2015 Financial Resolutions

[Anonymous]

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@ElBarrbaro wrote:

Get my first 10K card

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I'm going to do this.  I didn't even try to cli any of my new cards.  i'm going to lie low, marinate, then explode my credit limits to the sky next year.  But I want to marinate a bit.  My current 20,000 total gets me to the 20% util that I was aiming for, even with the AMEX balance i'm currently rocking, and working down quickly.

[Anonymous]

Resolution 1: make at least $4k profit with my existing cards
Resolution 2: open new cards to make at least an additional $500 in sign-up bonuses

[Anonymous]

1) Get my FICO scores in the 700s.

2) Acquire the Discover It, Citi Double Cash, and Amex Blue Cash Everyday card.

[Anonymous]

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@Anonymous wrote:
Resolution 1: make at least $4k profit with my existing cards
Resolution 2: open new cards to make at least an additional $500 in sign-up bonuses

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You should make a thread documenting resolution 1. That would be cool to watch.

[Anonymous]

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@Anonymous wrote:
Resolution 1: make at least $4k profit with my existing cards
Resolution 2: open new cards to make at least an additional $500 in sign-up bonuses

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You could knock out #2 with a CSP.

[Jarrodpd]

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@navajomyst2003 wrote:

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@Anonymous wrote:

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@flawesome wrote:

Lots of people with IRAs around. I take it that means lots of people working for companies that don't offer matching 401ks. I know there are other reasons, but I have to think a matching 401k would beat an IRA for most people.

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Mine matches up to 5%..

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Mine does up to 6% and then an additional 4% non-discretionary at year end, for a total of 10%.  To say the least, I am taking full advantage.

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Im jealous, even though im part time I would still qualify if I was 21 years of age. So I have a temporary fix of a Barclays Dream account with .95% APY with a 2.5% bonus every 6 months of paying on time without any withdraws. 

[Anomalous]

• Get my scores closer to 700 by year end.
• Get a raise or land a higher paying position.
• Reduce more of my brain mortgage (SLD)

[Imperfectfuture]

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@Anonymous wrote:

1) Get my FICO scores in the 700s.

2) Acquire the Discover It, Citi Double Cash, and Amex Blue Cash Everyday card.

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+1

- Garden until scores range 720

- Jan cli Amex to 5k

- Around April, app for Sallie Mae, Chase Amazon or BOA BBR, cancel Legacy Visa

- Before September, PC QS1 to QS, or app for QS, cancel Qs1

- increase emergency, future spending savings 180, keep retirement/ brokerage account deposits as is (hate that price of oil thing).

- November, app for discover it, chase AARP.

- change apping as needed to maintain scores above 729, maybe above 760 by 2016.

i don't have big purchases planned,  I won't buy a house, and I don't drive.  Depending on credit portfolio, garden for all of 2016.   But I DO want a sallie Mae, and in with chase.

[joeyoey]

My financial/rebuilding goals for 2015:

#1 - Pay off all my balances by March 1st

#2 - Don't carry any balances more than about 5% overall all year

#3 - Have the limit on one of cards (hopefully, 2) increased to $10k

#4 - Add two more cards to my wallet in late 2015...an AMEX PRG & a CSP

#5 - Finally see my FICO scores on all 3 reports at 750+

#6 - Continue to save for downpayment on a home in 2016

[EW800]

From a financial standpoint, my New Years resolution is to stay out of credit card debt. Our goal in 2014 was to eliminate every dime of credit card debt, and we achieved that goal. Now I just want to make sure that we stay that way! We had a TON of CC debt, so it feels wonderfully to no longer be owned by them!