Spending cuts and increases: Budget Update Jan 2014

COUNTING THE CHANGE   Staying on top of our end of 2013 budget spending cuts and increases are going to be critical for us in the 2014 year. If you missed our December 2013 budget update you can go back and read about where all of our money went and how our budget has changed for 2014. I’m pretty sure that 2014 will be full of surprises for us so we want to be prepared for the unexpected at least with money set aside for emergencies after the mortgage is paid. With our mortgage coming due in April to the exchange rate rising we hope that we are off to a bit of a kick-start. Hopefully in the next month or so we will meet with our financial advisor to go over our investments. We’d like to make some changes for the 2014 year and maybe even talk about if we can get a further discount for being 2 years smoke-free on our life insurance policies.   Spending cuts   Spending cuts came to us in the form of having to spend less in a particular budgeted category or having to move money in the budget to balance it out. […]

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