I think we've hit our breaking point.
I fell behind on our charitable giving last year, so I tried to make up for it last month and this month. It has made our budget very tight.
We had the big hospital bill to pay. We had Christmas (and we went pretty light on that).
We paid property tax early, from an underfunded sinking fund.
We have the money for all of our living expenses, but I've got so much going to retirement that it squeezes the rest of our life. Plus throwing extra to the mortgage, trying to reach an arbitrary goal I've set, and I'm feeling the pinch.
The problem is all mine. DH would have no problem if we took a little longer to pay off the house, or if I pulled back on the retirement savings. He wants us to continue to live frugally, but if we want to do something / give something / go somewhere -- that we just do it. I'm the one who thought - well, we're living pretty frugally, I'm just going to see how much I can squeeze without anyone noticing.....
So I didn't hit the mortgage goal by December because I increased the giving (as I should have been doing all year). In January, since I resolved to be less stingy, I've followed through on that.
I guess this is what I knew would happen, we hit our point -- now the question is do I back down the ROTH, back down the 401k, or try to work more hours to make the extra leeway we need in our budget?!
There's still so much I wanted to get done before April too -- I wanted to throw a couple thousand in my new Individual 401k just to get it started, I think we're going to owe some taxes (probably between $500-$1000, need to go ahead and change the w-4 YET AGAIN, grrr). I wanted to knock down the mortgage -- but after the past couple of months I think this is even on the back burner for me.
This is just rambling, I know. I am having a hard time expressing myself to my DH because all of the money decisions & goals should not be stressing me out -- especially since I'm the one putting the pressure on myself.