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today's finances

March 28th, 2013 at 02:09 am

I’m supposed to be in Florida visiting my mom and enjoying some warmth right now, but I never got it together to make plane reservations, so I’m making some of this week into a staycation. Ugh, I’ve been so lethargic lately. Combination of long winter, depression, poor eating choices and complete lack of exercise. And there’s probably some menopausal hormonal stuff mixed in there, too. Oh my.

I just called Discover to confirm how to set up an auto payment. The instructions on line didn’t really make sense and I don’t want to be late with a payment, or I will lose my 0% interest rate. The auto withdrawals won’t start until May. The next payment is due April 8, so I paid that tonight so that I won’t forget. After that, $677 will be withdrawn every month until mid-September and that c.c. debt will be paid off in full.

I still haven’t done my taxes (thanks to creditcardfree for the reminder!). I’ve already contributed the limit of $17,000 to my work retirement account for 2012. Now I need to decide if I should put some money into my traditional IRA and get a little tax benefit. Or should I open a ROTH IRA? As I start to think about when I want to retire, I wonder if I should have a tax free ROTH account from which to withdraw money (contributions, not earnings) from before I turn 59, just in case I am able to retire before that (probably not a likely scenario, but a girl can dream!). I really need to figure this out so that I can finish my taxes and move on.

I have an exciting start to my day tomorrow – I’m getting my septic tank pumped at 8:00a! I’ve owned my house for 8 years and this is the first time I’ve had this done. It will cost $255 for the pumping, plus whatever labor cost there is to dig down to the tank. I had a fleeting thought of doing the digging myself, but I really don’t want to, so I’m going to cough up the cash and have the pump guy do it. This is the first in an incredibly long list of house tasks that I need to take tackle.

I’ll say goodnight with a favorite photo of my cat Juby:

2 Responses to “today's finances”

  1. creditcardfree Says:
    1364438685

    I personally think it is a good idea to have some money in a ROTH. If you don't already have one, and don't NEED/WANT the traditional tax deduction, I say go for that this year. You can start an application online with numerous mutual fund companies. Good luck getting those taxes done!

  2. snafu Says:
    1364445865

    Yikes, Monday is April 1st. That gives you until the 15th to set up and fund ROTH, plus the on-line fill in the blanks tax prep. Please don't put it off, the penalty, interest and guilt feel horrid

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