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Working out my spending impulses.Firefly's Personal Finance Blog
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I can’t post comments

January 25th, 2020 at 01:43 pm

I can’t post comments on blogs. When I try it tells me to check the recaptcha, but there is none.

Pay Raise

January 17th, 2020 at 06:01 am

The new salary charts were posted this week. I receive a $2k raise which I’m very grateful for. The raise means not only increased pay, but an increase on my TSP matching. And although it may not mean anything for me, I was happy to see the paid parental leave bill get passed by Congress.

Geaux Tigers

January 14th, 2020 at 01:36 am

Writing a blog while I watch the College Football National Championship game.

I seem to have a bit more cash in my checking account than I anticipated so I wrote my mom my last loan payment. I hate owing money, but especially when it's my parents. It makes me feel especially irresponsible.

Now that my loan is paid off I will concentrate on paying off other debt. I'm really excited to be focusing on budgeting for the first time. I've always been so focused on saving that I've allowed my debt to get away from me. And honestly, the credit card is much more than listed, but I stopped updating it. My goal is to halve my credit card debt this year & pay it off entirely next year. I've read so many success stories of people paying off even more debt than I have so I know it's possible.

IRA Follow-up

January 11th, 2020 at 05:29 pm

I finally got in touch with Vanguard & she showed me how to correct the issue online. It was very simple. So I was able to recategorize my contribution from 2020 to 2019. I now have $1k to contribute for 2019 & $6k to contribute for 2020. I will send $500 to my 2019 IRA in February & March.

I owe my mom one last payment of $250 for my AC loan. My TSP loan is now below $4k. My car loan will be paid off in the first half of 2021.

I transferred $100 to my savings yesterday & mailed $20 to the local food bank this week.

I received my Clever Fox budget planner this week. I really like it & I’m well into journaling my January budget. I brought my lunch 4 times this week! That’s a record for me.

IRA Contributions & Budget

January 6th, 2020 at 08:07 pm

I forgot to turn off my automatic contributions to my IRA, so I sent my first contribution for 2020 even though I still haven’t fully funded 2019. Whoops. Needless to say, I turned off the automatic funding. I will finish paying my mom back for the AC loan this month & should have the funds to max my 2019 IRA by April 15.

I have decided that 2020 will be the year I learn to live on budget. Honestly, I never tried before. Just spent as I pleased & my credit card debt reflects that. I want to start this decade off being mindful with spending money.

Ten Year Review

January 1st, 2020 at 03:29 pm

Investments:

$155,187 2009Q4

$842,089 2019Q4

$686,902 Ten Year Investment Growth

I will update this blog as I find other stats to include.

ETA: 2008 was the first year that I maxed out all of my retirement accounts. I always contributed the max to my IRA & in 2008 I was able to do the same for my employer sponsored plans as well. Prior to 2008 I received no employee match, now I receive a 5% match.

Happy New Year

January 1st, 2020 at 01:46 pm

Wishing a happy, healthy, and prosperous 2020 to you and yours!

2020 Goals

December 29th, 2019 at 03:17 pm

2020 Goals are much the same as my recurring goals:

Max out TSP ($750 per paycheck): $19.5k

Max out Roth IRA ($500 monthly): $6k

Pay off TSP loan ($250 per paycheck with a projected payoff date of August 2020): $4k

Pay down CC debt: at least $5k

Pay down auto loan ($150 per paycheck with a projected payoff date of July 2021): $3.9k

Payoff of my auto loan will coincide with the 5 year anniversary at my PRN job. I will reevaluate whether I want to continue working that job at that time. I still want additional income but may take that opportunity to switch to an work from home income stream. If I can do it earlier that will be even better.

I added a Clever Fox 🦊 budget planner to my Amazon cart. I am so bad at budgeting. Honestly, my budget is nonexistent. Maybe this new decade I will change that. I think I will have to be more conscious of my spending to meet the goals I have set in 2020.

Goals Met in 2019

December 28th, 2019 at 11:46 pm

While I'm watching LSU win this Peach Bowl (Geaux Tigers!!!) I'd thought I'd write a blog reflecting on 2019 successes.

Health wise, after being diagnosed with type 2 diabetes in 2018 I now have an A1C in the normal range with the help of metformin. I had a significant 2.0% drop in my A1C with medication, exercise, and weight loss of 23 pounds. I work out consistently, jogging 17.5 miles weekly.

I started salsa classes which I love. It took me 3 sessions of level 1 classes to make it to level 2, but I did it. I'm not a natural dancer, but I still love it. In 2020, I'd like to take bachata classes as well.

I met the max limits for my TSP, saving $19k. I saved $4.5k in my Roth IRA & I plan on meeting the contribution limit by April 15th, even if I have to pick up some extra weekends to do so.

Year End Bills

December 27th, 2019 at 02:27 pm

My 2 paychecks hit the bank this morning so I wrote a check for my property taxes & to repay a small loan to my mom for the new A/C. I also sent $500 to my Roth IRA. I have until April to max out my 2019 contributions. I have $1500 remaining.

Year End Paycheck

December 27th, 2019 at 01:17 am

We got our performance awards this paycheck. What a nice surprise. I was not expecting them before January. My pay stub noted that I netted $597.15 from my $900 award. So basically 1/3 went towards taxes. This & 2.5 hours OT will go towards my property taxes.

With this last paycheck I completed my max contributions for the year for my TSP. I have increased my contributions to meet the max next year. I still have $2k to contribute to my IRA for the year. I’m behind due to paying for A/C repairs.

Merry Christmas

December 26th, 2019 at 04:45 am

I hope that a Christmas was especially merry & bright this year!

Christmas Vacation

December 20th, 2019 at 03:32 pm

My Christmas vacation has started a day early. Since Trump declared Christmas Eve a holiday I had an additional day of use or lose leave to use before the end of the year. So I’m off today & procrastinating on getting to the gym. Yesterday after work I did a little shopping for myself & returned a purchase. Then I came home & did some laundry and started prepping my guest room for my sister. My family arrives Monday. Gifts are all wrapped. I only have a gift card to buy for my brother-in-law. I will get that on Christmas Eve on our usual trip to the mall.

It looks like federal employees will get a 3.1% raise next year. Not bad at all. Four years of pay freezes hurt, but I know that the entire country was hurting at the time.

2019 has been a good year & I’m looking forward to 2020. A year from now I’ll be even further along my plan for financial independence.

A pic of my shopping finds attached so you understand how much I love sparkle. ❇️ 💖🤩