Lessons Learned from 2014 and Happy 2015 to You!

Happy New Year, everyone!!  I hope everyone had a wonderful holiday season and an amazing start to 2015!  I know I tend to begin this way, but apologies again for being so MIA.  My last month of work before maternity leave was all sorts of hectic that it was hard to even check on everyone’s blogs at lunch, but know that you were constantly thought of and that I missed you!

20150102_100614Before I begin, though – serious big shout-outs to The 1500’s, who were kind enough to not only hang with B and I during their SD getaway, but also gave us these amazing Warren Buffet and Charlie Munger duckies for our soon-to-be little one (along with a Warren Buffet book on personal finance for kids)!  Coupled with the Star Wars characters we also received from our baby shower, bath time will be the most epic Berkshire Hathaway shareholders meeting EVER! 🙂

I’ve officially been on maternity leave for the past two weeks (which fit in well with the holidays, anyway), and while I had hoped our soon-to-be arrival would make an early appearance to maximize the “pre leave” with him, apparently he is telling us “You’re not the boss of me!” as it looks like he might be even later than the expected due date. 🙂 It kind of fits in well as I was two weeks late and B was a few days, so I suppose he’s just keeping with tradition!  Needless to say, we’re anxious to meet him and I’m especially excited to hopefully be able to go to restrooms and turning over in bed soon without having to do a 5-point turn. 😉

I also wanted to reflect a little on 2014 (updates on whether I passed/failed have been updated in my 2014 goals list!), and what I hope to accomplish in 2015 pf-wise.  In 2014, I not only remained debt free, but also managed to accrue a nice sum in my retirement, savings, and investment accounts due to a new job and salary increase, living well below our means, and just becoming more savvy with savings and investing strategies in general.  We’re also thankful and excited about all the wonderful hand-me-downs we received in terms of baby items which saved us quite a pretty penny, and I can’t wait to return that favor to others someday, as well.

I have to be honest, though – despite being debt free all last year and feeling pretty empowered due to it, I did still remain quite anxious and uncertain with myself when it comes to finances.  Though I did give myself allowances for some splurges every now and then, I did still feel insecure at times about “going back” to my spendy ways, regressing in my/our goals, or just not having as much in ‘the reserves’.  I suppose this anxiety is a bit valid with the last component, considering the expenses for this year with daycare and baby expenses, and perhaps buying our ‘forever’ home if we’re lucky enough to find that match we’ve been looking for (especially this one, since 20% down payment is a pretty hefty sum to ‘part’ with).  However, for 2015, I’d like to be more financially confident in my decisions.  I’d like to be able to trust myself in this arena a lot more, so much so that it becomes second nature.  Thankfully, I do have some tools and techniques I can base this off of (i.e., when I maintained my weight loss back in my 20’s and 30’s), but I also know that reading PF blogs and doing ‘self check-ups’ with myself are key in keeping this up.

So with that, I have to be honest in that I’m not sure of when I’ll be able to post again while I’m on maternity leave (though I will at least strive to announce his God-willing healthy and safe arrival!), at least, but I do intend to keep up with all of my PF friends as much as possible!  I hope 2015 brings you lots of health, happiness, and prosperity, and I wish you all the best! 🙂

 

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