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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. 🏡

Christmas Shopping

December 15th, 2019 at 05:29 pm

How is your Christmas shopping coming? I think I’ve mentioned before that I shop throughout the year. Kids I shop for at Christmas time. They grow so fast & change so much that I can’t buy for the littles in advance. I am done with the adult shopping & actually have a surplus for next year as is my usual. I need to not buy throughout this year...if I can help it.

Rumors are that bonuses won’t arrive until the new year. Not the best time of year, but it’s happened before. I’m thankful for anything.

I joined some FIRE groups on FB this week, with an emphasis on the FI. I’m interested in maximizing my income & am looking into some WFH opportunities.

Posted in General musings, Spending stuff, Net Worth, Personal Finance, Shopping | 4 Comments »

4 Responses to “Christmas Shopping”

rob62521 Says:
December 15th, 2019 at 09:32 pm 1576445576
1576445576

Good job on the Christmas shopping! I'm sure it helps that you don't have to spend big money just at Christmas!

I am finished with my shopping as well. I bought some craft kits for next year's Christmas. I have a couple of friends who like homemade things.

Sorry about the bonus rumor. Hopefully you'll get it sooner rather than later.
Lucky Robin Says:
December 16th, 2019 at 06:30 am 1576477837
1576477837

I've been done for a little while.
mumof2 Says:
December 16th, 2019 at 07:19 am 1576480774
1576480774

I have been done for awhile as well I shop all year when I find great bargains
CB in the City Says:
December 16th, 2019 at 04:55 pm 1576515321
1576515321

I'm done! But I did the bulk of it this month because my kids don't update their Amazon lists till late in the year.

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Firefly's Personal Finance Blog

Working out my spending impulses.

Christmas Shopping

4 Responses to “Christmas Shopping”

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