Budgetboost.co is supported by its readers. If you click on or buy something via a link on this page, we may earn a commission.

My Personal Recap of 2010

The way I see it, we had one heck of a year!

Financially Better

My husband finished graduate school last summer, so we were able to stop forking over that cash.  PLUS, he was able to get a school librarian position that pays about $4000 more a year than his old teaching job.

I discovered blogging and made more than $5000 after expenses in 2010.  After taxes, I should still come out ahead by at least $3000.  My husband continued reffing high school football as a hobby job and brought in another $2000.

Overall, our net worth went from $124,700 to $166,900 – up $42,200 overall!  In short, this was our best financial year ever!

Emotionally Better

2010 was a great year for us mentally as well.  We both made new friends, which is an emotional life saver in and of itself.  I found the best hobby ever through blogging (thank you all).  Mr. BFS discovered the joys of a new hobby too – Curling.

We also found out that he was suffering from a mild depression due to his old job – he’s felt like a new man since becoming a librarian in late August.  Lastly, we both learned to communicate a little better and support each other even more, so our home life is better than ever.  🙂

Tough Parts

Of course, there were some very hard parts of 2010 as well.  My husband’s maternal grandmother passed away in May.  She was the first close family member that either one of us has ever lost.  She was a great woman – extremely loving, positive, and friendly despite the pain she had been in for years.  I’m glad she isn’t suffering anymore, but saying goodbye wasn’t easy for anybody.  The toughest part to handle was that she and hubby’s grandpa had been married for about 60 years – the death of a spouse in a relationship that long is mind boggling.  Grandpa is getting along better than expected, but it is obvious he feels like he is missing his other half.

That loss was by far the worst part of 2010.  Graduate school and job hunting for Mr. BFS was our only other really bad time.  Mr. BFS took way more hours than a normal graduate student for librarian sciences since he wanted to finish in 15 months instead of 2 years.  That meant we had to come up with $15,000 over 15 months.  Between January-August, hubby was finishing the last semester of teaching, taking 5 classes for graduate school, job hunting, and he lost his grandma.  That was a very difficult part of the year.


If I had a drink on me, I’d raise my glass right now to the tough times and great times of 2010.  We made it through and are better for it.  Our happiness increased, we didn’t fall for a Paypal email scam, and we are doing better than ever.  Here’s to a great 2011 as well!

How was your 2010?

27 thoughts on “My Personal Recap of 2010”

  1. LifeAndMyFinances

    Sounds like you guys had a pretty awesome year (aside from the passing). To increase your net worth by $42,200 in one year is pretty sweet.

    My wife and I are currently in the phase of paying off debts and it’s going incredibly well! We’re on track to pay off about $2,500 of debt this month! I’ll make sure to write about it in my upcoming posts.

  2. Money Beagle

    Sounds like you had a great 2010 and made the best of the not so great parts. Excellent work! 2010 was a nice year for us.

    Here’s hoping for a great 2011 as well!

  3. Nicole

    Yay for a great year! Sorry to ear about your DH’s loss.

  4. Jackie

    Wow what a year, on both sides of the equation. Here’s to a great 2011!

  5. Melissa

    So sorry to hear about your hubby’s grandma. I lost my grandparents 12 and 8 years ago, and I still miss them both.

    Great work financially! It sounds like your husband is much happier too. What grade was he teaching previously?

    Keep up the good work! 2011 will hopefully be even better.

  6. Evan

    Wow the net worth increase, in terms of percentage AND amount are really really impressive!

    I can’t believe your husband is into curling…that is fantastic! I always forget about that sport until the Olympics then I watch it for hours

  7. Everyday Tips

    You have had a fantastic year Crystal! I am so glad you found blogging so we could be friends! You have accomplished so much, you and your husband need to celebrate.

    Lets hope 2011 is even better!

  8. Crystal @ BFS

    @LifeAndMyFinances, I was pretty surprised by our net worth too, but then I remembered that we did start off 30% lower than the previous year thanks to the big crash and the stock market pretty much accounted for at least half the increase this year, lol.

    I look forward to your post about the debt payoff!

    @Money Beagle, I hope we all have a great 2011 too!

    @Nicole, thank you.

    @Jackie, here, here!

    @Melissa, yeah, all of our grandparents are 75-90, so the next decade is going to be rough…

    Mr. BFS was teaching 8th grade science but he is now an elementary school librarian. Best wishes to you and yours this year too!

    @Evan, it’s amazing what a stock market rebound can do for mutual funds, lol. I can’t believe he is into Curling either, but I do enjoy watching! He took it up after seeing it again on the last winter Olympics. Curlers are the coolest group of people to hang out with – laid back and hilarious!

  9. Crystal @ BFS

    @Everyday Tips, we’ve been celebrating a lot in the last few weeks…I love the holidays! I am so glad to have met you this year too! Here’s to an awesome 2011!

  10. Jeff @ Sustainable Life Blog

    Wow Crystal – It sounds like you had quite the year in 2010.
    Very impressive increase in the net worth, it seems like both you & mr BFS could write a book on side-hustles. Congrats on also finding new hobbies – Is houston a curling hotbed? (I’ve never been to texas).

