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End of September

September 29th, 2020 at 08:47 pm

The end of September means my mom's birthday (tomorrow) and also the end of the 3rd quarter. We're not at market highs, but neither are we at market lows. I'll definitely see an increase over 2nd quarter earnings.

This is also the time of year that we usually hear about whether contribution limits for next year's retirement plans will increase. From everything I've read we shouldn't expect an increase. So my contributions will stay at $750 biweekly and $500 monthly.

9-11

September 11th, 2020 at 05:30 pm

Today is 9-11 & we remember all the lives lost that day. I pray that our country returns to the unity we had in the days following that tragic event.

This week has been busy. My employee is out on maternity leave & another employee has also been out this week. I had to cover the lab as well as my everyday supervisory duties, plus cover for my lab manager in some duties as she took a short vacation.

Today I stepped on the scale & I saw a number that I haven't seen in well over a decade. Pretty exciting. I just hope to continue on this path.

I signed up for a level 1 hammock class at the aerial fitness gym. It will be my first time trying hammock. They also have pole, flexibility, and chair choreo classes. I have never worn heels as high as the heels they wear for the pole classes! I think I'll pass on those classes, at least for now.

Now that we are moving into phase 3, they are starting back at the salsa studio. They are having a limited sign-up social Tuesday. I'll need to do some practicing before I make an appearance!

My sister put an offer on a condo & it was accepted! I'm very excited for her becoming a homeowner. She's never had her own place, even just renting an apartment. I'm going to send her some tea towels as a housewarming present as well as a gift card, maybe to Target.

My finances are as usual. I continue to make progress on paying down debt & will soon be able to say that the credit card debt is below $10k. Still on track to pay it off by spring.




PayDay...Kind Of

August 15th, 2020 at 03:51 pm

I got paid yesterday for my third job. I only worked 4.37 hours due to the kit shortages. I paid 75% of my pay in taxes because I have it set up to take an additional $100 out each paycheck. So I netted approximately one hour’s pay. Oh well. Even though I’ve only worked there 3 months I’ve already made over $10,000 for the year.

TSP says my personal investment performance for the last 12 months is only 6.26% but it sure seems like a lot more with the recent gains.

Net Worth: $969,408

August Already

August 2nd, 2020 at 12:41 pm

Time flies when you’re having fun. July was a good month for me. Although I didn’t get as many hours as I did in June, I still consistently paid down debt. I’ll be getting more hours this month. I also did a bit too much spending on July so I’m taking/sending some things back.

My debt continues to go down & my investments continue to grow. Next year when all my debts are paid off & I get another raise maybe I can start looking at doing stock trades. I have a couple of friends as well as my mom that seem to really enjoy it. I won’t start with much at first.

I got my hair done for the first time since everything got shut down. It was $90 including tip. She had to trim a good bit. I’ll have to be more consistent about going now. Hopefully we don’t get shut down all over again.

A couple of things that I won’t be sending back is my new Dash minis: griddle & waffle maker. I got such a great deal at Belk’s thanks to a tip. $12 on sale and another 10% off with pick-up. I already made roasted garlic mashed potato waffles & they were so good.🥔🧄🧇

My friend invited me to an online Croatian cooking class at the end of the month. The theme is Jewish foods & I think it will be fun. I can’t eat the food on my current plan, but I can bring it to my parents. I will have a little to taste test if I decide to participate.

Where I’m At Now

July 18th, 2020 at 01:58 pm

From a high of $22k in credit card debt earlier this year I’m now down to...[drumroll]...$12k! And I now have a $5k buffer in my checking account that I haven’t had in years, plus I have $2300 in savings that I haven’t had in years. All of this has happened in less than 6 months, y’all! 🤯

Amazing how quickly you can see changes when you buckle down & make the changes. Also, I would never wish the devastation of this pandemic on anyone, but it honestly had a role in changing my behavior & contributing to my success. With nowhere to go, canceled trips, and all the available hours to work it made a big difference. Also, the $5k gift from my mom that she will match at the end of the year. I’m so blessed!

And my investments are up to $840k this morning. Who knows how long they will stay there, but they’re chugging right along for now.

And in other good news, my latest credit score updates was 836. If I pay off all my debt maybe I’ll see a perfect score of 850?

Pay Day Friday

June 13th, 2020 at 05:03 pm

I received 2 of my paychecks this Friday. I will receive the third on Monday. My credit card debit is down to $15k with yesterday’s payment. Monday I will send $500 to my Roth IRA. I have set up recurring transfers again on the 15th of every month.

I am contemplating taking a break from my second job in July. The third job is keeping me plenty busy with 20-25 hours weekly. Having a break on the weekends would be nice.

With the lack of gym time I’m looking to make some changes to my diet. I’m speaking to a friend today that has lost a lot of weight through dietary changes. And with my weekends free maybe I can get back to taking my evening walks on weekends at least.

TSP Increase

May 14th, 2020 at 12:01 pm

I had decreased my TSP contribution to just enough to get the full match while paying down credit card debt, but with the new job, the sign-on bonus, the stimulus payment, canceled vacations, & the gift from my parents I decided to increase it to meet my limit again this year. I may have to adjust it again closer to the end of the year to make sure I max it out.

I also will have finished paying back my TSP loan at the end of the month. I sent an extra $500 payment last week. That will give me another $250 per paycheck.

COVID-19

March 14th, 2020 at 03:37 pm

I know everyone is tired of hearing about COVID-19, especially us health care professionals, but it affecting all aspects of life. This week my facility had the first positive patient in our state.

I was supposed to leave for Montreal tomorrow, but that trip (and the event I was traveling for) is now canceled. Also looking very iffy at the moment is my trip to Switzerland booked for May. It may be a blessing in disguise that I can stay home & focus on paying off debt rather than traveling.

I’m down nearly $200k in the market. Sure wish I had been sitting on some cash that I could have dumped in the market.

The Revealing

March 3rd, 2020 at 06:26 pm

So through a set of circumstances that my mom is calling divine intervention, almost the entirety of my debt was revealed to her. Of course I was...there is not a word that could accurately describe what I felt. My debt is definitely a source of shame & fear. Not fear in that I can’t pay it, but that it’s a cycle that I’ll never get out of.

So we had a discussion over the phone. She wanted to wait until later to talk since I was at work, but I hate that. When people have something serious to say to me I want to hear it now, not later. Anyway, after the discussion I went in & cut my TSP contributions down to the minimum I needed for my full match. That will put $600 more in my check before taxes. Once I finish paying off my TSP loan in July I’ll have another $250 a paycheck after taxes. Once I pay off my car I’ll have another $150 per paycheck, also after taxes of course. If I suspend my IRA contributions that’s another $500 a month.

I’m going to pull out my Dave Ramsey book & get serious. I may even take the course offered at church. I’m tired of this debt yo-yo & I’m going to nip it in the bud once & for all.

My mom asked me about my travel & will take the next 2 trips that I have scheduled. After that I’m on hiatus. It will be hard to pass up trips with my friends, but I’m so determined to do this. Also, I think my mom is somewhat in shock & I’d like her to not worry. She says that she isn’t, but like me, she’s a worrier by nature.

Stock Market

February 29th, 2020 at 09:25 pm

My investments updated today & I am down more than $100k from recent highs. Oh well, I’m staying the course through all the ups & downs. I sent an IRA contribution in last Friday & I wish that I had sent it in this Friday. But you never know what will happen & can’t time the market.