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!
New Start
February 28th, 2018 at 08:24 pm
February 28th, 2018 at 08:34 pm 1519850073
February 28th, 2018 at 08:41 pm 1519850506
February 28th, 2018 at 11:05 pm 1519859159
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.
March 1st, 2018 at 12:46 am 1519865163
March 1st, 2018 at 08:52 pm 1519937545
Congrats on being halfway there! The end is in sight!