| Rough year this year. College costs, frozen salaries, furloughs, cut hours, home repairs, car issues, and overall struggling to meet what I thought would be easy goals. Neither the wife or I are finding it easy getting into the Christmas spirit.
Minor shifts in retirement and home to the plus side. Slow, very slow, debt payment because I want cash reserves to recover in anticipation of more college expenses in the upcoming semester, so I can expect less cash after the new year. No matter how the Congressional budget turns out I expect to have less real income from my job and my spouse is likely to have hours cut post the new year because her boss, despite a high skill level, does not understand basic customer service and respect. Another lean year ahead, yeehaa! |