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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. 🏡

Post-Election

November 8th, 2020 at 02:23 pm

Well, it's finally over. The election has been called & I couldn't be more relieved. The markets handled the uncertainty just fine.

I planned on giving all of my immediate family planners with stickers for the next year. (Added: I already purchased the Denise Albright planner stickers. She has several sets of stickers for working people, moms, dads, budgeting.) I found some planners at Dollar General yesterday, but I think I will end up buying something spiral-bound. They were surprisingly nice for $1, though.

I think I will end up paying off my credit card debt before spring. Probably not by the end of the year, but earlier than I had planned. My car loan has 4 more payments on it then she's all mine!

Net Work $1,023,683

Posted in General musings, Debt diet, Net Worth, Credit Cards, Debt, Shopping | 2 Comments »

2 Responses to “Post-Election ”

Wink Says:
November 8th, 2020 at 02:46 pm 1604846813
1604846813

I am also relieved, and hopeful! Even though there are so many digital planners and calendars, there's just something I prefer about a paper one.
rob62521 Says:
November 8th, 2020 at 10:53 pm 1604875987
1604875987

I am glad it is over. Hopefully everyone who was voted in will do a good job. More importantly, I'm glad the horrible, hateful television ads have stopped. Wish the social media posts would as well.

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Firefly's Personal Finance Blog

Working out my spending impulses.

Post-Election

2 Responses to “Post-Election ”

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