I know from your comments that a number of you have had a rough year this year. Even though Tim and I have relatively stable finances, several expenses threw us for a loop.
First the good stuff:
- We had a full year of Saved Savings. That brought in over $2,200 that would probably otherwise have been sucked into the ether of our general spending.
- We also refinanced. Our monthly payment went down by about $60, but that includes getting rid of the $78/month PMI .
- I was able to sell a couple of freelance pieces.
- My boss is pretty good about giving me projects if I need to add a few hours to my paycheck. Which I did. Several times this year.
- I got a bonus at the end of the year. That bodes well for 2015.
On the other side of the equation….
- We had to make repairs to the house in order to refinance. Cost: $1,500
- During the refinance, we found we had been put into collections by our old apartment complex. Cost: $840.
- We made our house more energy efficient. Cost: $3,500. (At least our electric bill is now $80 less!)
- But I also thought we’d be installing our own insulation and prematurely bought discounted (non-returnable) Home Depot gift cards. Cost: $700ish.(They’ve been slowly getting used for other things but… sigh.)
- We found out we had to fix our front door. Cost: $150.
- We had to replace a toilet. Cost: $225 including labor.
- We had to get Sandy diagnosed and ultimately put to sleep. Cost: $800ish over the course of three visits.
- We had various yard expenses (new to us) totaling about $600.
- We bought a new dishwasher on Black Friday. Cost: $700 after cash back.
- Our water heater died shortly thereafter. Cost for it (and a couple other repair jobs while the plumber was here): $850.
That’s just under $16,900 for those of you playing along at home.
In short, a painfully expensive year. We have several large expenses on the horizon (guest house HVAC, masonry wall and Tim’s teeth), so I can’t say that next year will be significantly better. I guess I’ll just hope there are fewer surprise expenses. That’d be lovely.
What things make you glad to see 2014 in the rearview mirror?