teachermom
Familiar Member
Joined: Dec 20, 2010 21:34:17 GMT -5
Posts: 660
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Post by teachermom on Dec 30, 2012 22:26:45 GMT -5
Goals 2013 and beyond!!! I have thought about and reworked my goals over and over and over. I have some huge things I want to save for and realistically don't know how much or how long it will take for me to save for them....thus they have no deadline. So, what I decided to do was to just put everything on my spreadsheet starting with today's total. Some of them will be met this year and will change to something else for next year, some of them will need to be met each year and get "spent", others will take multiple years to save for before they will be spent. My goal for this year is to make all my yearlies and a minimum of 10% for all others! That would be $33,550, which will be a huge stretch!! So.....here it is! | Saving and Retirement 2013 | | Fund | Goals | Beg Bal | Jan 2013 | YTD | Spent | End Bal | % Met | | Savings | | Emergency Fund - Major | $10,000 | $18.61 | $0.00 | $18.61 | $0.00 | $18.61 | 0.19% | | Emergency Fund - Minor | $1,000 | $1.12 | $0.00 | $1.12 | $0.00 | $1.12 | 0.11% | | Taxes 2012 | $2,000 | $350.49 | $0.00 | $350.49 | $0.00 | $350.49 | 17.52% | | Taxes 2013 | $350 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | Home in AZ | $50,000 | $12.27 | $0.00 | $12.27 | $0.00 | $12.27 | 0.02% | | Vacation - CIEE Int'l 2013 | $2,000 | $10.20 | $0.00 | $10.20 | $0.00 | $10.20 | 0.51% | | Vacation - Thailand | $4,000 | $50.44 | $0.00 | $50.44 | $0.00 | $50.44 | 1.26% | | Vacation - Brazil | $3,000 | $6.22 | $0.00 | $6.22 | $0.00 | $6.22 | 0.21% | | Vacation - Europe | $6,000 | $144.33 | $0.00 | $144.33 | $0.00 | $144.33 | 2.41% | | Vacation - Misc. Travel | $2,000 | $2.05 | $0.00 | $2.05 | $0.00 | $2.05 | 0.10% | | Landscaping | $1,500 | $11.95 | $0.00 | $11.95 | $0.00 | $11.95 | 0.80% | | Remodel - Basement | $5,000 | $3.86 | $0.00 | $3.86 | $0.00 | $3.86 | 0.08% | | Remodel - Hardwood Floors | $3,000 | $10.46 | $0.00 | $10.46 | $0.00 | $10.46 | 0.35% | | Remodel - Bathroom | $1,500 | $1.58 | $0.00 | $1.58 | $0.00 | $1.58 | 0.11% | | Remodel - Kitchen | $10,000 | $6.56 | $0.00 | $6.56 | $0.00 | $6.56 | 0.07% | | Remodel - Electrical | $3,000 | $10.11 | $0.00 | $10.11 | $0.00 | $10.11 | 0.34% | | Remodel - Plumbing | $3,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.17% | | Remodel - Roof | $10,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.05% | | Home - Appliances | $5,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.10% | | Home - Maintenance | $5,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.10% | | Car - Maintenance | $1,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.50% | | Car - Tires | $1,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.50% | | Insurance | $1,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.50% | | Gifts | $1,500 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.33% | | Total Savings | $131,850 | $680.25 | $0.00 | $680.25 | $0.00 | $680.25 | 0.52% | | Retirement | | TRS | $2,800 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | 403B | $3,000 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | Roth | $1,200 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | Total Retirement | $7,000 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | Total | $138,850 | $680.25 | $0.00 | $680.25 | $0.00 | $680.25 | 0.49% | |
Teachermom 1/1/2013 $680.25 (1/1/2013 $680.25, Goal $138,850) Looking forward to a great 2013!! Happy New Year everyone!! Teachermom |
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Ombud
Established Member
Joined: Aug 30, 2012 12:49:01 GMT -5
Posts: 347
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Post by Ombud on Dec 30, 2012 22:38:25 GMT -5
Wow! That is some list! Sort of like a lifetime list  |
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backincontrol
New Member
A breath of life
Joined: Dec 28, 2012 22:51:09 GMT -5
Posts: 27
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Post by backincontrol on Dec 30, 2012 23:52:25 GMT -5
