Back in January 2013 I presented how the past year has treated us. 2012 was important for me since it allowed me to ‘clear’ out two very important things in my agenda: eye surgery and finishing my car payments. Even with these 2 events it was already shaping up to be a good year, on top of solving my health issues and becoming debt free we also spent quite some time abroad, doing some extensive traveling.
For 2013 I had some financial goals in my mind and also one on a more personal note, which I didn’t write down anywhere – to get married.
From a financial standpoint I had in mind a certain income from my freelancing career, which I almost achieved. I had some pretty high expectations for the year and came pretty close. The savings were probably around the estimated 33%, but we did have to dig into the money for everything this year brought us.
The ‘unexpected’ meant having some health issues earlier in the year (which got solved easy, but cost us) and also having my main computer die on me, which meant I had to purchase a new one to be able to run my business. The most wonderful unexpected thing was us getting pregnant 2 weeks after I ditched my pills. I thought we’re gonna do OK if we got pregnant in 2-3 years time (afterward I’d start really worrying and trying other options), but it looks like ‘someone’ wanted us to succeed.
So, at the beginning of June, we both got the best news in our lives: we’re expecting.
As you can imagine, the costs skyrocketed, with all needed for our daughter, but we didn’t mind. My husband’s side of the business took quite a while to earn us a decent revenue, so we lived from my web design income 3 quarters of 2013. Still, we managed to pay for everything, had a great vacation, covered all the expenses (taxes, car, food etc.) and prepared well for the little one, for when she’s gonna arrive in the family.
What I’m very proud is being able to stick to my expenses tracking routine. I feared I’ll lose interest during the year, but it wasn’t the case. I wrote down each and every expense/income and in the past months also started keeping a separate budget. Of course, it’s annoying to see how many unexpected crap appears at least every 2 months, but all this ‘accounting’ helped me have a better view on how we’re doing financially and if it’s possible for us to improve how we handle money.
2013 was a pretty good year. OK, it was probably the best so far. We got pregnant, we did get married, we did well financially, we were able to pay for everything, save money and enjoy a debt/worry free life.
For 2014 my goals are pretty similar: to earn at least as we did in 2013, to be able to save for everything we have in plan (and there’s a lot: from the birth itself, stem cells storage, christening, a 2 week vacation in Croatia and her separate savings account we’ll start since she’s born), plus everything we cannot plan for, get some more money for our retirement etc.
I just hope we’ll be healthy and our daughter will be delivered save and sound. If we are healthy and we do get along as we did for more than a decade since we’ve been together, I think 2014 will turn out to be OK.
What resolutions have you set for yourself this year? How was 2013 for you?
PS: A Happy New Year to you all and thank you for visiting the blog.