    I’m sorry to both of you about your loss – it’s never easy.
    Good luck with 2011!

  11. Invest It Wisely

    You guys have done really well! I’m sorry to hear about the loss; I can’t imagine losing my own grandmother.

  12. Janet

    Congrats on a great financial year! My 2010 actually kept getting incrementally better as the year went on, so I anticipate an even better 2011.

  13. Crystal @ BFS

    @Jeff, LOL. No, Texas only has 3 Curling organizations – Houston, Austin, and Dallas. My husband drives an hour one-way to get to his Curling league on Sunday mornings since the ice is south of Houston and we live in the Northwest. He’s an outright addict. 🙂

    Thank you for your kind thoughts. It’s not nearly as bad now as it was but there are still moments when I think about asking his grandma something (usually about her recipes, lol) and then I remember she isn’t around anymore. I guess being an adult isn’t all fun and games.

    @Invest It Wisely, I would suggest never thinking about loss in advance since dealing with it is just as hard either way. We knew Grandma was going but it didn’t help.

    @Janet, good luck! I do hope your 2011 is amazing!

  14. Money Reasons

    On the surface, you’d think 2010 was a great year for me (I paid off my mortgage in February 2010, my 401K rebounded, My Lunch Experiment was paying dividends, etc). But it wasn’t… It was a bad year for me, not the worst, but not good either.

    I think it has to do with the fact that I need some changes in my lifestyle and that I was so disappointed with the government. With the government, I expected big changes via original thinking, but instead it was politics as usual…

    2011 I’m hardened to politics, so I won’t let that bother me and I’m now working on changing my lifestyle for the better.

    So here’s out with the old and in with the new 🙂

    Congratulations by the way, it sounds like you have a great 2010!!! 🙂

  15. Crystal @ BFS

    @Money Reasons, I think I see your problem – you have expectations for our government. I gave up any of those before I was even old enough to vote (I still vote every single time, I’ve just kind of lost hope that it will matter). I think we’ll see real changes when everything is so bad off that there is no other option than to change – until then, it’s just two parties beating up on each other and little 3rd parties trying to remind the other two that they exist.

    Good luck with feeling better in 2011! Try concentrating on personal achievements rather than national ones. 🙂

  16. Squirrelers

    Cystal, overall it seems like you had a year from which you learned a lot, and accomplished a lot. Well done! Also, separately – sorry about you and you husband’s loss. That’s not easy. I tend to worry about such things ahead of time, and it’s torture – I agree with your statement to Invest it Wisely.

    For me – I’m looking forward to some nice accomplishments this year. I have my goals set, and am working on them!

  17. CreditShout

    I had a great 2010 as well – thanks to blogging and persistance, hopefully we can both keep it up in 2011!

  18. First Gen American

    I always find it amazing when I look back a full year and really recap what I did accomplish. If I look short term it always seems like I’m not reaching my goals fast enough, but then you look back a whole year and say..Hey, I did actually do a ton, didn’t I?

    Thanks for sharing your year in review, and so sorry about your loss, but I’m glad they did get 60 years together. I wish I will have that many years with my own husband.

  19. Jonathan

    An increase of 42K is no small feat congrats! Our net worth increased by about 15K, which isn’t as much as I’d like, but then again, 2010 was the year of debt reduction. 🙂 This year will be the year of net gain!

  20. 20 and Engaged

    I’m so sorry for your loss. 2010 was similar. The Mr. and I got full time jobs and were able to move out and get engaged. I put school on hold to focus on working. Loss my cousin who was only 2 weeks older than me, which was EXTREMELY hard. Other than that, 2010 was a pretty awesome year.

  21. retirebyforty

    Sounds like you guys had a great 2010 except the lost of course. Congratulation to your husband for the new job and new degree, very nice. It sounds like 2011 will be even better for you!

  22. krantcents

    It may have been a tough year, but you came out fine. It is amazing what we can do when we have to.

  23. Sunil from The Extra Money Blog

    i read all kinds of progress

    cheers to your toast

  24. Crystal @ BFS

    @Squirrelers, good luck on hitting your goals too!

    @CreditShout, I hope so!

    @First Gen, I hope hubby and I got a good 60 years or more too (we did get married when he was 21 and I was 22, so we have a shot…).

    @Jonathan, congrats on debt reduction and good luck for your net gain this year!!!

    @20 and Engaged, I am so sorry about your cousin. Good luck for 2011!

    @retirebyforty, we hope so. Good luck to you too!

    @krantcents, it really is amazing…

    @Sunil, thanks for the cheers! *clink*

  25. BeatingTheIndex


    Great accomplishments for 2010, especially on the blogging income level. Hats off to you!

    Here’s to another successful year on all levels 🙂

  26. Crystal @ BFS

    @Beating the Index, thanks and a great year to you too!!!

  27. FB @ FabulouslyBroke.com

    You did fantastic!!! 🙂 Congratulations.

    Came over via Fig 🙂

Comments are closed.