I am 47, 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. 🏡
Hope yours was great. No gobbles, yet, but definitely some wobbles here. Can you believe we got Covid again this year? And then I managed to get locked out of my account here when transferring to a new computer because I can't remember my password, so I can't even post. My account is so old I set it up with hotmail. Can't do anything about recovery until everyone is back from the holidays. DH found turkey legs and wings at the store today so maybe we can make those on Sunday since he is feeling much better now and no longer contagious and I have been out of bed and up at my computer for two days now even though I can't do much. Better than last year, at least, and I have the holiday spirit, so that is something. I feel like putting up the Christmas tree and I never want to do that before mid-December. Don't have the strength yet, but I sure want to!
Robin, I got Covid last November & have been thinking it's time for me to get a booster shot. I'm glad that DH is feeling better & I hope that you're on the road to recovery as well.
I also have issues posting yesterday. Not sure what the issue was.
I am 47, 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.
November 24th, 2023 at 11:51 pm 1700869882
November 25th, 2023 at 08:49 pm 1700945374
I also have issues posting yesterday. Not sure what the issue was.