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10 Year review

January 12th, 2020 at 10:55 pm

In June of 2010 the company I lost my job due to the company closing. I started at my present job in December of 2010. Took a 10 % pay cut but I was employed with good health insurance. I like my job unfortunately there have been no raises since January 2015. On the plus side the employee contribution to the health insurance has increased much over the last few years.
On 1/1/2011 I had 97,382.42 in debt. This was mortgage, credit card and home equity. Today this debt is down to 70,911.37. I no longer have a credit card balance. In April of 2018 I took out a new loan for my new to me vehicle in the amount of 12161.00. I now owe 8737.69.

I have always been behind in my retirement savings. I do not have exact numbers for what my balance was in 2010. I want to say it was around 60000.00. Today I have a total of about 145000.00.

Wins and losses for 2019

December 28th, 2019 at 07:07 pm

While I do not blog often I do read.

Wins in 2019
1. Exceed step goal.
2. Lost around 15 pounds

Loss in 2019
1. Did not pay down as much debt as I would like.
2. Did not get rid of enough clutter,

Goals for 2020
1. 4 million steps. (Have over 4.3 million steps in 2019.) Stretch goal of 4.5 million steps.
2. Pay down at least 4000.00 of debt. Note my debt consists of car and mortgage. Credit Card is paid off monthly.
3. Blog more often at least once a month.
4. Lose another 10 pounds.

Weather

February 17th, 2019 at 08:15 pm

Not much going on. Survived the polar vortex at end of January. My work closed for a couple of days so no need to go out. This weather has been a bit different here this winter. Warmer than normal one day and colder than normal the next.

Wins and losses for 2018

January 1st, 2019 at 03:27 am



Wins for 2018
1. Hit stretch goal for debt payoff
2. Hit step goal for the year

Losses for 2018
1. Did not lose any weight
2. Emergency fund is dwindling from overspending.

Have a Happy New Year everyone.

Not much happening

August 5th, 2018 at 12:05 pm

Have not blogged in a few months. Have not had anything to say. Keeping up with bills. Debt is coming down very slowly.

New to me vehicle

April 22nd, 2018 at 09:03 pm

I decided to bite the bullet and purchase a new to me vehicle. Old vehicle need a new oil pan and had over 160,000 miles. I was terrified it was going to became a money pit.

Long time no entry

April 7th, 2018 at 02:08 am

While I do not blog often I do read.

Thought I would bring you up to date.

In October I had a small medical procedure Everything turned out okay however I maxed out my deductible and had to divert funds to my Health Savings Account.

Life changed a bit in November. My df suffered a hemorrhagic stroke. He was hospitalized for 4 weeks and 1 day. He is doing well.

Thankfully finances are on auto pilot.

I am still working on bringing down debt. At the end of March total debt is 77472.02. Just mortgage and Helco.

I am funding a car repair/replacement fund. There is a little over 2000.00 saved.

Well that is all for now.

Quick Checkin

June 10th, 2017 at 05:49 pm

These were the goals I have for the year.

1. Loose weight.
2. Walk at least 3.5 millions step.
3. Reduce debt by $3200

How am I doing.

1. Not good actually gone up a bit
2. A bit ahead of pace.
3. On the correct pace.

I am still saving 4& towards retirement. I know I am behind. I really want to pay my debt down. In the past month I increased debt payoff by 31.00 dollars. I know this is not a lot but it is a start.



Not much happening

January 16th, 2017 at 03:27 pm

I am finding it difficult to blog. I feel I live a boring life. During the week go to work and attempt to get in steps. Weekends are time to relax and recharge.

There are several things I want to accomplish this year.

1. Loose weight.
2. Walk at least 3.5 millions step.
3. Reduce debt by $3200




Response to comments

December 30th, 2016 at 07:44 pm

I would love to increase my retirement savings. In 2010 I was contributing 10%. Then the company I was for closed. I was out of work for 5 1/2 months. I had been an office manager at a car dealership. I was out of work for 5 1/2 months. I am now a payroll manager at small liberal arts college. I took about a 15% pay cut. We are on the second year without raises. I actually debated lowering the % however plan on leaving it at 4%.

Once I have my car paid off I plan on saving the payment for future car repairs/replacement.

My mortgage rate is 5.125%. Helco is 2.99 variable.

Where I am

December 30th, 2016 at 01:02 pm

I currently have 81,702 in debt. 75% is my mortgage. 24% is a Helco and 1% is my car loan.

I have a little over 100,000 in retirement. I currently contribute 4% with a 2% match.

I am in my mid 50's.

Thought it was time to start a blog

December 29th, 2016 at 08:55 pm

I have been reading the blogs for many years. Thought it might be time to start my own blog. I am in my mid 50's and most of the time feel like I am way behind on retirement savings.