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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. 🏡

Memorial Day 🇺🇸

May 26th, 2020 at 02:05 am

Hope this Memorial Day finds you & yours well. I spent most of today & yesterday napping. My first week working 3 jobs was more tiring than I realized apparently.

This week I will pay off my TSP loan. One loan down, one to go. I expect to have my car loan paid off by the end of the year. My credit cards should be at least half paid off by the end of the year as well.

I am now watching the first of the three night series on Ulysses S. Grant on the History channel. I really want to visit Gettysburg one day. Maybe next spring or summer.

Posted in General musings, Debt diet, Travel Tales, Debt | 2 Comments »

2 Responses to “Memorial Day 🇺🇸 ”

Wink Says:
May 26th, 2020 at 12:05 pm 1590494759
1590494759

Congrats on paying off the loan!!
VS_ozgirl Says:
May 27th, 2020 at 09:52 pm 1590616373
1590616373

Good work with your loan payoff!! Hope your body adjusts to working 3 jobs soon 😊.

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Firefly's Personal Finance Blog

Working out my spending impulses.

Memorial Day 🇺🇸

2 Responses to “Memorial Day 🇺🇸 ”

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