Hi, I'm Christi. I'm 51 years old and need to get control of my finances and spending habits. Truthfully, I am not a big spender. There are some things that tempt me - mostly food and books (I do get 95% of my books from the library, but there are some here and there that I'd like to have for reference). I'd like to make a budget and follow it. No more stops at the store to pick up goodies. And I need to break the fast food habit as well. Grabbing a bite on the way to work may be convenient, but it is expensive, not to mention unhealthy.
I live fairly simply now. It's just me in the house. I never had children and at this time of my life I don't have any pets. My parents live across the street from me and are on a fixed income. Most of the excess spending I do is on them. Is it all necessary? No. But some of it is. I could cut back.
My big financial goals include paying off my mortgage, (which I believe could be done in 10 years or less if I do this right), getting 6 months worth of salary in the bank, opening a Roth IRA and contributing more to my deferred comp program at work. When I retire, I don't want to have to get a part time job.
I'm glad to be here and hope to share a successful journey with you all.