1. Put a minimum of $11,000 to retirement. ($6,000 to Roth and $5,000 to taxable). I am loving the increase in contributions to the Roth. It's $6,000 this year, in case you have not heard! The $11,000 goal is an increase of $500 from last year.
2. Increase replacement car fund to $12,000.
3. Give a minimum of $400 to charity. This is an increase of $100 from last year.
4. Increase Emergency Fund to $20,000.
5. Pay down mortgage principal so that the PMI can be removed. I'm so close, only 5 or 6 months to go!
6. Read 12 books
7. Lose 20lbs
8. Increase social activities.
9. Learn coding.
10. Learn more about my family history.
11. Meditate.
12. Be kinder and more patient.
13. Increase FI/FU fund to $1,200.
14. Figure out my purpose in life.
What are your goals for the new year? Any special ones that you would like to share?
I hope that my next post is an update on my 2018 goals. Have a great day everyone!
figuring out your life's purpose is no small thing, counselor. 20k is a nice big emergency fund. i hope you're getting at least 2% on that in a savings account.
ReplyDeletei would like to learn some more technical stuff about this blogging and if that includes learning some code that would be a bonus. i might have to try kahn academy or something free. i wouldn't mind learning just enough to make some location independent money in retirement. also, great idea on the car replacement savings bucket. we might need to buy one in the next couple of years. be aware of potential home repairs too as we escaped most of the big ones for years but in '17 we needed a roof and '18 needed a big paint job. luckily we were ready. best of luck with it all.
I have $5,000 of my EF in an account earning 2%, the rest is just sitting in my bank account. I plan to try to learn coding from websites. Yes, home repairs are a money drain. For now, I plan to leave home repairs in the emergency fund bucket. After I get the EF to $20k, I will start saving for home repair issues. I definitely will need a new fridge soon.
ReplyDeleteDo you need a loan .We are Legitimate and guarantee loan lender. We are a company with financial assistance. We loan funds out to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business. I want to use this medium to inform you that we render reliable beneficiary assistance as We'll be glad to offer you a loan Contact us via Email: pennymarkloanservices@gmail.com or whatsapp +15593320134
ReplyDeleteServices Rendered include
*Home Improvement
*Inventor Loans
*Car Loans
*Debt Consolidation Loan
*Line of Credit
*Second Loan
*Business Loans
*Personal Loans
*International Loans.
Write back if interested with our interest rate of 3% annual. Contact us via Email: pennymarkloanservices@gmail.com or whatsapp +15593320134 for more information.
Please Note: All interested individual must send a message to our email for urgent response and details to obtain a Loan.
Best Regards.
We offer personal, business & real estate programs and my primary focus is to help clients secure the capital they need for their projects. Loan amounts starting from $2000 with favorable terms and amortization schedules up to 20 years. I like to work with: Multifamily, Warehouses, Hotels, Resorts, Shopping Centers, Retail, Offices, Industrial, Mixed Use, Film Production, Green Energy, Renewable Energy, Gold Mines, Airports, Assisted Living Facilities, Cannabis, Special Situations, Fix & Flip and Equipment Funding. My programs allow for instant loan decisions "without running a credit check".
ReplyDeleteSkype ID: .financeplcgoldencrown@gmail.com
LinkedIn; .financeplcgoldencrown@gmail.com
Email: .financeplcgoldencrown@gmail.com
Phone #: +1513-334-6826
ReplyDeleteHello Everyone I want to quickly use this medium to share a testimony on how i was directed to a Legit and real illuminati member who have transformed my life from grass to grace, from being poor to a rich woman who can now boast of a healthy and wealthy life without stress or financial difficulties. After so many months of trying to to be a member of the illuminati and was scammed the sum of $3,000 i became so desperate in being a member online who will not add to my pains, then i decided to contact a friend of mine who recently became a member, we discussed about the issue and to our conclusion she told me about a man called Ryan Wyatt who is the grand master in the whole of America. So i applied to become a member of illuminati easily without stress and all the preparations where made concerning how to become a member in two(2) days i became a member and the sum of $250,000.00 dollars was deposited into my bank account so i want to advice any one who wants to become a member should call him,+ or WhatsApp him +16282363086 or email (info.illuminatialtar666@gmail.com) he does not know am doing this i pray that baphomet will bless him for the good things he has done in my life.
We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease, our bank instrument can be engage in PPP Trading, Discounting, signature project (s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffer driven offers.
ReplyDeleteWe deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760,
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct. wrightjames931@gmail.com
Regards,
Wright
Skype;
wrightjames931@gmail.com
Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.
ReplyDeleteShould you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.
Please request for full procedure details if interested.
For further inquiry contact:Wright James
Skype:
wrightjames931@gmail.com
Emai:
wrightjames931@gmail.com
WE OFFER 100% NON RECOURSE LOAN, FINANCING AND MT760 BG/SBLC AT DISCOUNT RATE!!!
ReplyDeleteWe are registered private lender, investor, finance trader, direct provider of Bank Guarantees(BG), Standby Letters of Credit(SBLC), Letter of Credit (LC), Non Recourse Loan, Project Funding from top rated banks worldwide at discount rate..
