Over the past month or so, it feels like our finances are settling down a bit, & I'm incredibly grateful that things are going well again. We received quite a bit of money back (around $3900) after our refinance closed (this was expected- one payment was taken out by the bank even though the loan was closed, & we paid quite a bit back into escrow knowing we'd receive the money from the old escrow account at the end of the transaction.)
I figured out 95% our tax situation (waiting on M to upload a few final interest details so we can wrap this up), & while we owe quite a bit (a little under $15,000), I have the money earmarked from another account. We've also adjusted our with holdings for next year to avoid yet another tax snafu.
I also discovered that I'd miscalculated M's income, and our 2013 budget was based on a lower amount that needed. I'm kind of liking the tightness of our current budget (well, a little more wiggle room would be awesome) & knowing that we can stick to the revised budget is pretty empowering, & the more we can stick to our lowered budget, the more we can apply to our long-term financial goals - mortgage pay down (both houses) & fully funded college accounts for the kids.
As part of the refinance reimbursements, I was able to rebuild our emergency fund back up to $10,000, which feels so very good. I also have nearly $800 in my travel fund, as a result of my snowflakes & just some extra money from 2012 that was lingering in that account. I should be able to buy our plane tickets to Las Vegas in the next few weeks! Yeah!
I'm also starting to think about our gardening plans for the summer. I wish my father-in-law was here this summer! My in-laws stayed with us a couple of years ago, & he planted an elaborate & fabulous garden as his hobby to entertain himself during the day.
Do you get bored when your finances seem to automate themselves a bit? How do you stay motivated? I find that continuing to track my weekly expenses helps somewhat.
Are you thinking about your garden? What are you planning for spring?