This has been a hell of a year. Tons of ups and downs!!! Let’s see how I’ve done on my 2016 New Year’s Resolutions…
1. See my parents and my grandparents at least once a month.
I was able to visit my grandparents a ton right up until they both passed away this year. I was seeing them anywhere between 3-7 times a week. It was sad but I wouldn’t change a thing…I cherish the last bits of time I was able to be with them in their right minds before the end stuff steals away what makes us who we are.
I mentioned in my 3 month update that my dad broke his collar bone. He’s 95% healed up and seems to be doing comparably well! My mom has had fibromyalgia for a while and this year, it’s kicking her butt. But I still have been getting to see them pretty regularly. I think we’re actually closer now than we’ve been in years.
My in-laws are still doing well overall. My father-in-law has ongoing pain problems that seem to attack an area and stay there for a while. But he manages to do things anyway. We’ve seen them about once a month. They are enjoying retirement. My mom-in-law is creating baked goods for sale (http://www.outontheveranda.com/delights)…delicious and addictive!
My husband’s great uncle had made a full recovery from a brain aneurysm earlier this year but had to go back to the hospital for colon polyp removal (especially since one was malignant for sure). He’s made another full recovery! Strong at 86-87 years old!
My husband’s maternal grandpa is still kicking butt with his new knees at age 89 (water aerobics twice a week for 30+ years for the win!). His paternal grandparents are doing well too – scares here and there but overall, okay.
I’ve told everyone that they are to stay alive and healthy through 2017 or I will lose my shit.
2. Regular friend time.
I’ve been relying on my friends more than ever. My friends keep me laughing and on track even through the roughest of times. Oh, and my bestie, Dee, is pregnant!!!
Dee has really had to hold me up sometimes. She has a dark sense of humor (like me), so she gets it. She also only lives 15 minutes away now, so we see each other 2-3 times a week.
Mandy secured a full time teaching position (yay!), but that means she’s a first year teacher. For anyone who doesn’t know, first year teacher’s operate in an alternate dimension – they are technically around a few hours every night, but for most intents and purposes, they don’t really exist.
My other close friend (the artist), William, has been a rock this year. He’s awesome.
Hillary, Gary, Dean, Jenn, Luke, John, and our other gaming friends have really been there for me all year. We’ve been able to grab meals with each of them occasionally throughout the past 6 months too.
The other couple we were double dating with (the one that inspired my post about 75+ Tips for a Cheap Wedding) also had a tumultuous year. Their home was broken into twice, so they decided to move back into their first home (had been their rental for a year). The poor guy tore his ACL at the beginning of the summer, had surgery, and he’s still recovering. But their wedding in Nebraska was in October, and it was amazing!!! They make an amazing newlywed couple!
Despite the sad parts, we hosted monthly potlucks as usual. I took separate trips with Dee and William. I was able to connect more with Dwight and John. I truly learned to appreciate what we have…an amazing support network that deserves the very best of me.
3. Max out both Roth IRA’s for 2016. That’s $11,000 overall.
DONE IN JANUARY!
Oh, and I haven’t been happy with the percent of our income we’ve been saving for the future specifically, so we started a SEP IRA and will be attempting to max it out every year. That will make our total IRA contributions about $25,000 a year and that’s 25% or more of our pre-tax income. That’s where I wanted to be. We had been trying to save up cash instead to buy rental properties, but the banks were making that so difficult with self-employment income that I’ve decided that retirement savings and paying off our current house early is the way to go.
4. Maintain our $15,000 emergency fund.
Since we have been aiming to make a baby, we were aiming to keep our emergency fund at $15,000…in fact, Mr. BFS wanted us to try for $20,000. We hit it!! $20,000 pure padding!!!
5. Maintain our $20,000 self-employment fund.
Yep, on top of the investment fund and emergency fund, we also have a $20,000+ account that we use to pay ourselves each month for our online business. It fluctuates as we bring in more or less. But overall, I like to keep it at $20,000 or more because I am scared shitless of having no backup if our business ever crashes. So we officially have 6 months of income ($40,000, which is actually around 7-8 months) set aside just in case the worst happens!
6. HEALTH. I will weigh 150 pounds or less by July 2016 AND won’t go over 150 again in 2016. PERIOD. I was between 160-165 on January 1, 2016.
I wanted to lose weight and keep it off mainly for my back and joints. As of January 31, 2016, I was at 159.6. As of March 27, 2016, I was at 153.4. As of October, after all the nursing home and hospital visits and funerals, I was back up to 168. I’ve stayed there. I’ll be making my health a priority the rest of this year and in all of 2017!
Five out of six ain’t bad. 😉 I’ll take it! How are you doing in 2016 so far?
FYI: I worked at a dead end cubicle job from 2005-2011 for about $30,000 a year. I went self-employed in July 2011 and make between $80,000-$100,000 through blogging, a rental home, and professional pet sitting. If you’d like to start your own site (link to my free step-by-step guide), I highly suggest checking out Bluehost (my referral link with a nice discount for you). I even have all of my favorite tools on a resource page - I hope they help you too. This all gives me the time to be with my aging family members, the flexibility to stay close with my friends and family, and it should help if we finally get pregnant too! Please contact me any time at budgetingfunstuff*at*gmail*dot*com with questions or just to brainstorm! I’d love to help!