Debt Managements

The Tide Turns – Blogging Out of Debt Blogging Out of Debt

Written by Hope

My position is secure for the foreseeable future. An agreement has been reached regarding full-time hours on a contract basis with an annual bonus based on total sales. This agreement will be finalized soon and will start within the next quarter.

I received great feedback from my part-time job with just “promotion” in the title. They were very happy with the sales and marketing work and results I was delivering on their behalf. Restaurant sales were up significantly over the previous year.

The children are all fine and mostly acting independently. I am able to concentrate.

I am passionate about my work. Passionate about serving clients and helping them grow their businesses. Passionate about developing and mentoring a young team. And I am so grateful to work with someone I trust and who shares my beliefs.

The tide is turning

End of year goals

So let’s see what the second half of the year holds for me.

My financial goals for the end of the year in order of priority:

  1. Grow my emergency fund by continuing to put away at least 10% of my total income.
  2. Increase my travel fund for Thanksgiving and prepare to travel with my kids to Texas when my mother passes away (she has Parkinson’s and has been in hospice care for 2 years next month).
  3. Pay off all my credit card debt. (My personal loan #2 will be paid off in full next week, so I won’t mention it here.)
  4. Goal: Deposit $7,000 into a ROTH IRA (that would be $307 per week, so I know that’s a lot. Right now, I’m depositing $35 per week and have only been doing that for 3 weeks at the time of writing this post. I also continue to deposit into my Stash investment accounts weekly as well).

Now it’s time to start planning for 2025. The future is bright, and things are changing…




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