January Update...

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Howdy!!!

January has been fun and interesting. In 2011, I got baptized for the first time and I started going to Church regularly in September.  When you go through all the things I went through in the past few years, there comes a time in your life when you realize you just can't go about it alone. So, I had to rely on faith because I swear there were times when I felt there was only something or someone Supernatural keeping me on my feet...especially when I wanted to fall to my knees and couldn't get out of bed. Today, I smile! Today, I feel joy! That my friends, is progress and love!

Despite all the trials in 2011, I scored by first ever Distinguished Rating at work. Only about 2% of of employees score this rating so you know I worked my tush off in 2011!!! I volunteered for special projects and really focused on doing an exceptional job in the office. It paid off!!! I got a 4% raise effective at the end of this month. My salary is now $82k and I got a $16k bonus that also pays out at the end of the month. I have a credit card I've been using that I need to pay off and then I will be able to breathe a little easier!!!

Budgeting for 2012 has been a challenge! It seems like all of my expenses are jumping up including my student loans going up another $250 in June and my train pass going up 30%. Budget issues are being passed along to the consumer big time but I am hanging in there. I am going to look into refinancing my home with Obama's new plan which will allow me to take advantage of a lower interest rate without having to ruin my credit or miss a payment. The closing costs are less than $2k so in one year, I will break even if I can reduce my rate from 5.8% to low 4%. 

My boss asked me on Wednesday of last week to fly out on the drop of a dime for business. I was on a flight the very same night. Fun! I couldn't get back on Friday because my flight was cancelled due to Chicago's snow storm so I made it back on Saturday. Since I let my corporate card expire, I had to use my personal credit card so I will be putting in for reimbursement this week.

That's about it my friends. How did you guys do with your finances in 2011? What are your goals for 2012?