PF Under 30

Yeah…. keep looking. I couldn’t find them either. Matter of fact, the last time I specified my year end goals on this blog was 2006. I’ve put together numerous plans - but with the bank account and balance transfer soup - there is little evidence of which balance got consolidated into which card.For instance - I have my old bedroom set up for sale on Craigslist. I would like to put the proceeds toward part of the original bill. It was originally on a 0% financing furniture store card - before the 0% expired, I paid off some, then balance transferred the rest. According to my blog it was my Citi Dividend. Well, now that account doesn’t exist anymore. I combined the credit limit with my Citi Diamond Preferred, but the balance went to my Costco True Earnings American Express. (I think.)See - that’s the problem with “moving” money instead of just paying it off. After 3 transfers, I have no idea where that balance is sitting today.Anyway - back to the goals. I’ve noticed that if I put them in writing and attatch a specific date that I actually complete them! Evidence of this can be found by me fully funding my Roth IRA for the last 4 years despite being behind the entire year. What’s the culprit? That April 15th deadline of course! I had until April 15th to reach $4,000 this year and I did it in February. Now is the time to attach specific dates.

1.  2007 Roth - contribute the $4,000 max by April 15th. DONE!
2. Payoff the $4400 on my USAA Amex by June 15th. (In progress. 50% complete as of today.)
3. Payoff the $10,300 currently sitting on my Citi Card by Dec 31.
4. Fully contribute $5,000 max to my 2008 Roth (On auto-pilot w/ regular paycheck contributions.)
5. $1200 in a Christmas fund for Christmas 2008. ($100 already in Savings. Turning on auto-pilot this week to keep on track.)
6. Cancel my Amex Gold in July and replace the credit line w/ a $10,000 jump on my USAA Amex (so it doesn’t affect my credit score.)
7. Bump my score to 790 with all 3 bureaus by July Amex cancellation. (Have to correct all the inaccuracies on the Equifax report, and they make you do it by snail mail.)
8. Get new house in the fall and not add any new debt (other than the mortgage.)