An increase to my overall net worth this month, though I have lost a bit of momentum due to some unexpected pay cuts at work (in addition to a now higher cost of health/dental benefits). But I still have my job and will make due until things are restored/improved.

One thing is for sure – this situation has just proven how great it is that I initiated a holiday gift fund that I pay into each month. If not for that, I would need to dip into savings or credit cards or suffer a sad and awkward Christmas of unequal/embarrassed gift giving.