I haven't posted all year. But I've been busy....working 😆 I do occasionally post something in my stories... So since I've been M.I.A. Here is my year end review:
First the not so good:
🥴I'm back in debt📈And not a little debt. I have 1 credit card 💳 with a balance of over $28,000 I know... I know. I'm 🤬 at myself. I have to pay this off. Probably not with gazelle intensity but still pay it off with extra consistent payments.
🥴PMI did not drop...yet.
🥴I did not increase my EF to $16k
🥴I did not lose all the weight😫
Now the good:
😊I have been consistently contributing to my retirement accounts. I maxed out my Roth IRA again this year.
😊I still have a fully funded emergency fund for 6 months.
😊I have lost, as of December 4th, 10lbs. I've been seeing a nutritionist because exercising and my diet weren't working.
😊I'm still saving money for a new to me car 🚗 I have a little over $3k
😊I am still tracking my expenses & even with my credit card debt my NET WORTH is over $260k
😊I have made one extra mortgage payment this year plus my refund from my escrow overage
😊I still have sinking funds
😊I've read 1️⃣7️⃣ books📚 this year
😊I contribute to a UGMA for both my son & my niece. $10 a month for my son plus 1 share of an index fund for birthday & Christmas. For my niece, I only contribute on birthday, Christmas & extra checks😉(It's not a lot but its something)🙃
😊I'm still 1 month ahead on bills
I worked a lot this year. I made an extra $33,479.81 in overtime! Where that money 💰 went idk. 😆 🥲😟
Now to make plans in 2024 to pay off a good chunk of this credit card 💳 debt
#debtfreecommunity #debtfreejourney #singledebtfreecommunity #debtfreeblackgirl #debtfreefirstresponder #teamtinyshovel #savings #sidehustle #personalfinance #budget #buildwealth #beingweird 🦄 #blackpfcommunity #letmetrythisagain