Of course, I owe money again this year. I think my former part-time employer did not take out enough in federal taxes. Since we transitioned to the new company this year I can see that my federal taxes paid has increased. Hopefully, I won't owe as much next year.

I did move from the 22% marginal tax rate bracket to 24%.

Federal tax bill $2,941

State tax bill $694

Total owed $3,635

Thankful for the surplus I always seem to accumulate in my checking accounts. It will come in handy.

Are you a car person? I'm not. Sometimes I'll go to an automakers website & "build a car". I never actually follow through with buying any of those cars. I'm on my third car after 23 years of owning cars. I hope my current car lasts me several more years. If I'm ever tight on money it won't be because I bought more car than I could afford. It will be because I took too many trips!

I have a friend who is really into cars. Even though he's not in the best financial shape he always has nice cars. His son has picked up on his love of cars. My friend was telling me several months ago how his young son kept changing out cars because he kept seeing other cars that he wanted. Recently he came to me & told me that he lent his son $200, now he's not returning his calls.

Now I understand liking what you like. I'll always spend money on travel & attending the theatre. I don't begrudge anyone their indulgences. I just believe that you need not put yourself in a position where you can't meet your needs due to those indulgences. Of course, his son is very young & will learn. I know I was still making money mistakes even a few years ago. I will always have room to learn & grow on a great number of subjects.

I have never in my life been collections, but on November 6th Sunrise Credit reported me as in collections due to owing $112 to AT&T U-Verse DirectTV. Thursday I got the alert from Mint. I remember that I disputed a bill over a year ago and after discussions with the company they agreed to dismiss the debt and they even sent me a Visa card for $91 my trouble.

Recently collectors called & I explained that we settled the issue. They kept calling even after I explained the situation so I started blocking & hanging up on them. Then I got an alert that I had a collections account opened up. I immediately filed a dispute with Experian, Equifax, and Transunion. Experian & Transunion have already deleted the collections from my report.

I also emailed the company directly & they said that they don't have a collections against me on their books & I should contact AT&T. But it was Sunrise Credit that reported the debt so I didn't understand that response. I responded why then was I just reported as being in collections by Sunrise Credit? They didn't respond. I also complained that they didn't send me a Notice of Debt which has been the law since November 2021.

It looks like this will be fairly easy to resolve so far. It also makes my decision to leave AT&T, my cell phone provider for approximately 2 decades, easier. I've been wanting to move to Verizon as they seem to provide better coverage post-hurricanes, but I due to loyalty & a federal employee discount I had been reluctant to leave AT&T. No discount however is worth seeing my nearly perfect credit card drop by over 100 points in a day.

In other bad news, I tested positive for Covid-19 yesterday. I'm already feeling better, thankfully. I had spent Thursday night with my parents' and when I woke up feeling awful at 4 am I took one of their home tests. My first symptoms were actually sneezing, which had me thinking of allergies. I had slightly itchy, watery eyes. Then Thursday morning my nose started running, then by that night I was coughing. I went to bed then woke up with chills and feeling very unwell, which prompted my taking the test. I'm still recovering at my parents' home. I wanted to go home to isolate, but they didn't want me to be alone. Last summer we lost my cousin that was younger than me by 2 years due to Covid-19 & I think it made me parents more anxious.

I'm doing much better & will head to my apartment tomorrow for the rest of my recovery period.

Unexpected pay day! At one of my jobs I am paid semimonthly: on the 1st & 15th, but I guess because it's a bank holiday on Monday I got paid early. I think, the stock market, may still be trading - at least for part of the day. They usually only close all day on major federal holidays.

This long weekend is actually a triple holiday weekend: Valentine's Day on Sunday, President's Day on Monday, & Mardi Gras on Tuesday! Oh, and then it's Ash Wednesday, of course. I should probably consider giving up sweets for Lent. 

Mint sends me notification of various trends. Apparently I'm on a positive cash flow streak, which is why my checking account has continued to grow. I like to keep at least $5k to avoid paying fees.

I am considering paying my credit cards weekly. I know it doesn't make sense if I just pay them off monthly, but I'm feeling a little anxious after having paid off my credit card debt. I don't want to find myself in the same position again.

Next pay day is on the 19th. I am quickly approaching $1.2 million net worth. 

Net Worth: $1,197,166

Thinking about everything I need to do to get my home ready to sell can be overwhelming so I'm just taking it in stages. I realize that since I filed my 2020 taxes I probably won't be getting the next stimulus due to increased income. But now that I've paid off my credit card debt, my cash flow has greatly improved. I don't plan on touching my growing savings for any of these projects.

