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Archive for October, 2014

401K, Please Help

October 20th, 2014 at 03:05 pm

Hi all!

In December I will be eligible for my company's 401k. I'm not too aggressive but have no clue on where I should park my funds.

Can someone help me with this?
If so please send me an email at

Hit the send button

October 6th, 2014 at 12:26 am

Well I went ahead and paid off the no interest CC. In my heart, I know I did the right thing but my mind tells me differently.

I will say this it feels darn good to know that I went from about 10 CCs to only four. Hopefully by December I will be down to three.

Last week's sermon message was "If you don't have a plan then you plan to fail." With a little bit of determination and effort I have been sticking with my plan and it feels great to see things coming into place.

Normally when I do not blog I tend to fall off the wagon. But I am proud to say, I am still trucking along. Bumped my EF up, added to my IRA and paying down debt. It feels great.

Oh and the job is going great. Been there now for 90-days and had a great review.

Things are starting to fall in place. Thank God.

I need your help. I have a question for you all.

October 5th, 2014 at 01:11 pm

Hi all!

It's been a awhile but I haven't stop working on paying off debt and saving.

I've been on the new job now for three months and was able to sock away a little over $1000 to rebuild my EF. I've also been able to add about $200 to my IRA account. Not much but something is better than nothing. Not to mention I've been getting the debt down as well.

So I have a question for you all. I have an extra $500 set aside, different than my EF.
I owe about $450 on a no interest CC, interest doesn't start until 2016. I'm sure I'll have it paid off before then. I owe about $1400 on another CC, with interest. I'm not sure if I should pay off the no interest CC first or add the funds towards the CC that is accumulating interest. If I was to pay the $500 on the interest CC that will bring the balance down to $900. Next Tuesday is payday and I can add another $300 on that balance, leaving a balance of about $600. So I wanted your thoughts, which should I pay off first?

I like the Dave Ramsey way of paying off debt starting with the smallest debt, it just seems like I'm accomplishing thing.