Payday was Friday! These days I’m only excited for payday to pay off more debt!!!! Huge change from the past!
This week $1200 was sent to debt! $500 in minimum payments and $700 extra to my last credit card. That brings the grand total down to $978! Hopefully only one more payment and I will be credit card debt free!!!
Continue reading “Debt update!”This week I started the ChooseFI 101 course just for fun and reinforcement of what I’ve learned. Boy, was I surprised….
I got to the tracking your spending exercise and realized that I had not at all been doing a good job at this! So, I added it all up and WHOA!
Continue reading “Where does your money really go?”The HSA is a powerful tool for investing! After my HSA funds go to the bank my employer uses (they will not allow me to deposit it directly into investment account) I transfer it to my fidelity HSA where i’m invested in their total stock market fund! I know most people use it for eligible expenses that year as needed, however if you can afford to invest in your HSA and pay out of pocket for medical expenses this can be an amazing tool! It is pre-tax, grows tax free and is tax free upon withdraw as long as it is for eligible medical expenses. Disclaimer- you must have a high deductible health plan to be eligible.
Continue reading “HSA eligible items you may be surprised to see!”My personal win on this subject!:
A side effect of paying off debt is better credit!!! I am SO EXCITED about this! My score has only ever been as high as 690. Right now on all of the free credit sites say 682 or so! I also have made even more debt payments since they last updated my score!!!
Continue reading “How to improve your credit score.”Househacking is a powerful tool and one of the biggest levers of FI in my book. Housing is one of the average American’s top budget items, taking up an average of 37% of income! If you’re trying to “get off the hamster wheel” that truly makes it much harder!
Continue reading “How much can househacking save you?”My simple answer to this is…hell no!!!!
This is one of the questions naysayers have regarding the FIRE movement. My husband included. When I announced to him that I would be retiring within 6-10 years he looked at me like I was nuts and said “Don’t you even want to work until you’re 40?” He looked at me like I was crazy and when he said that my brain about exploded. How could anyone think this? How does he think I’m the crazy one when he just said something so nuts? I soon found this is a pretty common question FIRErs get!
Continue reading “Won’t you get bored if you retire early?”This week is a big week for my snowball! I just knocked out another credit card! YAYY! And I had some left over to throw at my LAST CREDIT CARD! Yes, you read that right. SO EXCITING!
Continue reading “Debt Update!!”I just wanted to share my most recent numbers!
Starting in September debt: $27,831!
Debt now: $19,812!
Total paid since mid september: $8,019!
Continue reading “Debt Update!”YAYYY!!! I paid off my Walmart credit card and the last payment hit the account. This is so awesome to see! It has been YEARS since this one has been fully paid off! I cannot wait to keep the snowball rolling in 2020! This is the year I will be debt free!
Hello again!
I am going to start briefly sharing a financial win and financial fail each week! Here is the first one!
Continue reading “Weekly Summary”
Pennies to Riches 