Reviewing YNAB for 2014 I am pretty pleased! There are a few areas to work on but overall we did very well. We bounced up our savings rate, did more for charity, still have no debt and had a lot of fun. I cant wait to see what 2015 brings!

First there are a few small things we need to get under control.
~ We ate out too much in November. I was ridiculously busy.

~ We got notice of a big cable and internet increase

~ I did too much charity Christmas shopping. About $250 more than we planned.

* set a hard limit for eating out of $75 a month. Have a list of very easy last minute meals.

* I have researched the rates of satellite so I am prepared to negotiate with the cable company again. I also did this a year ago. They are the only choice for cable internet here. I plan to do this Monday.

* I enjoyed every bit of the charity shopping so no changes needed there!

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We will be doing the FAFSA again in Jan which I expect will be again be the same as last year. A small amount of unsubsidized loans we thankfully didnt need.

There will be a small change in costs associated with one childs college beginning next fall but the other child also starts. Though he is now on his own I am expecting besides tuition he may need a little more help from us. Any savings from one child will likely go to the other.

My spouse will be getting a small !% raise. We will be bumping up the 401K 1%

I've got our $11,000 ready for the 2015 IRA's from cash reserves.

I need to get back to tracking all my extras earned!!! I'd like to do all of 2015.