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2016! YES! A Year for optimism. Forced optimism, mind you. There's plenty of emo bullshit that nobody wants to hear, so let's get to the checkpoints (not necessarily in any particular order): 1- Max out 401k and 457 2-Max out both IRAs 3-Pay down car loan... WAIT WHAT? Yeah, my wife got a new car. She was tired of leasing (which I had said for a decade was a bad idea) but she kind of went at it in a wonky way and welp, brand new Rav4. $20k  I'm looking to get rid of the whole shebang as quick as possible, but the rate is 2.69% so I'm not trying to liquidate the taxable fund.4-Continue funding 529 5-Pay down the mortgage by an extra $15,000 Stretch of a stretch (because the endgoals for #3 and #5 are stretches themselves) - somehow manage to do all of this AND minimize the tax refund to under $1000
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Dec 19, 2015 02:34
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moana posted:welp, look who's getting started early with her new year goals   It truly is the best and worst thing at the same time!Edit: And that's without me noticing the responses well ahead of me!
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Jan 2, 2016 21:27
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balancedbias posted:2016! YES! A Year for optimism. Updates: 1-on schedule 2-on schedule 3-I'm basically letting wifey dear handle this one; she is putting "a little extra each payment." When it comes to finances she lets me handle so much, she wanted be in charge of it as a sign of good faith. That extra was $100 in January and $112 in February. 4-Steady as she goes. 5-Ugh...So far I have ~2100 earmarked as house payment bonus accumulated, but some home-related repairs mean I may not come close to this by the end of the year.
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Mar 5, 2016 15:38
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balancedbias posted:2016! YES! A Year for optimism. 1, 2, and 4 on schedule 3 - She has shaved off an extra 2.6k so far, yay! 5 -  So, I helped out my sister with this money because she was in a pinch after the Verizon strike. I'm still accumulating, but nowhere near making the goal.
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Jun 7, 2016 01:24
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balancedbias posted:2016! YES! A Year for optimism. Then in June: balancedbias posted:1, 2, and 4 on schedule And now... 1 = DONE 2 = DONE 3 = She paid an extra 400 for a total of 3k early this year. Her mom 4 = still on schedule 5 = as I said before, diverted temporarily, but back at it. For the year, maybe 6-7k. The stretch of a stretch is not happening; at least it's for the relative positive (meaning the refund will be a bit big). I'm already looking forward to next year: 1 - Max the 401k and 457 2 - Max the IRAs 3 - MAX THE HSA! I have access to an HSA! Finally! (Nobody at work really knows why this made me so excited during open enrollment) 4 - Continue funding 529 at 250/month 5 - STRETCH - pay off that car loan. I'm taking this one back on myself; based on family dynamics, getting rid of this by the end of next year will recreate the type of cash flow that will allow a bit more breathing room and use as an unofficial family emergency fund. I don't think Trump got my letter to get an exemption from economic policy and outsource my parents/siblings/in-laws.
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Dec 3, 2016 13:29
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