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About Me:

terri77

I am 48, 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 2025:

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, but am rebuilding again after an expensive first year after building my home.

5. Invest in brokerage account. I am rebuilding this account after having used it for my home downpayment.

6. Give to church monthly. I now contribute by autodraft.

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. Closed on my new build home in August 2024 with $134k down.🏡

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Date Started: Aug 4, 2007
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Home > Replenishing Savings

Replenishing Savings

September 2nd, 2025 at 01:42 pm

I'm not sure if I mentioned it, but when I took $10k out of my savings to pay off my credit cards I changed my monthly contributions to replenish my savings. I was contributing $100 a month to my savings and $500 a month to my brokerage account. I reversed the contributions to build my savings back up. So now I'm contributing $500 to my savings and just $100 to my brokerage account. I am still maxing out my TSP & IRA so I am still investing a significant account monthly even with this reduction. I have no plans to go back for the foreseeable future. My car is ten years old & I'm putting significant mileage on it now. I will need to fund my next car.

Posted in Savings stories, Saving Money | 2 Comments »

2 Responses to “Replenishing Savings”

LifeBalance Says:
September 3rd, 2025 at 04:30 pm 1756917010
1756917010

Smart move. You're doing great!
rob62521 Says:
September 10th, 2025 at 03:29 pm 1757518140
1757518140

You are doing well!

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Firefly's Personal Finance Blog

Working out my spending impulses.

Replenishing Savings

2 Responses to “Replenishing Savings”

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