Silicon Valley Blogger over at TheDigeratiLife.com has a great list of tasks that she is hoping to complete before (or just after) year’s end. I hope she won’t mind, but I’m going to copy her list and include thoughts (for my family’s situation) below each one.
- Review our credit card report and checking account expense report for the year and see where all the money went. This will be a very interesting exercise for us, as always. I generally try to keep up with our spending in Microsoft Money, but I’ve fallen a couple of months behind. It is very helpful to categorize the spending in order to run reports and analyze where you’re blowing it all. I’ve added a few new categories in order to more closely monitor our gift spending (gifts for friend, gifts for family, and gifts for our little family) this year, so that will give us more detail than we previously had.
- Review our annual account statements that are usually provided by financial institutions. I generally review these as they come in, so there’s not too much catch-up for us in this area.
- Evaluate our financial strategies such as debt reduction, investment plans, insurance policies and budgets. Since my wife is tired of running the numbers and talking about all my hair-brained plans for paying off our mortgage, we won’t be dedicating too much thought to debt reduction. Fortunately we’ve been able to pay everything off except our mortgages.
- Review and balance our portfolio. Despite the fact that I really like the way the words “investment portfolio” sound, I don’t really consider what we have a “portfolio.” In the strictest sense it probably is, but it’s a fairly uncomplicated/unsophisticated collection of two Roth IRAs, a 401k through work, savings and checking accounts, and a couple of CD’s. We don’t have a very clear definition of what “balanced” means to us, so it’s as balanced as it’s going to get until we come up with something better.
- Give away gifts to my children or other people within the gift tax limit. We contribute $10 a month (I know it’s not much, but we’re not saving enough towards our own retirement as it stands) to our children’s savings accounts, and without any “surplus” cash to speak of, we’re unlikely to do anything on this point.
- Check into our IRA accounts. We’re specifically going to look into having money automatically withdrawn each month from our checking or savings account. This has been a goal for quite a while now but for some reason we haven’t gotten around to it. One of the stumbling blocks has been that we’re not sure how much to throw at it each month, so we’re going to start with $10 each per month or whatever the minimum amount is that they allow. At some future date we’ll set some goals and bump up our monthly contributions. As it stands, our only contributions to our Roth IRA’s for calendar year 2006 will be whatever tax refund we receive (if any). Gosh, that’s awful! We are contributing 6% of my gross to my 401k, so we haven’t completely abandoned retirement savings . . .
- Ensure that the flexible spending plan we funded was well worth the time and trouble. This is our first year participating in an FSA, and we haven’t submitted any claims yet, so we will be evaluating how much trouble it is. High on our priority list is submitting our expenses to make sure that none of the money goes to waste!
- Take our losses like an adult. We don’t have anything to report here.
- Give to charity. Our primary charitable donations are through our church, and we do that on a monthly basis, so there’s no major push at the end of the year or need to catch up.
- Prepare for any end of year windfalls. Wouldn’t that be nice! I don’t expect any windfalls at all, but as I indicated, if we get a tax refund, it will all go towards our Roth IRAs. That’s obviously not the ideal way to fund it because we’re not dollar-cost-averaging, and we’re letting the size of our contribution depend 100% on what we receive, but it’s certainly much, much better than blowing the refund on some kind of purchase, or worse yet, using it as a down payment to incur more debt!
Question(s) of the day:
What is on your personal finance to-do list?
Andy — I love it!
I love hearing about what other folks do with their financial systems. I get to learn tricks that maybe I should apply too. I don’t even use a financial application — I just some basic excel sheets for my accounting. Can you imagine that? Well now that you say you use Microsoft Money, I may just break down and get one of these apps. I don’t want to be behind the times!
[...] End-Of-Year Personal <b>Finance</b> To-Do List [...]
Really is easy to become among the most important gambler ion neighborhood in several second you incorporate Hack free one hit
eliminate Discover all supports No cool-down Hack
hidden Hack free add packs and the game are
more enthusiastic!Â
Hi, I would like to subscribe for this blog to take hottest
updates, thus where can i do it please help.
We produced motion -by- and also you should do to have
My Talking Angela Crack correctly with no problems.
So most of the experts of suggest for definite taking that tome and watch Hindi movies online.
