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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. 🏡

Lease Renewal

December 31st, 2022 at 02:01 pm

I got notice in the mail yesterday that my lease is expiring on the 4th of February. I signed an 18 month lease for $1600 plus $32 water/service fee. The rent is increasing to $1680 and the water/service fee to $52, for a total increase of $100. When I first moved in they called it a water fee, now they call it a service fee. While I am hoping I can relocate back to my hometown before then, I may just sign the renewal for 18 months to lock in the rate for the longest time. The rate is $1680 for 13-18 months. I'll have to read what the penalties are if I need to move earlier before I make my final decision. I've been happy here other than my sometimes noisy neighbors.

Posted in Home sweet home | 4 Comments »

4 Responses to “Lease Renewal”

Amber Says:
December 31st, 2022 at 03:32 pm 1672500747
1672500747

Definitely read the agreement regarding early cancellation of your lease. Also I think $100 is pretty good, here they’re going up $500-$800. It’s ridiculous
Dido Says:
January 1st, 2023 at 01:25 am 1672536338
1672536338

That seems a small increase compared to the increases I have heard about here! Depending on the penalty, it may well be worth locking the rate in for the maximum allowable.
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Firefly's Personal Finance Blog

Working out my spending impulses.

Lease Renewal

4 Responses to “Lease Renewal”

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