Mortgage - $2 500.00
College LOC - $7000.00
Total Debt - $9 500
Planned Savings
TFSA - $9900
RRSP - $14 262
TFSA 2020 - $500
Back to School - $200
Summer 2020 - $0
Christmas 2020 - $500
I didn't end up spending all my xmas money as we didn't really buy gifts and no one was over. I have $500 ready to go for next year.
I didn't end up spending all my back to school as my brain was overwhelmed with funeral and post funeral things so I have a head start on that as well.
Tuesday, December 31, 2019
Reflections on 2019
I truly thought 2018 was tough but 2019 was even more so.
Still I can't say that all of 2019 was awful. I had some really life changing experiences - most of them from small moments and not grand.
Healthwise 2019 had it's ups and downs. The colitis was actually not too bad. I think the new oral pills I started in the fall gave me a boost. I am less terrified when I go somewhere, but I am still always aware of food intake and bathroom potentials when I go. Physically I had that awful bout of tendinitis that hit me just a couple weeks into the fall school year and threw everything off balance. The 2 rounds of pneumonia with a tail end of bronchitis is what did me in at the end. 6 weeks of barely being able to move and think in November and December.
Mental Health wise it was tough. I lost the ability to think or focus or make decisions. Everything was overwhelming. I did a lot of go go go and then just crawled into bed after supper if I wasn't on dad duty before he passed. After, there really was no reason to be awake more than I had to. The stress over his healthcare and then the fallout after the will was just more than I could handle.
Moneywise I have held steady but that drive to pay pay pay down was not here. It really just was survival. And I am at peace with that.
2019 let me have all kinds of adventures with dad. Anytime he was strong enough he was wanting to go and do things and since I was with him the most, especially in the spring and early summer. While I sometimes grumbled to myself about having no free time, each of the experiences I had with him it was a blessing.
I was grateful that he was healthy enough to do so many of the things he loved and that he did not pass sick and weak and in the hospital.
I was able to go to France for the first time and visit DS and his girlfriend. It was absolutely gorgeous weather there when it was 40 below here at home. Different foods and sights and experiences were so appreciated .
I lost myself for a while last year and hope to find myself again.
Still I can't say that all of 2019 was awful. I had some really life changing experiences - most of them from small moments and not grand.
Healthwise 2019 had it's ups and downs. The colitis was actually not too bad. I think the new oral pills I started in the fall gave me a boost. I am less terrified when I go somewhere, but I am still always aware of food intake and bathroom potentials when I go. Physically I had that awful bout of tendinitis that hit me just a couple weeks into the fall school year and threw everything off balance. The 2 rounds of pneumonia with a tail end of bronchitis is what did me in at the end. 6 weeks of barely being able to move and think in November and December.
Mental Health wise it was tough. I lost the ability to think or focus or make decisions. Everything was overwhelming. I did a lot of go go go and then just crawled into bed after supper if I wasn't on dad duty before he passed. After, there really was no reason to be awake more than I had to. The stress over his healthcare and then the fallout after the will was just more than I could handle.
Moneywise I have held steady but that drive to pay pay pay down was not here. It really just was survival. And I am at peace with that.
2019 let me have all kinds of adventures with dad. Anytime he was strong enough he was wanting to go and do things and since I was with him the most, especially in the spring and early summer. While I sometimes grumbled to myself about having no free time, each of the experiences I had with him it was a blessing.
I was grateful that he was healthy enough to do so many of the things he loved and that he did not pass sick and weak and in the hospital.
I was able to go to France for the first time and visit DS and his girlfriend. It was absolutely gorgeous weather there when it was 40 below here at home. Different foods and sights and experiences were so appreciated .
I lost myself for a while last year and hope to find myself again.
Sunday, December 29, 2019
Settling in
We have been here at the new house since Monday the 9th
We weren't really ready to move but we had to. DS2 had promised the Scouting Service Corps they could hold their winter meeting at our old house. We really should have been out by then but all this illness slowed the whole process down.
On Sunday the 8th we planned to move. I headed over to get a few grocery staples. It felt weird wandering, not really sure what I needed and not a lot of energy to do it.
We loaded up a couple laundry baskets with some clothes and headed over to try to set a few things up. I was so sick and weak and coughing. I ended up going to the ER and after a 4 hour stay they said I had a second round of pneumonia. Viral, of course, so no meds would work.
I came home to the new house and told DH I just couldn't do it that night. I just needed to be 'home'. We had a supper here then went back to our old house for the night. I crawled into bed and crashed hard.
Monday I didn't end up working the whole day. Just constant coughing and so weak. I came home and spent the afternoon resting and doing a few things like cleaning out the fridge, and a few cupboards, taking what I know DS wouldn't eat.
I had a big panic attack around 4 when DH was due to come home and I knew I was leaving the house for good. Nothing like a big ole panic attack and some crying to make a positive start.
