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It s what it is....

February 3rd, 2017 at 05:41 am

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...

Posted in Budgeting, Credit Cards, Debt, Education, Investing, Personal Finance, Retirement, Saving Money | 7 Comments »

7 Responses to “It s what it is....”

  1. scottish girl Says:
    February 3rd, 2017 at 09:36 am 1486114589
    1486114589

    Welcome!

  2. snafu Says:
    February 3rd, 2017 at 09:43 am 1486115001
    1486115001

    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:
    February 3rd, 2017 at 10:17 am 1486117020
    1486117020

    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:
    February 3rd, 2017 at 01:02 pm 1486126939
    1486126939

    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. creditcardfree Says:
    February 3rd, 2017 at 05:02 pm 1486141374
    1486141374

    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.

  6. LuckyJB Says:
    February 3rd, 2017 at 06:20 pm 1486146030
    1486146030

    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.

  7. rob62521 Says:
    February 3rd, 2017 at 09:13 pm 1486156426
    1486156426

    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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