<prompt> Human: Inspiration from ujughead12 s post but a more positive one.My best decisions:Started saving money on stocks in March which have given me about 6 interest.Also sold of some bad stocks before new year to lower my capital taxes by about 1000sek 140.Had a good summerjob which made me about 3800.Got a part time job I am a full time student with good entrance to the field I am studying in.Im a swedish 20 yo student so keep that in mind when it comes to the values and interest.What was your best finacial decisions during 2014?  <response>: I upped my 401k savings from 5 to 8 with employer match now at 11Hubby upped his from 3 to 6 with employer match now at 9Called car insurance and dropped or lowered unnecessary coverage saved 30 a monthLowered home owners insurance by 150 a yearCalled cable and got a cheaper package saving 40 a month Cancelled gym membership save 50 a monthStarted a homemade excel version of YNAB and am assigning all to a jobStarted paying extra on car loan to pay down fasterPaid off 1500 in Dr billsPaid off 5k in student loan debtNo credit card debt!Have 15k in emergency fundSet aside additional 350.for savings Stopped loaning money to my brother who doesnt work, gambles, and smokes pot all dayHusband got a new white collar job with bonus potential. He was a mechanic and his body was breaking down after 17 years of turning wrenches. Same income but now we dont have to worry about injuries! 