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            [0] => 117.217.203.107
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    [275] => Array
        (
            [0] => 122.180.168.39
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)
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IRA Follow-up

January 11th, 2020 at 05:29 pm

I finally got in touch with Vanguard & she showed me how to correct the issue online. It was very simple. So I was able to recategorize my contribution from 2020 to 2019. I now have $1k to contribute for 2019 & $6k to contribute for 2020. I will send $500 to my 2019 IRA in February & March.

I owe my mom one last payment of $250 for my AC loan. My TSP loan is now below $4k. My car loan will be paid off in the first half of 2021.

I transferred $100 to my savings yesterday & mailed $20 to the local food bank this week.

I received my Clever Fox budget planner this week. I really like it & I’m well into journaling my January budget. I brought my lunch 4 times this week! That’s a record for me.

Posted in Retirement readings, Savings stories, Debt diet, Net Worth, Budgeting, Debt, Food / Groceries, Personal Finance, Retirement, Saving Money | 4 Comments »

IRA Contributions & Budget

January 6th, 2020 at 08:07 pm

I forgot to turn off my automatic contributions to my IRA, so I sent my first contribution for 2020 even though I still haven’t fully funded 2019. Whoops. Needless to say, I turned off the automatic funding. I will finish paying my mom back for the AC loan this month & should have the funds to max my 2019 IRA by April 15.

I have decided that 2020 will be the year I learn to live on budget. Honestly, I never tried before. Just spent as I pleased & my credit card debt reflects that. I want to start this decade off being mindful with spending money.

Posted in Investing ideas, Retirement readings, Savings stories, Debt diet, Spending stuff, Budgeting, Debt, Investing, Personal Finance, Retirement, Saving Money | 4 Comments »

Ten Year Review

January 1st, 2020 at 03:29 pm

Investments:

$155,187 2009Q4

$842,089 2019Q4

$686,902 Ten Year Investment Growth

I will update this blog as I find other stats to include.

ETA: 2008 was the first year that I maxed out all of my retirement accounts. I always contributed the max to my IRA & in 2008 I was able to do the same for my employer sponsored plans as well. Prior to 2008 I received no employee match, now I receive a 5% match.

Posted in Investing ideas, Retirement readings, Savings stories, Net Worth, Investing, Personal Finance, Retirement, Saving Money | 4 Comments »

Goals Met in 2019

December 28th, 2019 at 11:46 pm

While I'm watching LSU win this Peach Bowl (Geaux Tigers!!!) I'd thought I'd write a blog reflecting on 2019 successes.

Health wise, after being diagnosed with type 2 diabetes in 2018 I now have an A1C in the normal range with the help of metformin. I had a significant 2.0% drop in my A1C with medication, exercise, and weight loss of 23 pounds. I work out consistently, jogging 17.5 miles weekly.

I started salsa classes which I love. It took me 3 sessions of level 1 classes to make it to level 2, but I did it. I'm not a natural dancer, but I still love it. In 2020, I'd like to take bachata classes as well.

I met the max limits for my TSP, saving $19k. I saved $4.5k in my Roth IRA & I plan on meeting the contribution limit by April 15th, even if I have to pick up some extra weekends to do so.

Posted in Investing ideas, Retirement readings, Savings stories, Investing, Retirement, Saving Money | 3 Comments »

Year End Bills

December 27th, 2019 at 02:27 pm

My 2 paychecks hit the bank this morning so I wrote a check for my property taxes & to repay a small loan to my mom for the new A/C. I also sent $500 to my Roth IRA. I have until April to max out my 2019 contributions. I have $1500 remaining.

Posted in Investing ideas, Retirement readings, Savings stories, Debt diet, Budgeting, Debt, Investing, Retirement, Saving Money | 2 Comments »

Year End Paycheck

December 27th, 2019 at 01:17 am

We got our performance awards this paycheck. What a nice surprise. I was not expecting them before January. My pay stub noted that I netted $597.15 from my $900 award. So basically 1/3 went towards taxes. This & 2.5 hours OT will go towards my property taxes.

