As The Year Comes To An End

Paying Off Debt

Looking Back:

2016 was the year where I started to really understand my values and actually started living them.

  • Downsized to a smaller house
  • Downsized to a more affordable car
  • Switched to non-toxic products
  • Quit Facebook
  • Started walking to and from work
  • Discovered my love for yoga
  • Fell in love with reading again
  • Eliminated some toxic friendships
  • Got back into my environmentally friendly habits
  • Eliminated crap I never thought I’d get rid of, yet don’t miss one bit (such as: Kcups, nail polish, q-tips, perfume, etc)

I really fine-tuned minimalism and my possessions and am surrounded by the things I treasure most, with very little excess.

I made things simpler and stopped caring about what people think. I let go of so much worry and anxiety and the opinions of others. Simplifying has given me more time to do what I truly love. A smaller house and more affordable car have given me more resources to put towards my financial goals (paying off that mortgage).

Things just feel right.

I learned a lot about myself in 2016 and am excited to see what 2017 brings! There is still much to learn.

Looking Forward:

My personal finance goals for 2017 are simple. Keep going with my retirement contributions (max out Roth IRA and save at least 15% for retirement) keep my savings at $15k, and throw all extra money at my mortgage.

I want to keep exploring minimalism, environmentalism, nontoxic living, sustainably and ethically made clothing and other products, reading, yoga, and whatever else I discover!

The Present:

I got a car and am eagerly waiting for my appointment to sell back my VW in less than 2 weeks! More money for the mortgage!

It was a good month for my mortgage, as I put over $5,000 extra towards the principal. All in one day I got an “extra” paycheck (3rd one of the month), my VA disability payment, and tuition reimbursement. That was a good day! Starting 2017 with a 2.5% raise isn’t so bad either!

Paying Off Mortgage

I had a very minimal Christmas. Not in a Scrooge kind of way. I didn’t decorate at home and didn’t really do cards or gifts. I happily only received a few small, useful, minimalist things, which is perfect since I don’t want or need anything. My friends and I are more into enjoying a meal together instead of exchanging gifts. We had a potluck at work and I did hand out small gifts, so I experienced plenty of holiday spirit! I enjoyed the snow and Christmas lights in my neighborhood and had a low-key wonderful holiday weekend. Honestly, there was no stress and I did not feel like I was missing out at all. It’s different when I go visit family for the holidays, but when I’m here in Minnesota, I’m totally ok with skipping it.


If you follow on social media, you already know this but…I passed my big HR test! Longest 4 hours of my life as I could not get any sense of whether I was doing well or poorly! Halfway through I was thinking, “Why did you do this to yourself? This test isn’t required. No one is making you do it.” But I passed and I’m so glad I finally went for this goal that has been on my mind for 4 years.

I hope you all have a fantastic start to 2017!

In case you missed it, recent posts:

Design A Life You Don’t Need A Vacation From

Update: I Got A Car

Walking To Work: Little Change, Big Impact

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  1. You certainly had an awesome year! I’ve been inspired by the minimalist changes you’ve made, and it’s made me more interested in minimalism, too. I plan to explore this more myself, though it would look totally different for a family of 7. 🙂

  2. That’s so upbeat and inspiring, well done and I hope you have a brilliant 21017 that will further your goals. It’s good to see someone else who is embracing ethical living, although I’ve had to pare down my expenses as much as possible I just can’t overlook ethical choices. However I guess that for some, it’s a luxury that they can’t afford unfortunately.

    • Thanks Jen! As I’ve gotten more into ethical living, I’ve realized it really isn’t something everyone can afford and it has made me appreciate my situation even more.

  3. Pingback: Share the Wealth Sunday #89 - Morgan Manages Mommyhood

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