Next step is the removal of wallpaper & painting my upstairs bathroom. I got a quote prior to COVID, but it was only good for 30 days. I wasn't super impressed with him because it took days for him to come out then he didn't give me the advance notice he had mentioned, but not many painters are willing to deal with wallpaper so I need to be flexible.

I also need to replace my downstairs bath surround, have the upstairs closets painted with stain kill for past leaks, carpet cleaned, and repair a leak in one of my upstairs bathroom sinks. I've been bad about keeping up with home improvements. One step at a time...

Any bathroom paint color suggestions? I know neutral & lighter is always recommended by realtors.

Net Worth: $1,192,115

Not only have I paid off my credit cards, for a short while I actually had a negative balance as I paid more than my balance. I just did my own Dave Ramsey yell at home.

LivingAlmostLarge had another great survey post. I am resharing my answers below for posterity.

My parents retired with 2 pensions. One for 20 years active duty military. They were able to pay all bills with his military income while earning another pension of 20+ years working with the state. They didn’t need that much money in the bank, but working 20+ years without touching their salaries certainly allowed for it. My mom mostly stayed at home until all of us girls graduated high school.

I don’t envision myself retiring early even though I could. I have enjoyed my career & am looking forward to achieving more. I have the age of 60 in mind, which is still plenty young. I will have 30 years with the federal government so a good pension, SS supplement until age 62, and SS after that if it’s still available. I will probably wait until full SS age to withdraw depending on my health. I should have several million in my own retirement accounts as well. I am on track to be mortgage free many years prior to retirement, but I am planning to sell soon. 

Net Worth: $1,180,104

Thank you so much for your condolences. I truly am touched by your kindness & thoughtfulness.

My evening job has slowed down & I'm perfectly okay with that. I also took off February at my weekend job. I'm ready to scale back. 

Today I sent a full balance payment plus 10% to my credit card. I really want to keep both credit card balances as close to zero as possible from here on out. I'm being very mindful of spending as well. I've noticed that I've been doing a little too much shopping online. I am paying the balance in full with each bill, but after working so hard to pay off $22k in less than a year, I don't want to end up back in the same boat.

My dad officially did my taxes after I ran the numbers through the calculator & it's what I expected. I will owe about $1400 between federal & state. I've been keeping $5k in my checking account so I'll be able to pay it out without pulling from my growing savings. I bumped my savings from $100 to $500 monthly at the first of the year now that my debt has been paid off.

They sent my grandfather to a hospice home rather send him home with a hospice nurse, which is better for all involved. My mom went today to pay for his funeral. It was better to do it now, rather than wait. Even if he makes a complete turnaround, that's one less thing for my mom to have to contend with when he does eventually pass.

I ran my numbers through the H&R Block tax calculator. It says I'll owe $1355. Not bad. I'm glad that I had them withhold an extra $100 per paycheck at my third job. It really softened the blow.

I now owe less than $1k on my credit cards & I consider them paid off! My balance will never be $0, so keeping the recurring balance under $1k will be my goal from now on.   

I'm so glad that after temps in the 70's last week, it feels like winter again. A very mild winter, but winter nonetheless.

It's almost 2021 & time to reflect on the wins & losses of 2020. 202 was a very good year for me with few losses except for a couple of canceled trips, which actually ended up being to my advantage.

1. Paid off my TSP loan. I took out a loan of $30k in the autumn of 2015 to pay off credit card debt. I buckled down to pay it off early in May 2020.

2. Paid off my car loan. I had an accident (not my fault) in November 2015. The insurance company totalled out my 2008 Toyota Corolla. I put $10k down on my Honda CR-V and financed $20k at 2.19% for 73 months. I buckled down to pay it off a year early. I hope to keep this car for at least 5 more years.

3. Probably my biggest debt win this year was the $22k in credit card debt that I had earlier this year. It's now down to $2k and I will pay it off next month. That will mean a lot more money to rebuild savings and explore stock investing. I am recommitting to paying off my cards every month.

4. I worked a lot! I made approximately $30k at my side hustle jobs. Since so many of my plans were canceled: trips, dance classes, theatre season tickets, I was able to maximize my time to earn more.

5. I lost some weight. I've gained some of it back, but am recommitting to healthier eating in 2021.

6. I had $0 savings at the beginning of the year. I now have almost $3k in savings. It's not a lot, but it means I won't have to get a loan from my mom again if I have to replace my A/C or some other home repair pops up. I have recommitted to saving monthly. Again, this will be easier with less debt payments.

7. And finally, I passed $1 million in net worth in September. Earlier this month I achieved $1 million held in investments only, not including assests such as my home or car.

Here's to an even better 2021!

