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Post Your WINS with Personal Finance :)

LazyDaisy

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This may be a premature celebration but I'm hoping by writing it out I'll be manifesting it as my reality: I found out I was eligible for COVID-19 assistance at my school. I'm praying they'll cover the remainder of my balance as it'll allow me to divert that money toward my loans. I'm so happy I checked my school email because I only look at it once every two months and could've easily missed the deadline to apply.
 

CapnCrunch

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Got a notification that 3 hard inquiries on my credit score are about to fall off november 4th. When i looked i saw i have 2 more coming off in February. So by March I’ll have a total of 5 hard inquires fall off. My score is 713, it was 790 before i got my used car February 2020. Im planning on aggressively attacking my debt and car loan, and with hard inquiries dropping i should be in the 800s next year. I decided to halt all investments and savings and attack my debt
Woop! 2 hard inquires fell off and now my score is 729.
 

sugahunyicet

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Credit limit on one of my credit cards was raised by $3000!
I also received an email from credit karma that stated a hard inquiry on my credit report has finally dropped off (after 2 years)!
 

HeySunshine22

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Love this thread. My first time seeing it, I think.

I purchased my first home last month. I put 10% down which I feel great about. My home appraised at $50k higher than my purchase price.

At the end of 2021, I'll have roughly $100k in savings.

And also at the end of the year, I'll be making a lump sum paying towards my condo purchase. So I'll have about 25% equity, at that point, I believe.

My company's revenue grew by something like 5x this year. Our monthly revenue is what I was bringing in, in a year, last year.

I started being more cognizant about budgeting. I'm using the Monarch app. Amazing.
 

LazyDaisy

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Credit limit on one of my credit cards was raised by $3000!
I also received an email from credit karma that stated a hard inquiry on my credit report has finally dropped off (after 2 years)!
Whoa! $3000 is a big jump! Congrats!
 
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LazyDaisy

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Love this thread. My first time seeing it, I think.

I purchased my first home last month. I put 10% down which I feel great about. My home appraised at $50k higher than my purchase price.

At the end of 2021, I'll have roughly $100k in savings.

And also at the end of the year, I'll be making a lump sum paying towards my condo purchase. So I'll have about 25% equity, at that point, I believe.

My company's revenue grew by something like 5x this year. Our monthly revenue is what I was bringing in, in a year, last year.

I started being more cognizant about budgeting. I'm using the Monarch app. Amazing.
Glad to have you here. These are amazing feats!
 
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LazyDaisy

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This may be a premature celebration but I'm hoping by writing it out I'll be manifesting it as my reality: I found out I was eligible for COVID-19 assistance at my school. I'm praying they'll cover the remainder of my balance as it'll allow me to divert that money toward my loans. I'm so happy I checked my school email because I only look at it once every two months and could've easily missed the deadline to apply.
I spoke it into existence babes! They paid off my term bill and it generated a refund!!! I'm getting an extra $200! YAAAAAAAAAAAAAS!!! I'm so happy. One less thing to worry about. Now I can devote the rest of my savings to my loans and car. I'm cheesing so hard right now!
 

CapnCrunch

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Wanted to share my win somewhere! Today i paid of the last of my Discover cc debt. $3,500 paid in a little over two weeks!!!! Woop woop woop!!
I really only put $1,000 into it. $1,027 came from pulling all of Robinhood money out. My investments were trash and it was 1k tied up doing nothing. $1,800 was my income tax that hit my bank account this morning at which point my remaining balance was $1,300 on the card so i wiped the whole thing out. The money left over from the income tax i will use to replenish my savings. Im following Dave Ramsey’s baby steps. My savings now are $500 so i will put $500 back into the savings. But i dont think my Discover has been at zero in yeaaaars. Probably like 2016?? Im so damn proud. Next im attacking my care credit which is $2.9k then my car which is $12k
 

LazyDaisy

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Wanted to share my win somewhere! Today i paid of the last of my Discover cc debt. $3,500 paid in a little over two weeks!!!! Woop woop woop!!
I really only put $1,000 into it. $1,027 came from pulling all of Robinhood money out. My investments were trash and it was 1k tied up doing nothing. $1,800 was my income tax that hit my bank account this morning at which point my remaining balance was $1,300 on the card so i wiped the whole thing out. The money left over from the income tax i will use to replenish my savings. Im following Dave Ramsey’s baby steps. My savings now are $500 so i will put $500 back into the savings. But i dont think my Discover has been at zero in yeaaaars. Probably like 2016?? Im so damn proud. Next im attacking my care credit which is $2.9k then my car which is $12k
Congrats! Thanks for bumping this thread. I asked the admins multiple times to sticky it so it won't get buried but... :arrogant
 

LazyDaisy

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I opened up a Roth IRA. Not sure what my monthly contribution will be just yet but I plan on putting $1000 in there to get started. My question is... do I want to dig into my emergency savings to try and max it out by April? Or do I just want to call it a miss and start for 2022?
 

Krafty

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I opened up a Roth IRA. Not sure what my monthly contribution will be just yet but I plan on putting $1000 in there to get started. My question is... do I want to dig into my emergency savings to try and max it out by April? Or do I just want to call it a miss and start for 2022?
Just put 500. Dollar cost average. You don’t need to put your entire savings!
 

TravelXOXO

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Thanks for bumping, we should keep this thread going. I'm working on furnishing my new place, but trying to be fiscally sound while doing it and not blowing the budget.
 

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