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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. 🏡

Traveling Gypsy

August 12th, 2012 at 02:35 am

I've been a busy bee traveling here & there. I have a few more trips planned, but will settle down next year. Traveling isn't free unfortunately. I want to get back to blogging, but not much is happening with me. I'm in a steady state of paying off debt & saving. Same strategy as always.

I will probably lose my second job soon so I'm looking for a replacement. Last month I paid off my car so that's $327 less in monthly loan payments for me. Yay!!!

Posted in General musings, Debt diet | 4 Comments »

4 Responses to “Traveling Gypsy”

snafu Says:
August 12th, 2012 at 03:17 am 1344741455
1344741455

Paying off a car loan is a really big deal. Atta Girl!
Hope you find a replacement soon for 2nd job. Our economy seems a bit stronger but then food costs go up! It's a battle isn't it
creditcardfree Says:
August 12th, 2012 at 02:14 pm 1344780893
1344780893

Congratulations on paying off your car!! Way to go.
Thrifty Ray Says:
August 12th, 2012 at 08:32 pm 1344803541
1344803541

Its always such a good feeling to pay of a debt...especially a car that is still in good condition! Good for you!!
Jerry Says:
August 18th, 2012 at 11:40 am 1345290040
1345290040

It's got to be a good feeling to know that your diligence leads to a completely paid-off vehicle. If you have to find another second job, then at least you have some insurance that the timing is right without having the car payment to worry about! Good luck...
Jerry

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Firefly's Personal Finance Blog

Working out my spending impulses.

Traveling Gypsy

4 Responses to “Traveling Gypsy”

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