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2018 Wins and Losses

December 30th, 2018 at 12:58 pm

Overall, I cannot complain too loudly on my losses, although I'm not sure I have too much to credit myself.

Wins:

Saved money by canning/freezing. We eat many meals at home.

Christmas was paid for with cash -- no outstanding debt. I made quite a few gifts.

We had a couple of home improvement projects which we had saved for and paid for in cash.

We still live below our means.

House and second vehicle are paid for.

Fortunately we did not have to touch any retirement savings or emergency funds.




Losses:

The only thing we owe for is DH's vehicle. We chose to get a low interest loan because our FICO scores were starting to drop. We have about a year left of the 3 year loan to pay.

I did not put away as much in savings because I changed cholesterol medicines and insurance will not pay for it. I am paying for it out of pocket because the previous medicine raised my blood sugar to almost diabetes range. My insurance wants me to try three other kinds before they will consider helping pay part. However, after 9 months of this medicine, my blood sugar has dropped some and we feel that it is better to pay the extra instead of going into diabetes.

My goal of reading 100 books was not met. I am in the middle 80s. Most of the books were borrowed from the library, but when the library had some issues and we couldn't park close, I bought books at thrift shops. I donated them back. When this was going on, I was having some major foot problems and couldn't walk very far.

6 Responses to “2018 Wins and Losses”

  1. creditcardfree Says:

    Thanks for participating! You did really well if you didn't have to dip into retirement savings!! What are you living on? A pension?

  2. rob62521 Says:

    CCF, yes we both receive pensions. DH worked for the public library and I worked for the school district and we paid into them for many years.

    Thanks for suggesting this little exercise. A good way to look back on the year!

  3. Wink Says:

    You had a very successful year! A 3 year car loan is usually what is recommended (no more then 3 years if financing) so I don't see that as a loss at all. Very smart in my book. Happy New year!

  4. rob62521 Says:

    Thanks, Wink! Happy New Year!

  5. ceejay74 Says:

    Sounds like a great year! 80 books is amazing; I read maybe 5? Less than 10, I'm guessing.

    Happy new year!

  6. frugaltexan75 Says:

    I managed to get in about 46 books this year (physical books besides cookbooks.) 80 would be awesome!

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