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New Start

February 28th, 2018 at 12:24 pm


I am seeing the light at the end of the tunnel. I have two more weeks of classes and then I am 1/2 done with the Organizational Development and Change Certificate. The paper writing is hefty, and my confidence and motivation ebb and flow, but with the light at the end of the tunnel for completion of 1/2, I'm propelling forward (maybe more like catapulting).
The feeling of drowning has passed, thankfully.

Suprisingly, DH is still hanging on - migration of the work is complete, but they still need some financial analysts for reports through March or June. He will be receiving a partial bonus on 3/9 since company only met 55% of target revenue. Better than nothing.

I've decided to utilize the tax return to full fund a month's living expenses to give YNAB an honest attempt the way it is intended. I've been fairly diligent on tracking expenses since 1/1 and feel that I can move forward with an accurate idea of how each category should be funded. I also look forward to implement sinking funds monthly.

My parents gifted us their '07 Honda Odyssey. They offered us the car with no warranty or $3,500 which would be the trade in. We currently have an '07 Dodge Caravan that is on its last legs, so this is an upgrade. It has all of the bells and whistles and has been lovingly maintained and its actually a huge upgrade to us. We do consider this a huge blessing and are hoping to make this one last for the next several years.

We have remained at 10% contribution for 401K, but I do need to be more future-oriented in putting other funds away. I am hoping to be able to do so upon becoming employed by target date of June.

I hope everyone is moving forward in 2018 and achieving their goals!

5 Responses to “New Start ”

  1. Dido Says:

    Sounds like nice progress year to date. Congrats on feeling "over the hump" with your certificate program. I'm *almost* to the 50% mark with the certificate I am pursuing, and I am definitely much more pumped as the halfway point is in sight than I was when I was just a quarter of the way through. I hope you are getting as much of a motivational life as I am from the progress!

  2. Carol Says:

    You are doing so well!

  3. creditcardfree Says:

    Yay on the halfway mark!! We have a 2007 Honda Odyssey that we have owned since 2008...and it's still running like a champ with 125K miles I think. We really hope to hold on to it for four more years...to get the kids through college!

    I love YNAB, but I don't actually work one month ahead. I theorectically could by putting some of our EF in there, but since we have that, I just budget 1/2 a month at a time (when we get paid). Maybe I'm not getting the full benefit either, but I still like it.

  4. FrugalTexan75 Says:

    You are almost there! What a wonderful feeling to be able to see the finish line.

  5. rob62521 Says:

    Nice gift of the vehicle.

    Congrats on being halfway there! The end is in sight!

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