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¿Question #222711?
PolarDad: Working on personal finances. Closing out the books on 2021. Working on budget and long range planning for 2022. Was 2021 a net loss or net gain for you?

freechinanow: Gain. But other than daycare and condo fees, I have no major expenses. Paid off the mortgage this year, so that’s a chunk of change back in my pocket monthly. I still spend relatively little on new things, with most material possessions coming into my home being of the second-hand variety. All told, I usually save about 6-$10,000 a year. (Canadian, mind you.) That entire savings was going to the mortgage. So now while I’m saving again, we definitely need to renovate at some point. At least put in a second bedroom (our 3 year old sleeps in our bedroom). Wish we could move, but nothing under $1mil in Toronto at the moment. Very frustrating.
oriecat: Loss for me, only been working part time, so income for the year is likely to be less than it's been in like 15 years. And I had some large expenses at the end of the year for various things, so my bank account is down a lot.
RealGuest: I'm pretty sure I have more games now than when I started 2021. I'm not sure that's a gain, though. Except for Xia. That's definitely a gain.
pricero1: As I was living purely on savings, definitely a planned net loss.
pwilz: Wife inherited a house in Florida, so definitely a net gain.
mattomaw: No idea.
0Shea0: Loss. Did not catch enough fish to cover my start up costs and repairs. Sad. Probably be done fishing.
Woelf: Definitely a net loss. There were lots of extra, unavoidable expenses this year, so the credit card debt went up significantly after being completely paid off for a short time last year.
PolarDad: Savings took quite a hit due to medical expenses but Roth grew enough to even it out. Monthly budget shrunk with one kid becoming independent another moving into a college dorm.