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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. 🏡

Happy President’s Day!

February 20th, 2023 at 06:55 pm

It's a federal holiday so I'm off. Not really a true long weekend as I worked at my PRN job. I slept in, then got a text from my co-worker a little after 8:30 asking me to call him. He had gone in to work on an annual report & encountered other issues. We spent 45 minutes on the phone going over how to pull reports in our server & other miscellaneous things.

Then I had my cup of coffee and my favorite cheese pastries from Trader Joe's. I tried to make a TJ run yesterday after I got off work, but they had closed early due to a Mardi Gras parade. Speaking of, Happy Lundi Gras as well! 💜💛💚

The only other things on my agenda today is to mop my floors, fold some laundry, and maybe see the new Ant Man movie.

I contacted Mint & realized why my CD wasn't linking. With Capital One you have to authorize the linking of each account, so when I opened this account it wasn't going to link. Easy fix. Now my accounts will be ready when I do my end of the month assessment.

Posted in Food fiend, Home sweet home, General musings, Food / Groceries, Personal Finance, Career, Professional Life | 3 Comments »

3 Responses to “Happy President’s Day!”

PatientSaver Says:
February 20th, 2023 at 09:10 pm 1676927443
1676927443

Cheese pastries at TJs? Please tell us more.
LivingAlmostLarge Says:
February 20th, 2023 at 11:19 pm 1676935162
1676935162

I find myself struggling with mint and personal capital because i don't know how to reconcile the payments to the credit cards from the bank accounts.
terri77 Says:
February 27th, 2023 at 11:38 am 1677497903
1677497903

Yes, cheese pastries! They’re in the frozen section and come in a pack of 4. Look near the other breakfast items. I couldn’t find them for a couple of months around the holidays, but they’re back!

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Firefly's Personal Finance Blog

Working out my spending impulses.

Happy President’s Day!

3 Responses to “Happy President’s Day!”

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