6 Figures 6 Certs Random Thoughts Thread

Macallik86

Macallik86

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mannyrs13 said:
It seems like I haven't done much this year but I realize that sometimes just the behind the scenes stuff is just as important. Sometimes just being stable and steady is good enough. Atleast I've been steady with my job and finances. I've been able to save like 2k in my down payment account. About half was from the tax refund but I'm at my highest I've ever been with that account and the interest rate is at its highest so I just gotta keep building it up towards my goal.

I had set a goal of passing 65k total value that Mint shows on my account by memorial day. Thanks to the profit sharing company match from my last job, and the investments coming back up on that account, I passed that goal. Gotta set a few more. Plus my vacation savings account I started this year is up to $700. Got a few things I'm hoping to plan for the summer, Christmas, and next year. Not including random trips to Orlando like this coming weekend cuz that's just like a one night hotel stay and not no major expense. I have been cutting back on excess spending and eating out at work so my money had been stretching longer. Plus my credit card debt is usually below $100. It's hard to raise my score these days but I think once some inquiries come off my report in September, then it'll improvea little bit. Not overly worried about it.

Last year was all about paying off my debt like my car, and getting a better job. This year gonna be about straight stacking and bring smarter with the finances. Building myself up. Not planning any major purchases. Only thing I want and need is new glasses since mine are old. Hopefully this month or next. I do need a computer monitor cuz using a 55 inch tv hanging on the wall, isn't helpful. I think I'm gonna wait on buying a new phone until atleast mid June. And look for sales too.

Just gotta stay the course and not get sidetracked. Been doing these survey things online and have made $60 in less than a month. Not major money but stilla little something, I could use that for gas money each month. Every bit helps when you trying to achieve some goals.
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I have like 10 pairs of prescription glasses. If you use websites like Coastal Glasses or Zenni Optical, you can get pairs of glasses for the same price as some knockoff sunglasses at the mall.

I hear you on waiting before purchasing a new phone. I'm waiting to pull the trigger on one myself that hits all the criteria I am looking for at a decent price point. Congrats on hitting the 65K mark btw.
 
mannyrs13

mannyrs13

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Macallik86 said:
I have like 10 pairs of prescription glasses. If you use websites like Coastal Glasses or Zenni Optical, you can get pairs of glasses for the same price as some knockoff sunglasses at the mall.

I hear you on waiting before purchasing a new phone. I'm waiting to pull the trigger on one myself that hits all the criteria I am looking for at a decent price point. Congrats on hitting the 65K mark btw.
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Yeah man it dropped below 65k but that was cuz of how bad the market has been. My ira has been getting crushed lately, goes up and down tho. Yeah had to get a new phone since my old one broke. Got a galaxy 9 and I love it. Been a week now. It's 30 a month but I did just finish paying off the old one so not like I'm not adding something new to my budget. I got that down pact also for the most part. Minus random spending here and there like today's $100 casino trip. But I manage my money well enough 90% of the time for the 10% craziness. Still undecided on the glasses. As long as I can see fine, I'm straight with these. It's not that important yet. But I'll definitely check out your recommendation.
 
mannyrs13

mannyrs13

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MillionMills said:
Yeah I'm around 710. Need to get up to 800 :wow:
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That's not too bad. Just gotta slow grind it. I was around 745 a year ago. Was a few points higher but went down a bit. So I've gotten about 40 points up since then. It depends on your own report tho. Some people may climb faster than others. Don't expect a huge jump that fast. Minimize or rather don't get any inquiries and just stay consistent with your payments and utilization rate.
 
Obreh Winfrey

Obreh Winfrey

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I made almost $2.50 in interest in my savings account off of just a couple thousand bucks just this month :moneycall:. I'm real eager to build this thing up and really start seeing some dividends now. To put this in context, I had about 2 grand in savings with another bank back in 2010 when I finished high school and at best got $0.04 a month.

After I get these loans paid off I can start working on a down payment for some property. By then my safety net should be way beyond 6 months of expenses so I'll be able to breathe easy. If you don't have a high yield savings account yet :ufdup:
 
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