2014 was a good year. Not an earth-shattering one, but it was good.
First and best is that DS was not hospitalized. Not once. Not a single visit to the ER. No serious illnesses. Just run-of-the-mill-treat-it-at-home stuff. I'll take it. He also turned 21, surpassing his life expectancy by a full three years. We are so very blessed.
On the job front, things went well. DH got a raise and his current income is solid - more than we ever expected he would earn. I was offered some freelancing opportunities and now receive a small, but regular, monthly check. Some months, it is that little bit that provides the cushion we need to ease the financial stress.
Speaking of financial stress, I have come to a point where it doesn't rule my days. The debt is still there and I still want it gone. But I don't lose sleep any more because we've tamed it enough so that we are able to pay the minimums without issue and usually have a bit left over to throw a decent snowball every month.
On the other hand, I think we have also fallen into that nasty trap of having enough to cover the bills with some left over. While we are in no way extravagant about anything, I have noticed that we are eating out more and not thinking about it. We will aim to get back on track this year.
The downside of seeing such a good income is that I am reminded every paycheck how much money we would have in the bank if it weren't all going to pay off debt.
The upside is that I am more determined than ever to eradicate the monster before DH retires. He has 10 more years on the job before he can start drawing a pension. My goal is to be done with everything - mortgage included - by then. We have a written plan and are determined to make it happen. We've come this far - we can't stop now.
So, here it is. Drum roll please. In 2014, we paid off $27,619.08!! That means that in four years, we have dumped $75,514.83 of debt. At that rate, we really are on track to meet our 10-year goal.
Happy New Year everyone. Thank you for your support and cyber friendship. Let's make 2015 the best ever!