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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. 🏡

Stimulus Payment

April 17th, 2020 at 12:22 am

I was able to enter my direct deposit information into the IRS website yesterday evening. So now I wait. Tomorrow is pay day & I expect two nice sized checks so that’s something to look forward to. I have already scheduled a $1k payment to one of my credit cards.

Posted in Debt diet, Credit Cards, Debt, Personal Finance | 2 Comments »

2 Responses to “Stimulus Payment”

Amber Says:
April 17th, 2020 at 01:47 am 1587084447
1587084447

Awesome
rob62521 Says:
April 19th, 2020 at 07:09 pm 1587319748
1587319748

Good job on paying down a credit card. Hope you receive your stimulus payment quickly.

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Firefly's Personal Finance Blog

Working out my spending impulses.

Stimulus Payment

2 Responses to “Stimulus Payment”

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