Thank you all for the words of wisdom from my last post. They were spot on. I am also revealed to hear that what I am experiencing is normal! I really do believe that the “let down” feeling after getting out of debt isn’t given near enough attention. Honestly, I never even saw it coming!
Over the next few weeks, I do plan on figuring out some concrete goals. Hubs and I have loosely followed Dave Ramsey’s baby steps (we continued to contribute to our retirement and still have credit cards~but they are rarely used and are always paid off in full!), so at this point, we are now on step 3. We will continue contributing to our retirement plus intend to increase the amount, and we also want to put more towards our mortgage. This doesn’t mean to say that we won’t be working on saving 3-6 months of living expenses, as that does remain a priority.
For now, I’ll work on the goals while remaining focused on watching the budget and will take some time to enjoy the upcoming holidays! Come January 1st, I plan to be back in attack mode with our finances.
Today I submitted our benefit choices for the upcoming year. There is always a bit of suspense when waiting on the info for open enrollment. I’m relieved to say that the changes are relatively insignificant. I added vision coverage for Hubs but opted out of adding money into our FSA. Last year we contributed $660. The company Hubs works for puts $840 into our account, plus we still have a little leftover from 2019. Since FSA accounts are a use it or lose it account, we will be sure to use what we have leftover before the March 15 deadline. When all was said and done, we are within a few dollars of what we are currently spending.
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