Looking back at 2018 financially …
We increased our EF by $1200.
I had a goal to increase by $3000, but we had several weeks where DH was off work due to his heart attack, plus lots more medical costs. So I'm ok with it only increasing that much.
We fully funded both of our IRA's to the tune of $12k. ($1k of that funding did come from selling non-IRA stock the month after DHs hospital stay.)
We sold all of the electric car stock at $350/share. It went up to $369 a few weeks later, but is now at around $300 … so I'm glad to be off that roller coaster ride. All the funds were put into an index fund - either in the taxable account or our IRA's.
DH successfully raised and sold his first batch of angel fish. Fish are his main hobby right now (he owned two pet stores when he was younger.) This hobby comes from his fun money so it doesn't really affect our finances.
I paid for my cruise vacation with my mom fully out of my fun money - earned via Swagbucks, Earnably, Earnhoney, YouGov, credit card rewards, etc. etc.
Our medical fund was pretty much wiped out this year … but we had the money set aside for it. I'm putting it all on a credit card which will give me $500 cash back. So … a small win there.
DH has lost 45 lbs+ since Oct. I have gained 30lbs since January ….
At work my employer added 9% of my salary to my retirement, took 6% of my salary, and then I added another 11% or so. I increased the amount in February when I got a step raise, but since the new contract hasn't been signed yet, I haven't gotten my cost of living raise yet (usually in August) so that's all I increased it.
We paid $2k cash for some yardwork / improvements. This hopefully will reap dividends in ease of maintenance going forward.
I completed one course towards my AA degree - advanced typing, with a 97%. As soon as I get the official grade report, I'll be putting in for reimbursement.
I will be taking 2 -3 more courses towards my AA degree in 2019. (Microsoft Applications 1 and 2, and possibly Intro to Accounting)
My supervisor will be retiring in November … so I'm not sure how that is going to affect things at work. She's working on our main boss to reclassify me to a higher level of pay.
I would like to add $2k to our EF.
I want to save $2k towards our medical deductible again.
We will fully fund our IRA's at $13k this year.
We need to focus on putting money towards our car repair fund. 3 of our 4 vehicles are really old and eating up money.
We will either be purchasing a treadmill or DH will be signing up for a gym membership. Purchasing a treadmill may involve getting an electrician to ground some of our electrical outlets - this is something we are still researching.
Hopefully a fence will happen this year. We have the money set aside for it - its just getting someone to actually do it!
DH wants to continue to grow his fish business.
I'm continuing to save towards a possible France trip - once my SIL is able to leave the US again. I have $600 of my $2000 goal.
Some of my usual earnings sites are getting more difficult to earn from. I have signed up with Shipt and Doordash to hopefully make up for lost fun money from those sites. My goal is to bring in $200/month besides what I can manage on the various sites.
I must stop the weight gain. The big culprit is my not avoiding the junkfood - i.e. sugar and chocolate. I have managed to avoid soda for over 2 years now - mainly by not allowing myself even a "sip" of DHs when eating out. I think that may be the only way for me to overcome the sugar/junkfood thing too - just say 100% NO.
This will also help the grocery spending …
I'm doing well overall with a whole foods plant based diet - except when I make exceptions for the junk I crave. No more exceptions! Lets see the power of this way of eating.
I bought a pedal exerciser thing from Aldi, and am looking at one of those bike stands if we don't get a treadmill.
Looking Back, Looking Forward
Looking back at 2018 financially …