I received a 2.55% raise. I wasn’t initially excited about this; I thought it could have been higher. However, it is what it is, and I have to remember that some people don’t have jobs right now.
What really changed my outlook on things was that I increased my 401(k) contributions by 2% because (I can’t enter 2.55%). I didn’t realize I was at an 8% contribution rate; I thought it was lower. I must have bumped my contribution last year when we got a raise. I’m at 10% contributions, with the 2% bump. I’ve never in my life contributed this much, I’m so thankful to have been able to do this. My organization matches up to 45% and you’re vested from day one, I’m very thankful for this.
My balance is $36,419.75, just in three years. I know I’m way behind, I’ve used my 401(k) in the past to pay bills when I wasn’t working( never do this if you can help it). Though I know there is still room for improvement as it relates to my finances, however, I am thankful that I learned the importance of saving and reducing my debt.
Once this student loan is gone, I can bump this amount more.
Other news, I started back using my planner, thus always keep me on track, as well as blogging. Accountability is key.
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