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Smallsteps's Personal Finance Blog update

August 28th, 2018 at 05:24 pm

This new job has a Friday payday. The previous one the direct deposit was on Wednesday.
I will learn to adjust my payments but in reality I have a large cushion in checking which is now I am thinking too large and could do more for me in either an interest earning account or paying extra on debt.
I also have decided that there are a few items I have put off that really should be dealt with such as some minor car/ house maintenance. I also need to revisit my retirement goals as these contract jobs do not offer 401k etc and I need to bump up my IRA/ Roth IRA.
I realize I have gotten impatient and could have possibly done better investing instead of throwing so much towards mortgage which is at a very low interest rate. I will try to hold off on throwing money on that but in reality it is a very fast WIN to see the mortgage balance fall.

day two

July 3rd, 2018 at 08:42 pm

well day two of job went better maybe I can handle this for awhile.
Like most people here I budget a percentage of each check to debt repayment. I was going to wait until I got regular checks to spend down some cash I had kept aside in case I did not get a job this soon.
I have scheduled payments to use that cash NOW so I am more determined to make job work. It may backfire and I will need to readdress my goals. In the mean time I can make a dent into my car/ CC and mortgage.