I always say that I'll let the final payment go through as usual, but like with my TSP loan I couldn't wait. My automatic payment of $200 went through yesterday & I had $180.15 remaining. I scheduled the $180.16 payoff amount for today. She's all mine now! 🚙 

This is my second loan payoff this year & I've moved my anticipated credit card pay off from spring 2021 to January 2021. My balance will never be zero as I don't pay in cash, but it should just be my usual monthly purchases on my balance after next month, rather than recurring debt. I am now down to $3k from $22k earlier this year.

My next paycheck I will contribute $700 to my TSP to max out for the year. I still have $2k remaining to contribute on my 2020 IRA. $500 will be contributed on the 15th. 

I'm so excited for my progress this year. It's like I woke up out of a slumber. Next year I'll be able to focus on rebuilding my savings.

Still no news about whether federal employees will get a raise next year, but I'm still due for a step increase. Of course, we will have to begin paying back deferrred OASDI taxes in the new year. 

I enjoyed my day off yesterday. I ran some errands, did some house chores, & had a belated birthday lunch with a friend. Today will be more of the same. I slept in very late today. I guess my body needed it.

Have a great weekend & happy Hanukkah to those celebrating! 🕎 

Net Worth $1,102,723

I calculated that I have been working nearly 80 hours every week between my three jobs. Tomorrow is payday (x2) and I decided to take the day off. I have 21.5 hours to use-or-lose before the end of the year. 

Tomorrow I will pay my credit card & car loan. I am down to my last 2 car payments. I owe less than $400. My credit card debt has gone from $22k earlier this year to $4k currently.

Since my family isn't coming home for the holidays I'm sending gifts their way. I calculated shipping rates to send via USPS & FedEx and surprisingly, FedEx was cheaper. I assumed that USPS would always be the cheapest option. I certainly was wrong.

Christmas is coming so fast! It will be a tough one without family, but we'll all hopefully be together in the somewhat near future.

It's the first of December & the last month of the year. So the first of the last. 😄

I'm turning 29 again on Saturday. 😉 I told my parents I just want to get take-out and order a cheesecake (instead of birthday cake). I'm always low-key on my birthday celebrations, even in a non-pandemic year.

Today was payday for my third job. I am adding the amount to my debt pay down. I love that I earn PTO at this job, even though I'm not full-time. Next day that they don't call me in I'll put in a PTO request to use my accumulated PTO hours.

This month I pay property taxes, but so far no bill has come in the mail. I'm hoping they delay payments due to the pandemic. I can definitely pay it this month, but if the deadline is delayed I will delay my payment as well.

I don't think my sisters will be traveling home for the holidays. Although I will miss them, it's probably for the best. We will of course FaceTime, Zoom, & Duo as often as we can.

Net Worth $1,085,809

Due to our rate of positives our governor has pushed us back to phase two. We were in phase three with up to 75% occupancy, now we're back at 50% occupancy. 

I unexpectedly sold an EBay item on Sunda (it's been a while since I've had a sale) and the two people ahead of me weren't wearing masks even though we still have a mask mandate. That Pfizer vaccine can't come soon enough for me. Fingers crossed that I get selected. 🤞🏾

I really have banged myself up this last week. I have some sort of carpet burn on my side possibly from the Lyra loop, I think I may have broken the same toe again, and I sliced my finger open in the lab fridge door. I'm a walking accident!

The Dow passed 30,000 yesterday! So exciting. I am less than $23k from $1 million in just investments. My home equity & car worth is what is pushing me over $1 million now. I am kind of kicking myself for not getting in on those travel stocks, but oh well. You win some, you lose some. There will be other opportunities I'm sure.

I am home during the day for the next 3 days. I need to go grocery shopping for today's holiday cooking. So happy to have a few days off. I still have to work in the evening, though. I have 3 more use or lose days before the end of the year after this. I will take them the week of Christmas. My sisters are still planning to come home & I pray for their safety traveling.

it is my birthday next Saturday & my early birthday present to myself was buying President Obama's first volume of his presidential memoirs. He is a wonderful story teller & I look forward to reading it when I can find the time. I may lend it to my mom first as I'm currently so busy. It is over 700 pages.

Friday is payday & I only have 3 paychecks left in 2020 as well as 3 payments on my car. My last car payment is my Christmas paycheck. Merry Christmas to me! That's $200 extra biweekly. I love when I give myself a raise through debt payoff. I will also max out my TSP with my last paycheck.

Happy Thanksgiving all! 🦃 

Net Worth $1,077,566

My work at the private lab has really picked up. Since they first called me in on a Friday evening, I've been in every weekday evening since then with the exception of one. They have arleady contacted me to say they'll need me every evening this week, except for Thanksgiving evening. At my hospital job they also are offering as many hours as I want. They continue to lose their full-time staff for better pay & hours elsewhere. I don't understand why the hospital administration doesn't take some action. It's a critical situation in the middle of a pandemic.

