This year will undoubtedly go down as a year of change for a lot of people. The markets crashed, companies failed and America elected their first Black President. Although I saw all of these events occur they really had little impact on me because I was living my own year of change. For me this was probably the most eventful year in a long time; this year I:
- Changed jobs twice
- Bought and moved into a new house
- Struggled financially
- And most importantly my wife and I had a baby
All in all this was a good year and one I learned a lot it its also one that I will remember for many years to come. The above items are some of the key items that I remember when I think about this year; there was a lot more that occurred but these are the items that I really remember.
Changed Jobs Twice
I have worked since I was 19 years old and gotten firmly entrenched in the rat race. For me this translates to needing to have a job at all times just to keep my bills afloat. I am still living from paycheck to paycheck and I probably will for a couple years more. With this said having a job that I like is important to me, not to mention one that pays well. The first job change this year was not by choice the company I was with was constantly in flux and I fell out of being needed, so I ended up with a smaller organization which I really enjoyed unfortunately they didn’t pay me as much as I needed. By the time our daughter was born I was starting to feel the financial crunch. I went back to a position that that I both enjoyed and was good at with a larger organization. So far I think this is the best conscious choice I’ve made this year.
When I took the job with the smaller company they weren’t able to pay me very well, the experience was great but when it came to paying my bills things were starting to suffer. I haven’t gotten a credit score in a couple months but I think I might have hurt my credit rating because of all of my difficulties. I really learned the meaning of want and need because of this and I believe that I am better for it now. The good thing here is that I was able to keep everything mostly on track where in reality things could have been far worse. With the baby and knowing what its like not to make a lot of money I am in a far better position to get out of debt and hopefully in time the rat race. Being broke is not a way I want to live my life anymore, the stress of it isn’t worth it and I am capable of getting out of this situation.
Bought and moved into a new house
When I met my wife she already had a place and I moved in with her, because we were expecting a child we needed more space and decided to move. For me this was the first time that I bought and moved into a house I owned. There was a lot of work that went into this and I’m thrilled with the house. There is a lot of work that still needs to be done and that will happen over the next few years. We managed to get a great deal on our house so the bursting of the housing bubble really hasn’t impacted us and as we make improvements and update this house over the next few years we should be able to make some money off this investment. Though I have to say there is a lot of work that goes into maintaining a house rather than a condominium or an apartment.
Having a Baby
Back on October 4th my wife gave birth to our daughter and I know that this day is and will be the most profound day of my life. Everything has slowly been changing in our lives as a result and I wouldn’t give any of it up. She’s precious and demanding but neither of us would trade this away for our old lives. She still requires all of our attention and the work and effort is made worth it by a single gummy smile. For her I am grateful and she makes me want to be a better person and I know over time she’ll succeed in making me one.
I have grown up a lot this year and my priorities have shifted around a lot; this isn’t better or worse than what my priorities were last year they are simply different. I have a new perspective on life and I am glad I have it. Next year will not be the year of change but the year of settling down. It doesn’t mean there won’t be a lot of change, there will be but I am hoping for a little stability and hopefully getting some of my finances under control. This year has been a year of change for a lot of people and each one of them has a story, this was mine and it wasn’t controlled by the markets or politics, it was also my year for growth. Tomorrow I’ll post some goals that I have for the New Year.
Have a great New Years everyone!