My Personal Review – Well, the movie is awesome even if it’s a same superhero film we
watch out there. He and the protagonist loved the same girl but they are opposite.
This is the right web site for anybody who wishes to understand
this topic. You realize so much its almost tough to argue with you (not that I
really would want to…HaHa). You certainly put a brand new spin on a subject that has been discussed for years.
Wonderful stuff, just wonderful!
Thanks for the info list
Thanks for the detail of finance list review
No matter if some one searches for his vital thing, thus he/she needs to be available that
in detail, so that thing is maintained over here.
You actually make it seem really easy along with your
presentation but I in finding this topic to be really
something which I feel I would by no means understand.
It kind of feels too complex and extremely huge for me.
I am having a look forward for your subsequent publish, I will
try to get the cling of it!
Hi, I believe your website may be having internet browser compatibility problems.
When I look at your blog in Safari, it looks fine however when opening
in IE, it’s got some overlapping issues. I merely
wanted to provide you with a quick heads up!
Aside from that, great site!
whoah this blog is excellent i really like reading your posts.
Keep up the great work! You recognize, a lot of people
are searching around for this information, you can aid them
greatly.
I am actually delighted to read this webpage posts which includes plenty of useful data, thanks for providing these kinds of statistics.
fantastic post, very informative. I ponder why the opposite experts of this sector don’t realize this.
You must continue your writing. I’m confident, you’ve a huge readers’ base already!
Fine way of describing, and good post to get
facts on the topic of my presentation subject matter, which i am going to convey in institution of
higher education.
Somebody necessarily lend a hand to make significantly articles I would state.
This is the first time I frequented your web page and to this
point? I amazed with the research you made to create this actual
submit incredible. Excellent job!
It’s going to be ending of mine day, except before finish I am reading this great article to improve my experience.
Hmm is anyone else experiencing problems with the pictures on this
blog loading? I’m trying to find out if its a problem on my end or if it’s the blog.
Any feed-back would be greatly appreciated.
Hi there! Someone in my Myspace group shared this website with us so
I came to give it a look. I’m definitely loving the information.
I’m book-marking and will be tweeting this to my followers!
Exceptional blog and great design and style.
I am really impressed with your writing skills and also with the layout on your blog. Is this a paid theme or did you customize it yourself? Anyway keep up the excellent quality writing, it is rare to see a nice blog like this one today..
I intended to put you this very small remark just to thank you very much as before for your personal beautiful ideas you’ve contributed on this site. This has been quite extremely open-handed with you giving extensively what a number of people might have made available as an electronic book to help make some bucks on their own, notably since you could have done it if you considered necessary. Those things additionally served like a easy way to fully grasp that other people online have similar passion just like my personal own to grasp a great deal more pertaining to this matter. I am sure there are many more enjoyable times ahead for individuals who view your blog post.
generic for cialis
Thanks , I’ve just been searching for info approximately
this subject for ages and yours is the best I have discovered so far.
However, what in regards to the conclusion? Are you
positive about the source?
excellent issues altogether, you just gained a emblem new reader. What may you suggest in regards to your submit that you simply made some days in the past? Any certain?
Very nice post. I just stumbled upon your blog and wanted to mention that I’ve truly enjoyed surfing around your blog posts. After all I will be subscribing to your feed and I am hoping you write once more very soon!
I will immediately clutch your rss feed as I can not find your email subscription hyperlink or e-newsletter service. Do you have any? Please allow me understand in order that I could subscribe. Thanks.
I have read so many content concerning the blogger lovers however this article is genuinely a pleasant post,
keep it up.
Simply want to say your article is as astounding. The clarity on your submit is just spectacular and that i can suppose you’re knowledgeable in this subject. Fine along with your permission let me to take hold of your RSS feed to keep updated with forthcoming post. Thank you one million and please keep up the rewarding work.
online cialis
I have to thank you for the efforts you have
put in writing this site. I really hope to see the
same high-grade blog posts from you in the future as well.
In truth, your creative writing abilities has inspired me to get my very own blog now
Unquestionably consider that that you said. Your favorite reason appeared
to be at the net the easiest thing to consider of.
