Not Impressed with our Debt – How Much Did Christmas set us Back?

As a child Christmas was my favorite holiday but as an adult it’s a stressor. I don’t know how my parents did it or how much debt it put them in each year but they were amazing. Reflecting back on Christmas 2021 thankfully the debt numbers aren’t so bad for this year’s holiday.

Going into November we were at $31,231.03 for debt and I am happy to say with all of the presents and eating out for Christmas we only went up in debt to $31,727.02 that’s just shy of $500. I can live with that.

Considering our 2021 was not the best year for us financially I hope to plan ahead for 2022 a little more. Although I could never have predicted Scott’s heart attack and the subsequent medical bills we incurred, I can plan for paying property taxes and hopefully get some money stashed away for needed repairs to the house without getting into more debt. And I am happy to say our biggest monthly loan payment will be done by June. Yay!

January will be an interesting month because we have the dreaded Town/County taxes due at the end of the month so I don’t see us paying off a substantial amount of debt. With the payments we automatically pay each month I expect the debt will go down about $800 so let’s make that our goal and with a few bakery orders I have this month let’s plan on putting $100 in the savings.

There you have it, 2021 is a wrap! Here’s to better health, both physically and financially in 2022.

Next update January 31st – MM

Published by marymargaretripley

I am a professional Bakery Manager at a privately owned grocery store. I also owned my own bakery for over four years. I have been baking for 15+ years professionally. I also teach canning and preserving classes and have been gardening since I was 5 years old. I live in Western, NY with my husband, teenage son, Bernie the Cat and Muffins the Hamster.

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