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Thank you for the great advice

May 22nd, 2019 at 03:36 pm

I received my $11 survey check finally. I really wish they would make the funds available direct deposit. But I’m not complaining it extra cash.

Now I’m trying to decide if I should throw the $11 at my EF, CC9 or my Vanguard account. I need about about another 6k to have six months of expenses. Unbelievable, $11 and I’m struggling with this. πŸ™„πŸ€¦πŸ½β€β™€οΈ

I want to say thank you to this group for chiming in on me opening my retirement account. I had heard of the conversation but for some reason I had no clue exactly what it was. I liked the Roth due to the delayed tax but as Monkey Momma pointed out the traditional may be best for me saving on my taxes, especially as I’m paying down my debt. I’ve decided to throw 2% each pay period to the Roth. Once CC9 πŸ’³ is paid, I’ll throw 3% to the traditional and 2% to the Roth, since it makes no sense for me to now close the account, unless you all have another suggestion, I’m open. But right now it’s 2% until CC9 πŸ’³ is paid off. Once CC10 πŸ’³ is gone, it will be 5% to both and any extra cash will be split between both. Once the student loans are gone, hopefully three years, I can drop 15-20% to these accounts.

Other news, last night I hosted bible study πŸ“– and provided snacks for $13.36. I was able to find reduced produce on sale and used my healthy rewards card, saving me another $1+. I almost spent close to $30 on prepackaged fresh fruit but remembered I’m on a budget and I needed take my time and find the most cost effective snacks. When ever I’m in a rush, I over spend.

I went to a job fair today for my organization, made sure I packed snacks and drinks so that that way I was not tempted to purchase over priced snacks and drinks. I also drove home to have lunch. It makes a huge difference when you pay in cash πŸ’°. I have $20 left in my dining out account and there was no way I was going to waste it, I lost $40 over the weekend, forgot my lunch Monday, and spent $10. So I’m not a happy camper.

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