I say to you, I definitely get annoyed while other people think about issues that
they just don’t recognise about. You managed to hit the nail upon the highest as
neatly as defined out the entire thing without having side effect
, other folks could take a signal. Will likely be back to
get more. Thank you
The other day, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a forty foot drop,
just so she can be a youtube sensation. My iPad is
now destroyed and she has 83 views. I know this is totally off topic but I had to share it with
someone!
Right here is the perfect blog for anyone who hopes to understand this topic.
You know so much its almost hard to argue with you (not that I actually will need to…HaHa).
You definitely put a fresh spin on a topic that’s been discussed for many
years. Great stuff, just excellent!
It is not my first time to go to see this site, i am visiting this
site dailly and take fastidious data from here every day.
I like what you guys are up too. This type of clever work
and exposure! Keep up the superb works guys I’ve added you
guys to my blogroll.
Hello! This is my first visit to your blog!
We are a group of volunteers and starting
a new initiative in a community in the same niche.
Your blog provided us valuable information to work on. You
have done a wonderful job!
Keep on writing, great job!
Also visit my blog post; garena free fire hack
Real nice design and great subject material, practically nothing else we want
.
I like what you guys are usually up too. This type of clever work and exposure!
Keep up the great works guys I’ve included you guys
to blogroll.
I’d constantly want to be update on new posts on this website,
bookmarked!
I know this web site gives quality dependent content and extra information, is there any other web site which gives these
kinds of information in quality?
We would like to thank you yet again for the stunning ideas you offered Jeremy when preparing her post-graduate research in addition to, most importantly,
with regard to providing each of the ideas in one blog post.
If we had known of your web page a year ago, we might have been rescued
from the needless measures we were employing.
Thanks to you.
Attractive section of content. I just stumbled upon your weblog and in accession capital to assert that I get in fact enjoyed account your blog posts.
Any way I will be subscribing to your feeds and even I achievement you access consistently quickly.
Hiya very cool web site!! Guy .. Excellent .. Amazing .. I’ll bookmark your blog and take the feeds
additionally? I’m glad to seek out numerous useful information right here in the submit,
we need develop extra strategies on this regard,
thank you for sharing. . . . . .
Hey just wanted to give you a quick heads up. The text in your article seem to be running off the screen in Firefox.
I’m not sure if this is a formatting issue or something to do with internet browser compatibility but I thought I’d post to
let you know. The design and style look great though! Hope you get the issue fixed soon. Cheers
Tienda Nº 1 en Camiseta Espana
Encontrarás cada camiseta españa 2022 y ropa de
entrenamiento de los clubs y selecciones nacionales para adultos y niños.
บาคาร่า ฟรีเครดิต มีสิทธ์ได้เงินà¹à¸ªà¸™à¹‚ดยไม่ต้à¸à¸‡à¸¥à¸‡à¸—ุน
You’re so interesting! I don’t believe I’ve
truly read through a single thing like that before.
So great to find another person with some genuine thoughts
on this topic. Seriously.. many thanks for starting this up.
This website is something that is needed on the web, someone with
a little originality!
Have you ever considered publishing an ebook or guest authoring on other blogs?
I have a blog based upon on the same ideas you discuss and would really like to have you share some stories/information. I know
my readers would appreciate your work. If you’re even remotely interested, feel free to
send me an e mail.
Thank you for the auspicious writeup. It in fact was a amusement
account it. Look advanced to far added agreeable from you!
By the way, how could we communicate?
I am actually glad to read this blog posts which carries tons of
valuable information, thanks for providing these information.
my web-site :: Milo
terimakasih ka atas tpisnya
Appreciate the recommendation. Let me try it out.
Fascinating blog! Is your theme custom made or did you download it from somewhere?
A theme like yours with a few simple tweeks would really make my blog stand out.
Please let me know where you got your design. Thanks
Fabulous, what a blog it is! This web site presents useful information to us, keep it up.
Really instructive and superb anatomical structure of subject material, now that’s user pleasant (:.
I know this site presents quality dependent articles or reviews and extra material, is there any
other web page which gives these information in quality?
Thanks for finally writing about > End-Of-Year Personal Finance
To-Do List « ThoughtfulConsideration.com < Liked it!
Hurrah! In the end I got a web site from where I
can genuinely obtain useful information regarding my study and knowledge.
Excellent site. Plenty of useful info here. I am sending it
to some friends ans additionally sharing in delicious.
