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About Me:

terri77

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. 🏡

Auto Insurance

November 26th, 2023 at 10:50 pm

When my auto insurance renewed in Septmember my rate was raised by 30% with no changes to my driving record. I know that USAA has never been cheap, but this rate is almost triple what I get when I look at Geico or Progressive. So after 23 years solely with USAA I am thinking about leaving them. Who do you have auto insurance with and what do you think about their service?

Posted in Savings stories, General musings, Budgeting, Personal Finance, Saving Money, Shopping | 2 Comments »

2 Responses to “Auto Insurance”

Turtle Lover Says:
November 27th, 2023 at 01:33 pm 1701091993
1701091993

I have Geico - they are just fine - I live in California and rates keep going up and up and up no matter what ... all I keep hearing is "well that's the price of living in California" sigh ...
Friday Night Funkin Says:
December 20th, 2024 at 01:46 am 1734659195
1734659195

Great insights on auto insurance! It's crucial to understand what covers what. While we secure our vehicles, let’s not forget the importance of recreational fun. Just like how Friday Night Funkin brings joy and rhythm to our lives, a good auto insurance policy allows us to drive stress-free, knowing we’re protected. Remember to compare rates!

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Firefly's Personal Finance Blog

Working out my spending impulses.

Auto Insurance

2 Responses to “Auto Insurance”

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