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Merry Christmas Friends

December 26th, 2015 at 05:10 am

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?

7 Responses to “Merry Christmas Friends”

  1. VS_ozgirl Says:

    Very much so! Christmas craziness which while good, is over, so while winding down is the perfect time to reflect, regroup and reorganise. I will be plotting and planning, jotting down plans, blogging and redoing the sidebar. Looking forward to seeing your 2016 goals!

  2. MonkeyMama Says:

    Merry Christmas Ray!

  3. Ima saver Says:

    Happy Holidays Ray. I hope 2016 is a wonderful year for you!

  4. snafu Says:

    Happy Holidays ! Delighted that your 2015 was a blessed year with goals met and wonderful memories. The holiday period is time we spend with good friends and house parties. It's very cold here and driving is scary so it's been our habit to do a major de-clutter eliminating items we haven't used in the past year, letting go of the old to make way for new ideas, methods, and even stuff.

    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.

  5. ceejay74 Says:

    Yes, I've been mulling over goals both financial and non, as well as a review of what happened this year. I keep thinking about writing an entry on them and then getting distracted and/or lazy.

  6. FrugalTexan75 Says:

    I love that you plan on retiring in the next four years! Smile Then you can make a trip to NE, right? Big Grin
    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.

  7. rob62521 Says:

    Sounds like you had a great Christmas!

    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.

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