And obviously, thanks in your sweat!
Good info. Lucky me I ran across your website by chance (stumbleupon).
I have bookmarked it for later!
I know this website provides quality based posts and extra data, is there any other website which
offers these information in quality?
I have learn several just right stuff here. Definitely worth bookmarking for revisiting.
I surprise how much effort you place to create any such fantastic
informative site.
You’re so awesome! I don’t believe I have read through something like this before.
So good to find another person with some genuine
thoughtts on this subject matter. Seriously..
many thanks for starting this up. This site is somethong that
is required on the web, someone with a bit of originality!
An interesting discussion is definitely worth comment.
I think that you need to write more about this subject matter, it might not
bee a taboo matter but generally people don’t discuss such subjects.
To the next! Best wishes!!
Appreciating the persistence you put into your blopg andd detailed
information yoou present. It’s nice to come across a blog every once in a whjile that isn’t the same old rehashed
information. Excellent read! I’ve bookmarked your site and I’m adding your RSS feeds to my Google account.
I enjoy you because of your whole efforts on this blog. Betty really loves conducting investigations and it’s obvious why.
A number of us notice all concerning the powerful tactic you render rewarding
thoughts through the blog and as well encourage participation from
other people on the area plus our daughter is actually becoming educated
so much. Take pleasure in the rest of the new year.
You’re the one performing a first class job.
I’ve read several good stuff here. Definitely worth bookmarking for revisiting.
I surprise how so much attempt you put to create one of these great informative website.
I’m not sure where you are getting your information, however great topic.
I must spend some time finding out more or figuring out more.
Thank you for wonderful information I was looking for this information for my mission.
Link exchange iis othing else buut it is just placing the other person’s
weblog link on your page at proper place and other person will also
do similar in favor of you.
my webpage: Gta 5 Money Glitch
My programmer is trying to convince me to move to .net from PHP.
I have always disliked the idea because of the expenses.
But he’s tryiong none the less. I’ve been using WordPress on a variety
of websites for about a year and am anxious about switching to another platform.
I have heard fantastic things about blogengine.net.
Is there a way I can import all my wordpress posts into it?
Any help would be really appreciated!
Good information. Lucky me I came across your website by accident (stumbleupon).
I have saved it for later!
I read this article fully about the difference of latest and previous technologies, it’s remarkable article.
If some one needs to be updated with most up-to-date technologies afterward he must be pay a
visit this website and be up to date every day.
Hi there to all, how is everything, I think every one is getting more from this web site,
and your views are good in favor of new people.
My brother recommended I might like this blog. He was totally right.
This post actually made my day. You cann’t imagine simply how much time
I had spent for this info! Thanks!
Yes! Finally something about wordpress classes.
Thank you for every other informative site.
Where else may I am getting that kind of info written in such an ideal method?
I’ve a challenge that I am just now operating on, and
I’ve been at the glance out for such information.
Simply desire to say your article is as surprising.
The clarity to your post is simply spectacular and that i can think you are an expert on this
subject. Well with your permission allow me to grasp your
RSS feed to keep up to date with approaching post.
Thanks 1,000,000 and please keep up the rewarding work.
Hey there, I think your site might be having browser compatibility issues.
When I look at your website in Chrome, it
looks fine but when opening in Internet Explorer, it has some overlapping.
I just wanted to give you a quick heads up! Other then that, terrific blog!
Hey there! Someone in my Myspace group shared this site
with us so I came to take a look. I’m definitely enjoying the information. I’m bookmarking
and will be tweeting this to my followers! Fantastic
blog and outstanding design and style.
Exceptional post but I was wanting to know if you could write
a litte more on this topic? I’d be very thankful if you could elaborate a
little bit further. Kudos!
Hi! I could have sworn I’ve been to this website before but
after checking through some of the post I realized it’s new to me.
Anyways, I’m definitely glad I found it and I’ll be
bookmarking and checking back often!
If some one desires expert view regarding running a blog afterward i advise him/her to go to see this weblog, Keep
up the pleasant job.
Appreciation to my father who informed me about this blog, this blog is really
awesome.
Keep on writing, great job!
It’s not my first time to pay a quick visit this web page, i am visiting this web site
dailly and obtain good data from here every day.