Please if you are interested then contact us for our procedure through email : globalfinanceltdhk@gmail.com
#PERSONAL LOAN!!! #BUSINESS LOAN!!! #MONEY LENDER!!! #IMPORT FUNDING!!! #EXPORT FUNDING!!! #TRADE FINANCE!!! #PROJECT FINANCE!!! #PROJECT FUNDING!!! #LEASE/SALE MT760 BG/SBLC!!!
We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
ReplyDeleteWe are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4 1%
6. Sale Price: 32 2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days
We are ready to close leasing with any interested client in few banking days, if interested do not hesitate to contact me direct.
Name:May Gary
Email:algecoglobalfinanceplc@gmail.com
Skype::algecoglobalfinanceplc
We are direct providers of Fresh Cut BG, SBLC, DTC IPIP, MT103/202 GPI CASH
ReplyDeleteTRANSFER and MTN which are specifically for lease, our bank instrument can be
engage in PPP Trading, Discounting, signature project (s) such as Aviation,
Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real
Estate and all kind of projects. We do not have any broker chain in our offer or
get involved in chauffer driven offers.
We deliver with time and precision as sethforth in the agreement. Our terms and
Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be
verified by your bank, after verification an arrangement will be made for
necessary bank documents and stock testing expenses, the cost of the Bank
Guarantee will be paid after the delivery of the MT760,
DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG/SBLC) (Appendix A)
2. Total Face Value: Eur 5M MIN and Eur 10B MAX (Ten Billion USD).
3. Issuing Bank: HSBC Bank London, Credit Suisse and Deutsche Bank Frankfurt.
4. Age: One Year, One Month
5. Leasing Price: 6% of Face Value plus 2% commission fees to brokers.
6. Delivery: Bank to Bank swift.
7. Payment: MT-103 or MT760
8. Hard Copy: Bonded Courier within 7 banking days.
We are ready to close leasing with any interested client in few banking days, if
interested do not hesitate to contact me direct. Email: wrightjames931@gmail.com
Regards,
Wright
Skype:wrightjames931@gmail.com
Email:wrightjames931@gmail.com
We Offer Lease and Purchase BG,SBLC,DTC IPIP, MT103/202 GPI CASH TRANSFER AND MTN
GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
ReplyDeleteAT THE BEST RATES AVAILABLE
We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING FEE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
PRICE = 32%+2%
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days
Name : Scott james
Email : Inquiry.securedfunding@gmail.com
Skype: Inquiry.securedfunding@gmail.com
ReplyDeleteDear Partner/Associate.
We have direct and efficient providers of Bank Guarantee (BG), Insurance Guarantees, MTN, Confirmable Bank Drafts, Standby Letters of Credit (SBLC) and Third Party Guarantees. If you are a potential Investor or Principal looking to raise capital, we will be happy to answer any questions that you have about this opportunity and to provide you with details regarding these services.
Our BG/SBLC Financing can help you get your project funded, by providing you with yearly renewable leased bank instruments. We work directly with the providers of these instruments. Leased Instruments can be obtained at minimal costs to lessor compared to other banking finance options. This offer is open to both individuals and corporate bodies.
The Financial institution can finance your signatory projects such as Real Estate Development, Aviation Service, Agriculture Finance, Petroleum Importation, Telecommunication, construction of Dams or Bridges and all kind of projects., we fund 100% of the face value of the financial instrument. And we issue from $1M to $5B
Inquiries from agents/ brokers/ intermediaries are also welcome.
If you are interested in seeking to raise finance for your business/projects in this way, please contact me for more information.
NB: Agents, Brokers, Consultants and Intermediaries are welcome to bring their clients from anywhere around the world based on commission and we will work together in complete confidence for the benefits of all parties involved.
Please contact us for our procedure through email :
Contact :Benjamin James
Email: consultantbenjamin.finance@gmail.com
Skype I.D: consultantbenjamin.finance@gmail.com
ReplyDeleteDear Partner/Associate.
We are registered private lender, finance trader, direct provider of Bank Guarantees(BG), Standby Letters of Credit(SBLC), Letter of Credit (LC), Non Recourse Loan, Project Funding from top rated banks worldwide.
We are RWA ready to close deal with any interested client in few banking days, we deliver promptly as set forth by our Deed of Agreement.And we issue from $1M to $5B
NB: Agents, Brokers, Consultants and Intermediaries are welcome to bring their clients from anywhere around the world based on commission and we will work together in complete confidence for the benefits of all parties involved.
Please contact us for our procedure through this email : { consultantbenjamin.finance@gmail.com } Skype I.D:consultantbenjamin.finance@gmail.com
Thanks in advance.
Benjamin James.
Dear Sir,
ReplyDeleteI am a direct Mandate to a genuinely renowned Investment Finance Company offering Cash & Asset Backed Financial Instruments on Lease and Sale at the best rates and with the most feasible procedures.
Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. For Inquiry contact.
Email: longmornprojectfinances@gmail.com
Skype: longmornprojectfinance@hotmail.com
Whatsapp : +1(661)262-9225
Warm Regards
Simon Federman.