DS brought over the cats and I relaxed as I watched them run from room to room exploring what was almost all new to them furniture ( we are using a lot of what was mom and dad's until we can afford to replace them.
It felt very final to be moving in. The reality that mom and dad are both gone is hitting home.
There are lots of things to still do. It's more than unpacking - it's a lot of 'this cupboard is where mom always kept the...…"
I have to do it in bits or it's just too overwhelming.
We weren't really ready to move but we had to. DS2 had promised the Scouting Service Corps they could hold their winter meeting at our old house. We really should have been out by then but all this illness slowed the whole process down.
On Sunday the 8th we planned to move. I headed over to get a few grocery staples. It felt weird wandering, not really sure what I needed and not a lot of energy to do it.
We loaded up a couple laundry baskets with some clothes and headed over to try to set a few things up. I was so sick and weak and coughing. I ended up going to the ER and after a 4 hour stay they said I had a second round of pneumonia. Viral, of course, so no meds would work.
I came home to the new house and told DH I just couldn't do it that night. I just needed to be 'home'. We had a supper here then went back to our old house for the night. I crawled into bed and crashed hard.
Monday I didn't end up working the whole day. Just constant coughing and so weak. I came home and spent the afternoon resting and doing a few things like cleaning out the fridge, and a few cupboards, taking what I know DS wouldn't eat.
I had a big panic attack around 4 when DH was due to come home and I knew I was leaving the house for good. Nothing like a big ole panic attack and some crying to make a positive start.
DS brought over the cats and I relaxed as I watched them run from room to room exploring what was almost all new to them furniture ( we are using a lot of what was mom and dad's until we can afford to replace them.
It felt very final to be moving in. The reality that mom and dad are both gone is hitting home.
There are lots of things to still do. It's more than unpacking - it's a lot of 'this cupboard is where mom always kept the...…"
I have to do it in bits or it's just too overwhelming.
Friday, December 27, 2019
Reflections on 2019 money
To be honest, the intensive focus on debt reduction was much less for me in 2019. Just too many other things going on. I probably could have done a lot better at attacking this if all this with dad and the new house hadn't been a part of the year. But it was and so I take it at what it is.... small progress.
Here is a peek at the past years' numbers that now, are just the mortgage:
December 2009 - $70 771.99
December 2010 - $52 410.25 (down $18 361.74)
December 2011 - $40 055.29 (down $12 354.96)
December 2012 - $35 921.04 (down $4 134.25)
December 2013 - $25 925.49 (down $9 995.55)
December 2014 - $22 494.06 (down $3431.43)
December 2015 - $18 837.12 (down $3656.94)
December 2017 - $11 055.48 (down $3954.48)
December 2018 - $6969.94 (down $4085.94)
The two debts, including the College LOC past were:
Debt 2016
Mortgage -
College LOC - $13 245.16
Debt 2017
Mortgage -
College LOC - $21 343.00
Total Debt - $32 398.48
Debt 2018
Total Debt - $21 669.94
Debt 2019
Mortgage - $2756.00
College LOC - $6800.00
Total Debt - $9 556.00
My goal last year was to get the LOC down to between $7000 and 8000 so I consider that a win.
The mortgage should be paid off in 2020. I will have to remind my husband that we need to set aside $ for property tax as it has been included in the mortgage payment.
There is no mortgage on the new house. So if we end up selling the old house that money can be used to wipe out all debt and put money towards our retirement.
I don't want to get too happy about things as Murphy tends to hear those sorts of thoughts and starts his own plan.
Here is a peek at the past years' numbers that now, are just the mortgage:
December 2009 - $70 771.99
December 2010 - $52 410.25 (down $18 361.74)
December 2011 - $40 055.29 (down $12 354.96)
December 2012 - $35 921.04 (down $4 134.25)
December 2013 - $25 925.49 (down $9 995.55)
December 2014 - $22 494.06 (down $3431.43)
December 2015 - $18 837.12 (down $3656.94)
December 2017 - $11 055.48 (down $3954.48)
December 2018 - $6969.94 (down $4085.94)
The two debts, including the College LOC past were:
Debt 2016
Mortgage -
College LOC - $13 245.16
Total Debt - $28 255.12
Debt 2017
Mortgage -
College LOC - $21 343.00
Total Debt - $32 398.48
Debt 2018
Mortgage - $6969.94
College LOC - $14 700
Total Debt - $21 669.94
Debt 2019
Mortgage - $2756.00
College LOC - $6800.00
Total Debt - $9 556.00
My goal last year was to get the LOC down to between $7000 and 8000 so I consider that a win.
The mortgage should be paid off in 2020. I will have to remind my husband that we need to set aside $ for property tax as it has been included in the mortgage payment.
There is no mortgage on the new house. So if we end up selling the old house that money can be used to wipe out all debt and put money towards our retirement.
I don't want to get too happy about things as Murphy tends to hear those sorts of thoughts and starts his own plan.
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