The DJIA was down 5% for a week due to international fears from the diving oil prices that are down nearly 50% since June. Russia's economy is largely affected by oil and there were jitters. But the American economy bounced back, reached new highs and then retreated2%the last two days of the month. I bought a HP computer to use for dictation and paid cash and we also traveled to Minnesota and spent quite a bit on Christmas. I charged sapphire earrings for Mary Sue at her jewelry store in Willmar for Christmas. Hopefully we can pay off the Lincoln in 2015. We saved more for retirement this year than in any previous year, over $23000. The previous high was the year before that of $15500. We plan to save $26500 for retirement in 2015. This would mean a nearly 7% increase in retirement based upon $380500 in there now. This last year our contributions to retirement increased also about 7% due to contributions and just over 7% for the market, leading to just over 14% increase overall. Our net worth increased for 2014 just under $100K, for which we are grateful. A really great and awesome thing was paying off the student loan in April of 2014. That had been a horrible burden. We then bought the Lincoln and spent $3000 on a down payment and with taxes and car repair and licenses and debt reduction on it, paid another $13000 on it. For the first time we have a couple of decent cars.
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