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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. 🏡

Today was a great day!

May 29th, 2021 at 12:20 am

Today we finally had our lab inspection. It went great! I'm so glad that it's over. Biannual inspections are so nerve-wracking for me. I have actual physical symptoms from being so anxious.

We switched from College of American Pathologists to the Joint Commission for our inspections so this process was entirely new. Instead of a team I only got one inspector at the clinic.

It was a much more educational process & I thoroughly enjoyed all that I learned from my inspector. Although we are the same age she has such an impressive career already. It makes me look forward to progressing in my own career.

We only had one finding & it was such an easy one I could kick myself, but I'll never make that mistake again. I am so relieved & I wish I could celebrate with a glass of wine, but I'm off to work tonight. Maybe when I get off I can properly celebrate!🍷

Posted in General musings | 5 Comments »

5 Responses to “Today was a great day!”

Wink Says:
May 29th, 2021 at 12:35 am 1622248520
1622248520

Congratulations! Celebrate for sure! Well done.
Carol Says:
May 29th, 2021 at 11:03 am 1622286216
1622286216

Your relief and happiness just leap off the page! Congratulations!
Dido Says:
May 29th, 2021 at 01:25 pm 1622294715
1622294715

Congrats, glad you got the results you hoped for!
terri77 Says:
May 29th, 2021 at 09:14 pm 1622322880
1622322880

Thank you all for your kind comments. I am still on cloud 9 & feeling like the weight of the world has been lifted from my shoulders. My co-worker sent a very kind text congratulating me this morning.
LuckyRobin Says:
May 30th, 2021 at 07:35 pm 1622403358
1622403358

It must be nice to have that stress lifted off your plate.

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Firefly's Personal Finance Blog

Working out my spending impulses.

Today was a great day!

5 Responses to “Today was a great day!”

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