For all who celebrate, Merry Christmas to you! I hope your day was filled with joy-
For all who do not celebrate, happy Holidays!
I am enjoying a peaceful night of quiet and reflection- thinking about what went well in 2015, and what I want to accomplish in 2016.
2015 was actually a very good year for us. The family is healthy and happy- we made some great new memories, and achieved many of the goals set.
My boss asked me last week if I plan to retire eventually. He was just genuinely curious and I didn't feel at all that there was an ulterior motive behind the question. I explained that we are on a (now) 4 year plan. Everything will be paid off, except the mortgage, in 4 years and we will have a nice savings built. The hub will work for several more years- as he is younger than me- but in 2020, the option to retire is there for me if thats the route I want to take. I was reluctant to say out loud that retiring is the plan in 2020, but left it that my option to do so is there. I will be 59 by then.
DD3 turned 24 yesterday. Hard to believe. Time is sure flying anymore.
I love the week between Christmas and New Years. For me, it is about setting new goals and planning for everything we want to do for the next 12 months. There is something about the new year that motivates me. How about you?
Merry Christmas Friends
December 26th, 2015 at 05:10 am
December 26th, 2015 at 10:08 am 1451124526
December 26th, 2015 at 12:35 pm 1451133323
December 26th, 2015 at 04:04 pm 1451145890
December 26th, 2015 at 05:51 pm 1451152263
We'll review the goals of the past 6 months particularly and make very significant changes as our economy here has crashed. The job loss numbers in this city are staggering. We're told for every dollar reduction in the price of crude, the loss is $ 5 B. Our new, inexperienced government and portfolio ministers means anyone who understands anything about the basics of finance, runs scared. We've opened our doors to the refugees from Syria, Egypt and Iraq while the deficit is about to take off into unknown territory. We do not have the population to sustain American style deficit operations.
December 26th, 2015 at 07:14 pm 1451157271
December 26th, 2015 at 07:24 pm 1451157881
At the end of each year I have the double whammy of being a year older plus getting ready for a new calendar year. So, yep, very much a time of thinking about what changes I want to make for the following year.
December 27th, 2015 at 09:50 pm 1451253042
The four year plan sounds great. It will be a nice feeling knowing you have so much paid off and that you are truly planning for retirement and four years should go by decently fast. We also did planning. Fifteen years ago we decided to figure out our long range goals for retirement -- the house had to be paid off before DH could retire. I started making sure other things were taking place too for my pension. I subbed almost two years and back then they didn't take out for teacher's pension, so I "bought" those days. As we started making more money, we started better funding our retirement accounts as well. DH didn't even have a retirement account up to this point. Seeing that commercial where folks are running a race and being asked if they are ready for retirement certainly should hit home. Best wishes as you plan and carry out your plan.