I can say that the rate of positive COVID tests are really ticking up.  One of my fellow lab supervisors lost his wife to the virus Saturday. I don't know her health history but I would guess that he is around 50, so not elderly. Please be safe out there all.

My debt pay off continues to tick down, while my net worth continues to tick up. If I continue to work these hours the payoff date will continue to move closer. I've already made at least $25k between these two jobs this year.  Next year, when I'm debt-free I'd like to scale back. I think I have finally learned the lesson on how to budget & be more aware of the debt I'm accruing. 

I can't wait to write an end of year update. I've accomplished so many things this year!

Today is a beautiful day, the weather is perfect. I'm actually writing this while sitting outside sipping on a cafe au lait at a local coffee shop. ☕️

I had my Lyra class this morning. I had a hard time getting up because they finally called me back to do some COVID testing last night. I worked almost 5 hours. It's nice quiet work. I'm happy for the extra money. They pay very well & it will help me with my debt payoff.

My expected debt payoff time keeps moving up which is exciting. I can't wait to be debt free (except for my mortgage). My mortgage will be under $55k with my next payment! I owe less than $600 on my car.

I'm a federal employee & the Senate is proposing freezing federal employees pay. There are the 2 Senate races in Georgia that will decide control of the Senate. That may be the deciding factor for what happens. The president can override the Senate, but I don't think he's in the mood to show such goodwill.

I'm due for a step increase in January so even with a freeze I'll still get a raise. It's understandable during economic crises, but the spending freezes don't help when expenses keep going up. We had several years of freezes under Obama. I'm thankful to have a job, to get the $1200 stimulus that I didn't really need, an unexpected windfall with the union settlement, & to still get my step increase. I'm blessed in so many ways.

Net Worth $1,047,070

Well, it's finally over. The election has been called & I couldn't be more relieved. The markets handled the uncertainty just fine.

I planned on giving all of my immediate family planners with stickers for the next year. (Added: I already purchased the Denise Albright planner stickers. She has several sets of stickers for working people, moms, dads, budgeting.) I found some planners at Dollar General yesterday, but I think I will end up buying something spiral-bound. They were surprisingly nice for $1, though.

I think I will end up paying off my credit card debt before spring. Probably not by the end of the year, but earlier than I had planned. My car loan has 4 more payments on it then she's all mine!

Net Work $1,023,683

I haven't been working my third job since August, but on Friday they contacted me to say that they're going to be ramping up COVID-19 testing. They have a new instrument so I would need to be trained on it if they want me to use it rather than the instrument I was already trained on, the BD Max. Both labs that I work at also got a BioFire, but it doesn't seem to be getting much use yet. 

At the hospital we are using the Abbott ID Now. It gets super busy with the seasonal flu testing, as well as the COVID-19 testing. The ER is supposed to be getting their own instruments to run, which will be a huge relief for the lab. 

I checked my mail Saturday & I received my settlement money! I mobile deposited it & scheduled 3 more weekly payments to my credit card. This debt will be knocked out in no time!

The IRS announced that retirement plan limits will stay the same next year. So I will continue to contribute $19,500 to my TSP & $6,000 to my Roth IRA. 

Happy Halloween! 🎃

We had a fun Lyra photo shoot yesterday evening inspired by Halloween. I got some good pics out of it. My flexibility with Star on the Bar (my favorite pose) continues to improve. 🌟 

Yesterday at the clinic we had a Halloween party. There was costume & pumpkin decorating contests as well as other fun games. Lots of good food as well. It was a fun event. 👻

We survived Hurricane Zeta with little local damage. There was more damage in the New Orleans area with this storm. And we still have another month to go in this very active Hurricane season. 💨

I've decided to start trading stocks within my Roth IRA (for tax purposes). I'm excited to do my research & learn more about the companies I'm interested in. They say you should buy what interests you & I am definitely leaning towards stocks related to travel. 🛩

Cruises are no longer under a No Sail order as of midnight today, but who knows when they will start cruising again. When will people feel comfortable cruising? Maybe not until there's a vaccine & even then maybe only when we've had time to study the side effects. 🛳

I got my third paycheck of the month yesterday. It's nice when you get to make an extra payment on debts. I'll do some end of the month budgeting later today. 💰

I have 4 biweekly payments left on my car loan! Today my cash on hand exceeded my debts for the first time in years, probably. Still on track for total debt payoff by spring 2021. 🙌🏾

Net Worth: $960,559