It all started when I started mentally recapping the year 2019 in my mind. It was a good year. It was memorable. It was productive. It was also very expensive.
Then my thoughts took a turn toward the financial side of the year past.
How can I start the new year right - with a new budget in place, pay off an outstanding loan from the year past AND save up for income taxes?
I looked backward and studied the money I spent. I looked forward and tried to orchestrate a budget I can live within. I added up all annual expenses and divided them by twelve to re-institute "annual expenses" back into my budget. The less I earn, the better I manage my money. This was a very financially irresponsible year.
I need to curb my spending, pay off debt and cover my tax bill while hoping no unexpected expenses arise.
Would I change a thing about the year past? Not in a heart beat.
House renovations were long overdue. I wish I had crossed fixing up the bathrooms off the list. If I had, I would be in a pretty fine pickle right about now. Thankfully I reined in my wishes and tabled bathroom renovations for another decade.
Many fine memories were made as I went where I wanted to go, did what I wanted to do, issued invitations on one hand and accepted them on the other.
It was a very good year but I am not quite in the head space to write a Christmas letter at the moment. I need to pick my head up and look above and beyond my financial spreadsheets. I need to find my whimsical side.
When I look up and out of the dollars and cents part of this life equation, I see so very many good things. At the end of the day, I turn on the Christmas lights and find my inner joy as I glance out the window in hope of spotting a rabbit.
It takes so very little to please me. I can read, write, visit and spot rabbits without leaving the house or spending a dime. So where the heck does all the money go? Just give me a sec and I can account for nearly every penny!
This is no time to write Christmas letters. I'll save that for a less financially minded day. I think I'll go watch for rabbits now ...
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