I don’t give myself enough credit for doing good things and it was pretty obvious when I was wallowing in self-pity because I’m starting the year in the red. Let’s start with the bad news: I owe $4,000 on my line of credit.
It’s a big number but I’m working on getting some reimbursements for a trip ($700) and a medical expense ($400). We had also over-saved for the Kitchen so the additional $1,000 will be put immediately on the card. That should bring the debt down to $1,900.
Not amazing but not as terrifying as $4,000.
Now for some good news! When looking at my BHAG2018 I definitely rocked it!
After years of wanting to change our kitchen and attempting to save for the enormous expense we did it! We saved a great deal but we also made use of the (no interest for 18 months) store credit card. I know that my aggressive desire to pay off this debt led me astray as I didn’t adjust my spending enough. Though we don’t have to pay off the Kitchen until October, we’ll own our kitchen by the end of January.
We had always planned on throwing ourselves a reception do-over for our 10th anniversary. It was the research into that affair that led us to renovate our kitchen. We were not willing to spend $20,000 on one night to celebrate with friends and family! We did, however, through a fantastic party for $2,300 at our home over the summer. It may still seem like a lot but I tracked all our spending (invitations, decor, furniture rentals, cutlery, bar items and food) so I am confident that it was quite reasonable.
Emergency Trip Home
My grandmother was suddenly rushed to the hospital in November and love had me making arrangements to fly home for a few days. Luckily my mum and I split the cost of the trip and we had friends who drove us so we didn’t have to hire a car when we arrived. We were able to spend quality time with my grandmother, visit with family & friends, as well as get gifts for those who had helped us on both ends of the trip.
This was completely unplanned so there was absolutely no money budgeted for a trip. I was pleased that we were able to make it work.
Other lovely news
I had a few girlfriends make quick trips to us which was lovely. I got to spend quality time with one over a long weekend in September and another of the break. I will be starting a new job tomorrow which will be an exciting adventure.
I have been working harder at taking time for myself by setting boundaries and trying to honour my own truths. Sometimes those truths aren’t fun, they’re more along the lines of I need to go to bed by 8:30…
2018 was a year that we did a lot of big things. I know that 2019 will come with its own joys and struggles but I feel secure knowing that I will continue to improve.
Happy New Year!