With this last paycheck I completed my max contributions for the year for my TSP. I have increased my contributions to meet the max next year. I still have $2k to contribute to my IRA for the year. I’m behind due to paying for A/C repairs.

Posted in Investing ideas, Retirement readings, Savings stories, Debt diet, Budgeting, Debt, Investing, Personal Finance, Saving Money | 1 Comments »

TSP Update

November 23rd, 2019 at 05:56 pm

I went ahead & updated my TSP contribution to $750 a pay period to reflect the 2020 limit increase. Sometimes the TSP can be slow with updating contribution amounts. It’s okay if it kicks in before the end of the year as the plan won’t allow you to contribute over the limit.

Posted in Retirement readings, Savings stories, Retirement, Saving Money | 2 Comments »

TSP Update

November 23rd, 2019 at 05:56 pm

I went ahead & updated my TSP contribution to $750 a pay period to reflect the 2020 limit increase. Sometimes the TSP can be slow with updating contribution amounts. It’s okay if it kicks in before the end of the year as the plan won’t allow you to contribute over the limit.

Posted in Retirement readings, Savings stories, Retirement, Saving Money | 0 Comments »

Loan Updates

November 12th, 2019 at 06:42 pm

My TSP loan balance is now lower than my auto loan balance. The original amount of the TSP loan was more than the auto loan, but I am paying $250 every two weeks for the TSP loan & only $150 for the auto loan. The TSP loan will be paid off in approximately 20 pay checks. Once I'm no long paying $250 every two weeks towards my TSP loan I can add that $250 to the auto loan. Both interest rates are very low, so it may make more sense to put it towards the credit card debt, though I like the idea of owning my car outright sooner rather than later.

Posted in Retirement readings, Debt diet, Debt, Retirement | 1 Comments »

401k Limits Increase in 2020

November 7th, 2019 at 07:31 pm

As I mentioned in my now deleted blog entry due to the hacking, the IRS will/has announced higher retirement plan limits in 2020. You will now be able to contribute $19,500 to your 401k and catch-up contributions for those 50 & older has increased to $6,500. No change to the IRA limit.

Multiple articles linked below for your reading pleasure:

https://www.msn.com/en-us/money/retirement/irs-raises-retirement-account-limits-for-2020/ar-AAJXoWD?ocid=spartandhp

https://www.journalofaccountancy.com/news/2019/nov/irs-inflation-adjustments-2020-retirement-plans-201922407.html

https://www.forbes.com/sites/ashleaebeling/2019/11/06/irs-announces-higher-2020-retirement-plan-contribution-limits-for-401ks-and-more/#1f285dc533bb

https://money.usnews.com/money/retirement/iras/articles/ira-contribution-limits

https://401kspecialistmag.com/irs-bumps-2020-401k-contribution-limit-to-19500/

ETA:

Biweekly contribution for the 401k:$750
Biweekly contribution for catch-up:$250

Posted in Retirement readings, Savings stories, Personal Finance, Retirement, Saving Money | 3 Comments »

Retirement Savings Article

April 3rd, 2019 at 04:23 pm

The GAO has released a report on the rate of retirement savings at the request of Bernie Sanders. It's still shocking to me no matter how many times I read pretty much the same thing.

https://www.gao.gov/assets/700/697898.pdf

The numbers don't quite match up, I calculated 101% with the percentage breakdown. Savings rates have slightly improved, but still, what is to be done? More personal finance education for children? Is it a lack of education or a lack of income? Probably both. When you consider that this survey is for Americans 55 and older, the picture gets even scarier.

Posted in Retirement readings, Savings stories, Personal Finance, Retirement, Saving Money | 4 Comments »

New Retirement Plan Limits

November 4th, 2018 at 05:42 pm

The IRS announced new retirement plan limits on November 1st. The 401k limit increases to $19,000 and the IRA limit increases to $6,000. For those under 50, you can contribute $1000 more to your retirement accounts next year. Both plans were projected to increase & it's nice to know that it's official. For those of you that contribute biweekly you'll be contributing $731 per period for your 401k(if you choose even distributions) and $500 a month to your IRA.

Im looking forward to meeting my max once again next year. Although the market has had a rough year, I am still committed to contributing up to the IRS limits.