Hi there, I log on to your blogs like every week.
Your writing style is witty, keep up the good work!
Link exchange is nothing else except it is just placing the other person’s blog link on your page at proper place and other person will also do same in support of you.
Hi there, I discovered your web site by the use of Google while searching for
a similar matter, your web site came up, it looks great.
I’ve bookmarked it in my google bookmarks.
Hi there, just become alert to your weblog through Google, and located that it is really informative.
I am going to watch out for brussels. I’ll appreciate for those who continue this in future.
Lots of other people can be benefited out of your writing.
Cheers!
Hey just wanted to give you a quick heads up.
The text in your article seem to be running off the screen in Ie.
I’m not sure if this is a format issue or something to do with
web browser compatibility but I figured I’d post to let you know.
The style and design look great though! Hope you get the problem resolved soon. Many thanks
Currently it looks like Expression Engine is the top blogging platform out there right now.
(from what I’ve read) Is that what you are using on your blog?
Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something.
I think that you could do with a few pics to drive the message home a little bit,
but instead of that, this is wonderful blog. A great read.
I’ll certainly be back.
hello!,I love your writing so a lot! proportion we keep in touch extra approximately your post on AOL?
I need an expert in this house to solve my problem.
Maybe that is you! Looking forward to peer you.
You actually make it appear so easy with your presentation but I find this topic
to be actually something which I think I might never understand.
It seems too complex and very broad for me. I am taking a look forward on your next post, I’ll try to get the
dangle of it!
Hey very nice blog!
Howdy! This is my first visit to your blog! We are a team of volunteers and starting a new project in a community in the same niche.
Your blog provided us beneficial information to
work on. You have done a outstanding job!
Nice blog here! Also your site loads up very fast!
What host are you using? Can I get your affiliate link to your host?
I wish my web site loaded up as fast as yours lol
It’s actually very difficult in this full of activity life to listen news on TV, therefore I just use web for that purpose, and take the most up-to-date information.
Hi, I do think your site may be having web browser compatibility issues.
When I look at your site in Safari, it looks fine
however when opening in Internet Explorer, it’s got some overlapping issues.
I simply wanted to provide you with a quick heads up!
Other than that, excellent website!
Thank you for the auspicious writeup. It in fact was a amusement account it.
Look advanced to more added agreeable from you!
However, how can we communicate?
Keep on writing, great job!
I don’t even know how I finished up right here, however I thought this publish
was once great. I don’t realize who you might be however certainly you’re
going to a famous blogger if you aren’t already.
Cheers!
Hi there, this weekend is fastidious in favor
of me, because this moment i am reading this enormous informative paragraph here at my home.
Helpful information. Lucky me I found your web site by accident, and I’m stunned
why this coincidence did not happened earlier! I bookmarked it.
Hello, i think that i saw you visited my weblog
thus i came to “return the favor”.I am attempting to find things to improve my
website!I suppose its ok to use some of your ideas!!
Thanks a lot for sharing this with all folks you really realize what you are talking
about! Bookmarked. Please additionally consult with my website =).
We may have a hyperlink change arrangement among us
Ahaa, its good discussion about this paragraph
here at this web site, I have read all that, so now me also commenting at this place.
Wonderful goods from you, man. I have be aware your stuff prior
to and you are just too great. I really like what you have bought right here,
really like what you’re stating and the way in which wherein you are saying it.
You’re making it enjoyable and you still take care of to keep it smart.
I can not wait to learn far more from you. This is actually a
tremendous site.
I absolutely love your blog and find almost all of your post’s to be just what
I’m looking for. Does one offer guest writers to write
content for you? I wouldn’t mind composing a post or elaborating on a lot of the subjects you write
concerning here. Again, awesome blog!
Hi there! This post could not be written much
better! Reading through this article reminds me
of my previous roommate! He constantly kept preaching about this.
I’ll send this post to him. Fairly certain he’ll have a very good read.
Many thanks for sharing!
Its like you read my mind! You seem to know so much
about this, like you wrote the book in it or something.
I think that you can do with a few pics to drive the message home
a bit, but other than that, this is wonderful blog.
An excellent read. I’ll certainly be back.
It’s amazing for me to have a website, which is helpful in support of my experience.
thanks admin
Definitely consider that which you stated. Your favourite justification appeared to be at the web the simplest thing to remember of.
