Rossy's Corner

A look back at 2019

As 2019 comes to a close I am taking a look back at the year: the good, the bad and the wonderful.

Dave Ramsey and the Baby Steps – I completed Financial Peace University and I am currently working hard on getting rid of all my debt, target end date is in three years!

Organizer to the rescue – My sister and I hired a professional organizer and she organized our closet making it so much more functional and pretty! I can’t wait to hire her for more rooms!

Tuxedo Mask – A gorgeous male cat limped up the stairs of my house and I got him the medical help he needed. Later we got him adopted out to a loving home.

To date or not to date – I was seeing someone for a while and it was nice but not a perfect fit. I have faith that my perfect fit is out there and when we have both grown as individuals then the universe will let us meet.

Budgeting Rose – I started a vlog on YouTube about my monthly budget and I will continue to expand on it.

Panel – I participated in a panel! Something I have always wanted to do and it was even more amazing then I expected.

Tai Chi – I tried Tai Chi for the first time and I’m going to go again because I need a stress reliever in my life.

Part-time job – I started a part-time job in addition to my full time job and I survived!

Church – I found a church I really like and I have been going regularly and religion is now a big part of my life.

Sister – My mom went to Virginia and reconnected with my sister and now my other sister and I will visit her in Virginia annually!

Corn Maze – I went to my first corn maze with my church group. It was fun and I ended up with really tired legs.

Cooking – My sister and I started cooking (mostly she cooks).

Dinner with friends – I had my first dinner with friends and I really enjoyed myself.

Newark IFF – Our short film The Gift was screened at Newark International Film Festival and the best part was that our mom finally got to see our film and I loved that she watched it.

I am happy with my 2019 experience and I look forward to the adventures I will have in 2020!

Happy New Year!!!!

Rossy's Corner

Financial Goals for 2019

A look back at 2018

Before going forward and making my 2019 goals. I need to take a moment and be thankful for the things I accomplished, which are:

1-   I paid off my three credit cards (Capital One, Bank of America and BJs) which was a total of $6,000 left.

2-   I started an emergency fund in a separate account and now have $2000 in it.

3-   I paid all my bills on time!

4-   I paid for my gym membership fully for the year at the beginning of the year and I have used my membership throughout the year.

2019 goals

A new year is about to start and here is what I will be working on.
I will get rid of my loan faster than my anticipated finish date.
I will keep my car clean with professional help (car wash).
I will take care of my hair by having my hairdresser wash and braid it once a month and I will take care of my body by working out with my personal trainer once a week (and I will work out by myself twice a week).

1-   Loan: I have a $35,000 loan that I took out to pay the difference of my house that sold at a loss. On a positive note, I no longer have a house hanging on my neck but the negative is I have a $35,000 loan to deal with. I pay $750.73 a month and if I stay on that course I will finish paying off my loan in 4 years. – For 2019, my goal is to make an additional payment of $249.27 a month towards the loan. That will be a total of $1000.00 I will pay per month and the length of time I will take to pay it off will decrease by about 11 months.

$35,000/$750.73 = 46.62 months = 3 years, 10 months

$35,000/$1000.00 = 35 months = 2 years, 11 months

2-   Car wash: I will take my car to the car wash once every two months; which is $29.80 each time and a total of $178.80 for the year.

($29.80)(6 months) = $178.80 for the year

3-   Hair care: I will get my hair washed and braided by my hairdresser once a month; which is $60 plus a tip of $15 and a total of $900 for the year.

($75)(12 months) = $900 for the year

4-   Personal training: I will continue working out with my personal trainer once a week; which is $60 per session, $240 a month and a total of $2880 for the year.

What are your financial goals that you are working towards?