I just finished the January finances. I had 3 paychecks this month, which is 3 paychecks more than I had last month or the month before, etc. Anyway, we were able to fill our “non-emergency emergency fund” with $2,000. That is for things we should have seen coming, so they aren’t really emergencies, but we still need to have money for them, but we don’t normally put away money for them. Plus, I got the November family get-together paid for and I have the money for our upcoming April trip totally set aside! And I paid an extra $900 toward the mortgage on this place. (That wasn’t ALL from my paychecks, of course!) Next month we start paying extra towards another mortgage, as well.
There is no way to express what a great feeling this is, considering that only about 4 years ago, we thought we would never be able to retire because our finances were such a train wreck. And I don’t tell you this to brag or anything. I just don’t want any of you to worry about having to take care of us in our retirement because we were so out-of-control with our spending and finances.
The year of my not working was a good lesson in what it will be like to get by with less money coming in. But we were able to prioritize and make good decisions, so we still finished our emergency funds, even on much less income. That said, it is great to have more money coming in again!
That is, if I get hired on Tuesday. Only two applicants for the position. I know who the other person is and am not too worried, since he has no experience and I have 8 years experience in this exact senior center. But I know there is no guarantee, so I’ll be glad when it is all settled.
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