Saturday, March 28, 2015

Long Time no Posts but Good Stuff Today!

So I dropped off for a long while.  I've been very depressed, been through massive change with my work situation and have a new injury that has really set me back.

I await to see the orthopaedic surgeon and find out if I need surgery or more physio.

I have increased my work hours to 3/4 time from half time, and I have left my previous employer of 24 years.  It has been a big change.

Some good things are a very short commute, very easy physically, better hours, same pay.  Some not good things are very low job satisfaction, I miss my colleagues and I miss my routine.

That's the employment story.

The debt story... well at least that is a happy one!

  • Mortgage free since Feb 2012

We had put car and truck purchase on line of credit (This was up to the spouse to pay off - not me) and as of this week it is FINISHED!

We owe nothing - to anyone!

I have been updating my own and our joint net worth and we are in a very good position.

I have a full emergency fund.  I have maxed out my RRSP's.  I have a savings account for house improvement and any crap that happens. I will use this for the new A/C unit we need before summer, any car expenses, other crap that pops up.  I have a Vacation account so that the trips for this year are already funded.  I also have RESP's ready to go for both kids #1 and 2 this fall.

We have some vacation scheduled in a couple months and in the fall for our 10th anniversary.  We are also going to do a warm holiday in the winter and a ski trip to the mountains.  That is going to be the priority.  Vacations!

My kid #2 graduates from high school this June and will go to University.

Kid #1 is still in University but hopes to get into a college to get his Major finished in 2 years.

Kid #3 is still very active in sports and so that takes up 4-5 days a week.  My new hours accommodate this without a problem.

Somewhere in there is some "Me" time.  With the weather warming, more days off and less physical strain at work I hope to be feeling better.  Both out of this funk and getting into better physical condition.




The Good Things:
Income tax returns are very good again this year because of my RRSP deductions
I'm at least not making my injuries worse at work anymore
I have great hours

Things That Suck:
My family are a bunch losers (unchanged)
Spring is taking forever
Groceries cost too much!