Wednesday, January 1, 2014

2014!

Not a very original post title, but my retired hubby has run some errands, and I'm trying to zoom thru a LOT of tasks before he returns. It's been great having him around because I've had a cranky hip for a while, but I'm having to learn to work with more distractions. My aging brain needs fewer of those, not more!

At any rate, I'm glad Sarah has continued to update on HER impressive progress! We're still here, over a year after the bankruptcy was finalized. As with Sarah, things are not easy (courtesy in large part of school loans that came out of forbearance/deferment - ugh), but we have survived some relatively significant medical bills (for me), followed by a wedding for our son (we provided and prepared all the food for the rehearsal and reception for about 30 guests), followed by an unplanned $450 plumbing bill, followed by a $300 gas line replacement for our '98 car, followed by Christmas, which was not over the top in gifts as much as food and toilet paper to accommodate our visitors (NOT complaining there!). Our savings account took a major nosedive and will likely be fumes after paying taxes this month, but we HAD savings after so many years without one. We are determined to build it up again.

We haven't used a credit card in over two years. We've been getting plenty of invitations for new ones, but the thought of even applying for one makes me ill, which I think is a good thing. If only chocolate would do the same....

Retirement for my husband came earlier than we'd planned, thanks to the political games of education, but when we realized that holding out three more stressful years would bring only $300/month more, it was a no-brainer. While our regular income dropped significantly with the retirement, it's now for 12 months a year instead of 10, and the LONG commutes are gone.

What has been particularly encouraging is to see how financially responsible our two grown children and their spouses are. I'm hoping that our own experience will serve as a wake-up call for them for a long, long time... even when their families start expanding.

And with that, happy, healthy, and prosperous 2014 to us all!

Jenny

8 comments:

  1. Happy New Year! Sounds like things are looking up for you in 2014! p.s. I feel your pain with the credit cards (and the chocolate!).

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  2. Happy New Year, my friend, take it easy on that hip.

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  3. So good to hear from you! Sounds like things are going quite well considering you had the money to pay for all of those things, expected and unexpected over the past year. Good for you:) I understand your husband's position. I'm retiring this year from teaching, 2 years early, so my pension will be a few hundred dollars less per month than if I waited until Jan./17. I just can't wait that long, my body and mental health just can't take it and I've learned to live on less so it seems pretty straight forward to me. Happy New Year Jenny!

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  4. We too are rebuilding our savings. Slow and steady wins the race. :)

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  5. Congratulations, Jane! You're right - the stress taking its toll mentally and physically is grueling. As much as we could benefit from $300 more a month, it wasn't worth the wait... assuming he could have lasted that long. You'll love it!!! We haven't whipped out the rockers yet, but we have managed to take a nap or two in between everything else going on around here.

    Yep, Eboo, slow and steady. We are definitely SLOW. Good luck to both of us!

    Jenny

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  6. Life has been tough on you, Jenny. But you still managed to amaze me; despite these hardship you had experienced, you still maintained a strong and high spirit. Keep it that way! And for unexpected problems to come like plumbing or household problems, it’s an advantage if you keep numbers of reliable repair shop/man that provide high quality of service at an affordable price. So in case of emergency, you’ll have someone to trust without hurting your purse too much.

    Evon @ Athens Plumbing

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  7. It’s good to know that you’re growing stronger year after year after the bankruptcy has been finalized. It can be tough building back up, and no one would ever know the hardship your family has experienced. But it doesn’t matter, as you moved on and have gotten wiser that’s what important. Stay that way, and time will come and everything will be better. Hang in there!

    Charlena Leonard @ WeidnerLaw

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