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Archive for December, 2016

Response to comments

December 30th, 2016 at 07:44 pm

I would love to increase my retirement savings. In 2010 I was contributing 10%. Then the company I was for closed. I was out of work for 5 1/2 months. I had been an office manager at a car dealership. I was out of work for 5 1/2 months. I am now a payroll manager at small liberal arts college. I took about a 15% pay cut. We are on the second year without raises. I actually debated lowering the % however plan on leaving it at 4%.

Once I have my car paid off I plan on saving the payment for future car repairs/replacement.

My mortgage rate is 5.125%. Helco is 2.99 variable.

Where I am

December 30th, 2016 at 01:02 pm

I currently have 81,702 in debt. 75% is my mortgage. 24% is a Helco and 1% is my car loan.

I have a little over 100,000 in retirement. I currently contribute 4% with a 2% match.

I am in my mid 50's.

Thought it was time to start a blog

December 29th, 2016 at 08:55 pm

I have been reading the blogs for many years. Thought it might be time to start my own blog. I am in my mid 50's and most of the time feel like I am way behind on retirement savings.