Money Makeover – A Year of Savings

Like many of you, we had high hopes of saving last year.  We decided to address budgeting a little differently, and resolved to stick with it.

Last year was an unusual year for us.  But financially, it ended up pretty good.  Despite the emergency travel, and the emergency kitchen appliances, we were able to save more than we have in many years.

Changes in emergency fund accounts helped a little, mostly in our outlook on the process.  And when that happens, the excitement starts, and, well, the situation just gets better.

While our savings increased, our giving increased substantially, as well.  Wait, reverse that.  I really believe that because we gave 10% off the top, we were blessed in many ways.  I realize many people find that counterintuitive, but trust me, it is a phenomenon that actually occurs.  Giving, joyfully, unquestioningly, the first fruits of income, provides a trust and a peace that things will all work out.  And, lo and behold, they sure do.  It’s an attitude thing.

Our spending went down.  At least my spending went down.  I’m very okay with that.  We’re comfortable with less.  Really.  Maybe we’re just too busy to dwell on things that don’t matter, on things.  Maybe we’ve retrained ourselves to not want.  Maybe it’s a combination of things.  Whatever, we’re good.  I’m more focused on decluttering and getting things out of the house, than on accumulating.  I’m more focused on cleaning up and using what I have (sometimes in new ways), than on getting something new.  It’s working for us.

This year, I have savings goals, and plans to get there.  Oh, yes, there will be projects!  Projects on the house, and travel to Arlington.  Amid it all, we will be saving.  If my calculations are even in the ballpark, we’ll have an excellent year, financially speaking.

How did you do last year?

What are your plans for this year?

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