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About Me:

terri77

I am 46, single, no kids. I am a health care professional. I feel that I'm generally a very good saver and a not so good budgeter - hence the credit card debt payoff I worked through in 2020.

My personal finance goals for 2024:

1. Contribute maximum to Thrift Savings Plan. This is a recurring goal that I’ve accomplished every year since 2008.

2. Contribute maximum to Roth IRA. This is a recurring goal that I’ve accomplished every year since 2001.

3. Pay off credit cards. Completed January 2021. Now the strategy is to pay off my credit cards monthly with no balance carryover.

4. Build up emergency & long-term savings. I completed my initial goal in April 2021. I have 3-6 months of expenses saved at this time & I continue to save for my next car purchase, which is hopefully many years away. I use high yield savings and CDs.

5. Invest in brokerage account. I started with the proceeds from selling my condo & have added monthly. This account is for a future down payment when I purchase a home again.

6. Give to church monthly. I attend two churches right now so I alternate my monthly offerings.

7. Give to charity monthly. Food banks are my preferred charity to give to. I have automated my charitable donations at work to give with my biweekly paychecks.

8. Apply for promotions as they become available. Right now I’m very happy in my current position, so this isn’t much of a goal currently. I have received several raises, I enjoy the work I do, & the people I work with…I’m very happy to stay where I am.

9. New goal for 2024! Build new home with $100k down. This will be funded from my brokerage account & cash savings. 🏡

New car

November 2nd, 2007 at 11:19 pm

I picked up my new car yesterday. I love it. It's a white 2008 Toyota Corolla LE. I did the internet pricing so got a price below invoice price after the incentive. Yes, I know all about used vs. new cars and depreciation. I'm satisfied with the decision that I've made.

Two people have come by to look at my 1997 Toyota Corolla. I think I have a buyer. I'm settling for $2,000 but I feel good about the potential buyer. She really desperately needs a car. Violet, that's my car, is looking especially nice. I vacuumed her all out and got her washed. I almost hate to sell her.

Posted in Spending stuff | 5 Comments »

5 Responses to “New car”

Maismom Says:
November 2nd, 2007 at 11:50 pm 1194047454
1194047454

Congratulation on your new car!
JanH Says:
November 3rd, 2007 at 12:16 am 1194048964
1194048964

Congrats on the new car! DS's Corolla has over 100,000 miles and still gets over 35 miles per gallon. Those cars keep going and going and going....
Amber Says:
November 3rd, 2007 at 12:16 am 1194049013
1194049013

Congrats on the new car, I bought a 2001 Camry about three months ago and I love it. You will definately sell the car I sold my '89 camry
terri77 Says:
November 3rd, 2007 at 02:57 am 1194058652
1194058652

Thanks all! I'm happy with my car. I think this one is going to be Blanche. I know, I'm silly with the naming my car thing.
Ima saver Says:
November 3rd, 2007 at 01:41 pm 1194097314
1194097314

We just got a new 2008 yellow corvette. Her name is Lucy, after our dog that passed in June.

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Firefly's Personal Finance Blog

Working out my spending impulses.

New car

5 Responses to “New car”

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