Knock on wood, indeed.
This year has been a pretty good year for us. A lot of our bills have been going down. (Cable went down just because. City switched to metered water and our bill has gone down considerably, etc.).
Our child graduates preschool in a month and will free up $300/month cash.
The other ones graduates in 2010 so our cash flow should increase considerably over the next couple of years. Likewise, a second job won't cost so much or won't need to be incredibly flexible. So it has been kind of weird as many around here (in "foreclosure central") are struggling, we seem to be going the opposite direction. As we graduate from one-income living. We are just kind of getting back to where we were before kids with our income and assets.
No debt but our mortgage, which is very reasonable and far cheaper than renting. No plans to borrow anything.
Healthcare has been a huge financial issue in recent years. This year are expenses stayed steady, which was a welcome change from the usual 10% - 40% annual insurance increases. It feels nice to get a breather for one year...
So all around, 2008 has been good to us.
|