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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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Home > Happy New Year 2026

Happy New Year 2026

January 1st, 2026 at 11:01 pm

Happy New Year!

Has anyone already maxed out their IRA today? Or rather, sent the order to do so when the market opens tomorrow? I am sitting here contemplating doing just that noe that I have the cash to do so for the first time in years. However, the last time I did so, the market went down that year so I felt like I bought at a bad time. I know you can never time the market but it makes me hesitant to pull the trigger.

Posted in Investing ideas, Retirement readings, Investing, Retirement | 1 Comments »

1 Responses to “Happy New Year 2026”

Tabs Says:
January 2nd, 2026 at 07:10 pm 1767381033
1767381033

Haha I used to do that all the time. Max contribute my Roth on the first day of the new year. Unfortunately, I am now retired now, and unless I am mistaken (and I could very well be), but contributes are no longer possible during retirement. However, at the very least, I did pay off my usual monthly bills, so I guess that’s something?

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Firefly's Personal Finance Blog

Working out my spending impulses.

Happy New Year 2026

1 Responses to “Happy New Year 2026”

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