Here's a snapshot of our financial year:

We earned more interest than ever because we invested in the Savings Deposit Program (SDP) available to deployed military members. We earned 10%!!

Here's the interest breakdown: SDP $583.33, Money Market $106.48, USAA $1.97. Total interest was $691.78.

Our emergency fund took a small hit, and is down $737 from last year at this time. I feel okay about that considering we have had additional expenses running two households and buying new siding and a sliding glass door for our home, all of which were much more than $737!

We were debt free except for our mortgage in mid January 2011 until May when we purchased a new to us truck. We paid part of the purchase ($12,000) in cash which was a first for us. The remainder was taken out in a loan in the amount of $14,776.68. Our remaining debt on this loan stands at $12,412.06. We are simply making regular payments until we are back to one household. That loan will become priority number one once we do.

We did contribute some to our girls college educations this year, but not the full $4,000 we planned. We stopped contributions when we split to two households. Their accounts are each up about $1100 each for the year.

We also stopped making Roth IRA contributions in August. We are currently short of our 2011 goal to max out our Roth IRA's by $4,166.67. We expect to make this up with our tax refund. Thus meeting our goal, but later than normal. We did contribute $5072.76 to the TSP and $5,833.34 to our Roth's in 2011, which is $10,906.10.

I compared this years retirement totals to last year and we are only up $11,028.72. At one point we were up over $18K. But you know how the market is!

Since our goal was to primarily keep the status quo, I think we did pretty good. Yes, we took on more debt, but this vehicle will be one we keep for the long term. We feel good about the purchase.

It has been disappointing to cut back on investments, but it needed to be done temporarily to keep from getting into more debt while running two households. We really are cash flowing this adventure and all that comes with it and it feels good.

How was your financial year? Negative, neutral or positive?