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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. 🏡

December

December 17th, 2007 at 06:35 am

December is always a big month for me, but even more so this year. I turned 30 on the 5th of this month. I finished my first year of graduate school and for the first time in over 7 years I'm looking for a new job. I'm so excited about all the changes happening in my life right now.

I'm really concentrating on growing my income by working smart, rather than just hard. Which means I'm advancing my career rather than just working a lot of overtime. I think I'm on the right track.

Posted in General musings | 2 Comments »

2 Responses to “December”

luxliving Says:
December 18th, 2007 at 11:20 pm 1198020009
1198020009

Hope you had a great birthday!

Sounds like life is full of excitement!!
terri77 Says:
December 23rd, 2007 at 03:35 am 1198380921
1198380921

Thanks, all the changes are very exciting. I'm loving all the possibilities!

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Firefly's Personal Finance Blog

Working out my spending impulses.

December

2 Responses to “December”

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