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Board index » Fiscal Fitness » Fiscal Fitness Journals


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Leila
 Post subject:
PostPosted: Sat Aug 15, 2009 7:21 pm 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
Balance: $0 :D
Emergency Fund: $1000 / $7600

I made my last student loan payment yesterday. I am now working on my Emergency Fund (3 months at $2200 each plus $1000 Rainy Day Fund). I am no longer doing any extra online work. My job has promised me a bonus that will go a long way towards building the Emergency Fund. However it won't be paid for many months. I am crossing my fingers that it goes through.

After I build my Emergency Fund, I am stuck on what to do. I will definitely bump up the retirement savings, but so much of my networth is tied in my condo right now, that I'm not sure if it makes sense to pay down the mortgage. Right now I am pretty happy with my progress. I am still struggling to find the right balance between saving and spending.
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InterfaceLeader
 Post subject:
PostPosted: Sun Aug 16, 2009 2:05 am 

Joined: Wed Dec 31, 2008 9:03 am
Posts: 82
Location: UK
Congratulations! That must feel wonderful, not having that debt around any more!

Are there any goals you want to accomplish? Travelling is a lot of people's wants after clearing debt, and my Uncle saved up for a boat, because he loves sailing. Or maybe early retirement? Time to remember what you used to dream about doing :)

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Leila
 Post subject:
PostPosted: Wed Oct 07, 2009 9:24 am 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
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Last edited by Leila on Thu Dec 20, 2012 5:06 pm, edited 1 time in total.

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Leila
 Post subject:
PostPosted: Wed Oct 07, 2009 9:43 am 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
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Words to meet minimum requirement.


Last edited by Leila on Thu Dec 20, 2012 5:07 pm, edited 1 time in total.

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Leila
 Post subject: Wow
PostPosted: Fri Oct 09, 2009 5:11 pm 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
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Last edited by Leila on Thu Dec 20, 2012 5:07 pm, edited 1 time in total.

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Leila
 Post subject: Re: My First Home
PostPosted: Mon Jan 03, 2011 9:40 am 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
Deleted post.

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Last edited by Leila on Thu Dec 20, 2012 5:07 pm, edited 1 time in total.

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partgypsy
 Post subject: Re: My First Home
PostPosted: Mon Jan 03, 2011 3:19 pm 

Joined: Wed Mar 26, 2008 1:35 pm
Posts: 425
Location: USA
That's awesome you wiped out your debts and have that much in savings and retirement at your age. You are certainly doing something right.
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Leila
 Post subject: Re: My First Home
PostPosted: Fri Jan 14, 2011 8:22 am 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
Deleted post.

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Last edited by Leila on Thu Dec 20, 2012 5:07 pm, edited 1 time in total.

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Leila
 Post subject: Re: My First Home
PostPosted: Mon Jan 31, 2011 3:20 pm 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
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Words to meet minimum requirement.


Last edited by Leila on Thu Dec 20, 2012 5:07 pm, edited 1 time in total.

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peachy
 Post subject: Re: My First Home
PostPosted: Mon Jan 31, 2011 3:44 pm 

Joined: Mon Feb 04, 2008 7:35 am
Posts: 1036
Location: Maryland
I think you can only max your 2010 Roth until tax day, April 15. Correct me if I'm wrong though. I would probably take some out of your savings and max it while you can. You can always take the contributions back out for your house if need be, although I wouldn't do it since you're doing well with your savings.
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Leila
 Post subject: Re: My First Home
PostPosted: Wed Feb 02, 2011 12:02 pm 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
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Last edited by Leila on Thu Dec 20, 2012 5:08 pm, edited 1 time in total.

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Leila
 Post subject: Re: My First Home
PostPosted: Fri Feb 11, 2011 7:57 am 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
Deleted post.

Words to meet minimum requirement.


Last edited by Leila on Thu Dec 20, 2012 5:08 pm, edited 1 time in total.

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Panda
 Post subject: Re: My First Home
PostPosted: Fri Feb 11, 2011 12:17 pm 

Joined: Mon Jan 11, 2010 9:06 am
Posts: 160
Location: Texas
Leila wrote:
I've been superstressed about money lately. I think I am nervous about paying for school (and getting in), but since I can't do anything about that I am focusing on small, insignificant things. I need to find a way to stop.



I def go through phases like this. Even if I'm not superstressed, I'm maybe superobssessive. It seems like the big things take so long, so I watch the really small things.

Just try to step back periodically and breathe.
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Leila
 Post subject: Re: My First Home
PostPosted: Thu Feb 24, 2011 10:01 am 

Joined: Mon Jan 21, 2008 6:40 am
Posts: 55
Deleted post.

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Last edited by Leila on Thu Dec 20, 2012 5:08 pm, edited 1 time in total.

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Panda
 Post subject: Re: On to Grad School... (Formerly My First Home)
PostPosted: Thu Feb 24, 2011 11:36 am 

Joined: Mon Jan 11, 2010 9:06 am
Posts: 160
Location: Texas
COngrats on getting accepted! Wishing you luck for the others...
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