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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. 🏡

June 2023 Net Worth Update

July 3rd, 2023 at 04:52 pm

We're now half-way through 2023! The second quarter was a very good quarter.

I'm almost back to where I was at the end of 2021 in my investments. I have about $30k to go to get back to where I was at Q4 2021. That's not including my contributions as I've been maxing my TSP & IRA, as well as contributing to a brokerage account since my personal investment high 18 months ago. I was at $975k in my TSP and I just knew that $1 million was around the corner. Then 2022 came and the market started its downward trend.

Investments 1,312,264

Cash Savings $27,761

Total $1,340,025

Monthly Gain $82,465

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Firefly's Personal Finance Blog

Working out my spending impulses.

June 2023 Net Worth Update

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