<< Back to all Blogs

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. 🏡

House Update 🏡

June 2nd, 2024 at 05:41 pm

We're approximately 60 days or 2 months out from completion. Projected date is 7/31/2024. Brick & stucco have been installed so the exterior is really taking shape. Drywall has been delivered.

Now the interior progress starts to happen. We have tubs & fireplace installed, but no kitchen appliances. I think once they put in appliances they start locking the doors, so I won't be able to stroll through after hours. Darn. I love watching the progress.

Posted in Home sweet home | 3 Comments »

3 Responses to “House Update 🏡 ”

VS_ozgirl Says:
June 7th, 2024 at 09:03 am 1717747435
1717747435

I don’t know what the process in the US is with installation of kitchen appliances but my DH is a new homes building supervisor and in Australia kitchen appliances don’t get installed until 1 or 2 days before completion (ie handing over the keys to the owner). In high risk areas when appliances go in a heavy duty smoke machine gets placed in the kitchen also until keys are handed over. The longer the delay for appliance installation the better for peace of mind. You are going to love being in your new house and making it your home!
terri77 Says:
June 7th, 2024 at 12:48 pm 1717760916
1717760916

I am just looking at the building process steps on the information sheet given to me by my home builder. It’s a 10 step process & appliances go in at step 7. Though it’s obviously flexible because I got brick & stucco at step 5 instead of step 6.

I have walked into new builds in the area & they have appliances sitting in the floor of homes with no locks. I was surprised by that. I’m not responsible if they get stolen, but I’m sure that makes the price of homes tick up if they do get stolen. I’m looking forward to seeing where they are when I return on Sunday or Monday.
LivingAlmostLarge Says:
June 12th, 2024 at 10:32 pm 1718227962
1718227962

Can't wait to see photos

(Note: If you were logged in, we could automatically fill in these fields for you.)

Name:	*
Email:	Will not be published.
	Subscribe: Notify me of additional comments to this entry.
URL:
Verification:	* Please spell out the number 4. [ Why? ]

vB Code: You can use these tags: [b] [i] [u] [url] [email]

Firefly's Personal Finance Blog

Working out my spending impulses.

House Update 🏡

3 Responses to “House Update 🏡 ”

Leave a Reply