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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. 🏡

Student Loan

August 6th, 2009 at 03:23 am

August 1st Sallie Mae was once again in my life. Yep, back to paying student loans. I finished graduate school in December so the grace period has ended. On the bright side, the sooner I'm paying the sooner I get her back out of my life!

Posted in Debt diet | 2 Comments »

2 Responses to “Student Loan”

dmontngrey Says:
August 6th, 2009 at 04:35 pm 1249576506
1249576506

Good philosophy! We got rid of her quite a while ago. Too bad that was for DH's student loans and mine still exist.
Jerry Says:
August 21st, 2009 at 09:02 pm 1250888530
1250888530

Ugh. Sorry SM is back for you, but graduation leads to that reality. I'm in school right now too, and will be in a similar boat when I graduate! (Unless I can get some insurance of getting hired on at a hospital that agrees to pay off student loans... hmmm.) Good luck with everything!
Jerry

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Firefly's Personal Finance Blog

Working out my spending impulses.

Student Loan

2 Responses to “Student Loan”

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