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It s what it is....

February 2nd, 2017 at 09:41 pm

Im starting this off with, "It is what it is." and with that said, its always time to move forward.

Newbie here. Actually I have been going to this website since I was 24 years old thinking and educating myself on retirement and life insurance. Luckily, my interest came while working briefly for a financial company that taught me about financial freedom and eliminating debt. In a nut shell, I don't work anything close to financial matters.

I am 33 and have a pretty good career ahead of me.
Heres are few other things .....

(1) As of yesterday, I, ME, Myself is at ZERO credit card debt. Well maybe I am lying. My partner and I do share a CC that has a somewhat balance on it of $1,800 and change....and its only at this balance from a recent vacation. To be paid off within 2 months. Kinda splurged. Well deserved.

(2) My goals for this year is to start a freakin retirement! Im late! and I have no idea where to start. I been in school the last decade so its time to really make this GOAL REAL. PLEASE and THANK YOU.

(3) hmmmm...what else. I have no car payment, pay little rent, monthly bills seem to be in order and I probably spend too much eating out.

Need to check out for now...

8 Responses to “It s what it is....”

  1. scottish girl Says:


  2. snafu Says:

    Welcome to SA Blogs. Delighted you've come aboard. I'm sure everyone will encourage you to take the 1st steps towards meeting your goal of having a retirement plan. My 1st question is, does your employer offer a retirement plan? Does your employer offer any matching funds? What are their 'rules?'

  3. VS_ozgirl Says:

    Welcome to Savings Advice! Looks like you are starting off with a fairly clean slate in terms of debt, looking forward to sharing your financial journey Smile.

  4. CB in the City Says:

    Welcome! You are in pretty good shape, with no debt. You can start putting $ away for retirement and it will pile up faster than you think. Work on that eating out -- if you can just eat out half as much and put the rest in savings you will make good progress.

  5. James Says:

    Hey JB, welcome to the blogs.

    Sounds like you've made a lot of progress. Now that you have your debts discharged, have you made plans to start investing or saving?

    - James

  6. creditcardfree Says:

    Welcome to SA! Do you have a retirement plan at work. That is usually an easy place to start. The money comes right out of your paycheck.

  7. LuckyJB Says:

    Hello and thank you,

    As far as I know my job does offer a 401K but does not match. I did not jump into the 401K because I was thinking of my job transitions within the next year or so. I was also unsure about wanting to have a 401K with this employer. Maybe something outside...

    I have some savings now.
    I also have some student debt which is approx 36K. I have a low payment going to them right now.

    Thanks for the welcome and support.

  8. rob62521 Says:

    Welcome! Glad you are here.

    Start that retirement account immediately so you can reap the benefits when you are older. Even if you don't have matching at work or can't do a full amount, compound interest is your friend!

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