I say to you, I definitely get irked at the same
time as other folks think about concerns that they plainly
don’t realize about. You controlled to hit the nail upon the highest and also
defined out the whole thing without having side effect , other people can take a
signal. Will probably be again to get more. Thank you
Hello! I’m at work surfing around your blog from my new iphone 3gs!
Just wanted to say I love reading your blog and look forward to all your posts!
Carry on the superb work!
Excellent article. Keep posting such kind of info on your page.
Im really impressed by your site.
Hello there, You’ve done a fantastic job. I’ll definitely digg it and for my part recommend to my
friends. I am sure they will be benefited from this website.
Appreciate the recommendation. Will try it out.
Peculiar article, exactly what I was looking for.
Article writing is also a excitement, if you know after that you can write if not it is
complicated to write.
Hi my family member! I wish to say that this post is amazing, great written and come with approximately
all significant infos. I would like to peer
extra posts like this .
It’s very easy to find out any topic on net as compared
to books, as I found this paragraph at this site.
Remarkable things here. I am very satisfied to see your post.
Thank you so much and I’m taking a look ahead to touch you.
Will you please drop me a e-mail?
You’ve made some really good points there. I looked on the net to find
out more about the issue and found most individuals will go along with
your views on this website.
Unquestionably consider that which you stated.
Your favourite justification appeared to be on the web the easiest factor to have in mind
of. I say to you, I certainly get annoyed even as other people think about
issues that they just do not recognize about. You controlled to hit the nail upon the top as well as defined out the whole thing without having side effect , other folks could take a signal.
Will probably be back to get more. Thanks
An interesting discussion is worth comment.
There’s no doubt that that you need to write
more on this issue, it might not be a taboo matter but usually people do not speak about these subjects.
To the next! Kind regards!!
Hi there, i read your blog from time to time and i
own a similar one and i was just curious if you get a lot of spam responses?
If so how do you protect against it, any plugin or anything you can recommend?
I get so much lately it’s driving me insane so any help is very much appreciated.
Hmm it seems like your website ate my first comment
(it was super long) so I guess I’ll just sum it up what I wrote and say, I’m
thoroughly enjoying your blog. I too am an aspiring blog writer but
I’m still new to everything. Do you have any recommendations for inexperienced
blog writers? I’d certainly appreciate it.
I’m really enjoying the design and layout of your blog.
It’s a very easy on the eyes which makes it much more pleasant for me
to come here and visit more often. Did you hire out a designer to create your theme?
Exceptional work!
Hi to every one, for the reason that I am genuinely eager of reading this blog’s post
to be updated on a regular basis. It contains pleasant data.
Nice post. I used to be checking constantly this weblog and I am inspired!
I deal with such information a lot.
Very helpful information specifically the final part
I used to be seeking this particular information for a very long
time. Thanks and best of luck.
If some one desires expert view concerning running a blog after that
i suggest him/her to pay a quick visit this web
site, Keep up the good work.
You’re so cool! I do not think I’ve read through anything
like this before. So nice to discover somebody with a few unique thoughts
on this subject. Really.. thanks for starting this up.
This web site is something that’s needed on the internet, someone with a bit of
originality!
I every time used to read piece of writing in news papers but now as I am a user of internet therefore
from now I am using net for content, thanks to web.
Hi to every , for the reason that I am really eager of reading this website’s post to be updated
daily. It consists of good data.
This is my first time go to see at here and i am actually happy to read all at single place.
Remarkable things here. I’m very glad to peer
your post. Thanks so much and I am having a look forward to contact you.
Will you please drop me a mail?
Hello, i think that i saw you visited my web site thus i got here to return the want?.I’m
trying to to find things to enhance my website!I suppose its good enough to use
a few of your ideas!!
Thanks , I have recently been searching for information approximately this
topic for ages and yours is the greatest I’ve came upon so far.
But, what about the conclusion? Are you positive about the supply?
I pay a quick visit each day a few web sites and websites to read posts, except this web site gives feature based
articles.
You really make it seem so easy with your presentation but I
find this matter to be actually something which I think I would never understand.
It seems too complicated and extremely broad for me. I’m looking forward for your next post, I’ll
try to get the hang of it!