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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. 🏡

Hurricane Sally & Mortgage Info

September 14th, 2020 at 06:23 pm

Though I’m disappointed that my loan info no longer updates on Mint (because they migrated mortgage info from the mobile app to a website) the new website has a lot more information. It has neighborhood comps, home value, and most importantly, I now know that I only have 10 years left on my mortgage! I had estimated the payoff date, but it’s nice to have a definite date: December 2020.

We worked half a day today & the clinic will be closer tomorrow due the weather. Hurricane Sally is expected to make landfall near the Louisiana-Mississippi border tomorrow. My default hurricane snacks are usually a bunch of junk food & I instinctively crave junk whenever they start talking about a hurricane. I have been strong & avoided the temptation through Laura & now Sally. I’m doing so well & don’t want to stall my progress.

Posted in Home sweet home | 3 Comments »

3 Responses to “Hurricane Sally & Mortgage Info”

CB in the City Says:
September 15th, 2020 at 03:04 pm 1600182275
1600182275

Don't be hard on yourself if you succumb to the junk food temptation. Two hurricanes ... that's pretty strong stuff.
terri77 Says:
September 15th, 2020 at 05:11 pm 1600189861
1600189861

Oh, I totally succumbed. I went to get a pedi then stopped at the grocery store, then McDonald’s. I’m back on track today & not looking forward to the feeling of coming off carbs - but I sure did enjoy having French fries for the first time in 3 months!
Wink Says:
September 15th, 2020 at 06:20 pm 1600194021
1600194021

Everyone has a "cheat" day every now and then. I know I sure do! As long as it's only a cheat day and not a cheat month.

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Firefly's Personal Finance Blog

Working out my spending impulses.

Hurricane Sally & Mortgage Info

3 Responses to “Hurricane Sally & Mortgage Info”

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