We're going to get a bernese mountain dog puppy about the 3rd week in January. (that's NOT the savings part) All-in-all I spent $29 and saved over $45... , which is nothing to sneeze at. Congratulations on both the savings and the Berner. You're right- the saving happen because both you and DH were on the "look out" for savings, even if it were unconsciously. I had a Berner several years back. What a big, sweet heart. Take lots of pictures; they're soooo cute! |
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teachermom
Familiar Member
Joined: Dec 20, 2010 21:34:17 GMT -5
Posts: 660
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Post by teachermom on Dec 31, 2012 0:07:55 GMT -5
Ombud.....exactly. Some are needs but others are things I want to get done to my house, be prepared when needed for the house and trips I want to take someday. Like I said, they have no exact deadline, so don't know how much I will put towards them each year to break down more. I need to save for the taxes, my trip in November 2013, Insurance (deductibles), car tires, car maintenance, gifts, and refill the minor EF. Would like to save for the Hardwood floors this year and misc. travel in case something comes up. Everything else will be minimum of 10%. We will see how well I do. I made a list of the most likely "extra" income amounts I will have and scheduled savings (retirement and taxes) and came up with $27,000, so I just need to figure out $6k more. Maybe I will get another part time job or take on some other extra work. I do plan on selling a bunch of stuff....garage sale, craigslist, Ebay, so that will help some. Gives me something to work for! Love a challenge!!
Teachermom
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Saving4Norway
Well-Known Member
Joined: Jan 1, 2011 18:27:56 GMT -5
Posts: 1,383 
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Post by Saving4Norway on Dec 31, 2012 0:32:15 GMT -5
Teachermom - Holy smokes, sister, you've got your 5-year plan going on there, don't you?  It's a lot like how I think except I don't put it all in one spreadsheet. I think it would seem too daunting to see it all in one place. I like to post my Plan in bite sized increments so I can feel pride in the accomplishments. I know it's just a collection of green and red pixels on a screen but earning roses is ridiculously motivating for me.
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backincontrol
New Member
A breath of life
Joined: Dec 28, 2012 22:51:09 GMT -5
Posts: 27
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Post by backincontrol on Dec 31, 2012 0:39:13 GMT -5
Ok, tomorrow I'll try out the trial version and see what's there. I don't have any bills left to pay this month, but I will still go poke around and see what I can set up for next month. p8nt, Did you find out anything about YNAB? Any thoughts? |
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Saving4Norway
Well-Known Member
Joined: Jan 1, 2011 18:27:56 GMT -5
Posts: 1,383
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Post by Saving4Norway on Dec 31, 2012 0:55:49 GMT -5
Although it's not yet January 1st I feel like I better get this posted before I get too carried away and lose track.  Women In Red Savers - 2013 Updated to Page 3, Post #69, 12/31/12 BackInControl: 1/1/13 $2700 (1/1/13 $2,700 / Goal = $4,620) Flamingo: 12/17/12 $6,000 (Start=$0 / Goal=$12,000) ILoveDolphins: 1/1/13 $0 (1/1/13 $0 / Goal = $21,800) Lucy: 1/1/2013 $0 (1/1/2013 $0 / Goal = $11,000) Mak: 1/1/13 $0 (01/1/13 $0) Murphath: 1/1/13 $32,622.59 (1/1/13 $32,622.59 / Goal = $65,400) OMBUD: 12/25/12 $0 (1/1/12 $0 / Goal = $14,517) onmywaynow: 12/28/12 $700 (12/28/12 $700 / Goal = $10,000) Saving4Norway: 1/1/13 $10,000 (1/1/13 $10,000 / Goal = $26,000) Teachermom: 1/1/2013 $680.25 (1/1/2013 $680.25 / Goal = $138,850) Twinmami30: 1/1/13 $0 (1/1/13 $0 / Goal = $4,000) The day will come that I accidentally mess up your update. Please don't take it personally. Send me a PM and I'll get it fixed ASAP. ;D |
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onmywaynow
Initiate Member
Joined: Dec 22, 2010 14:03:12 GMT -5
Posts: 95
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Post by onmywaynow on Dec 31, 2012 5:44:25 GMT -5
Saving4 - Thanks for the early update. I appreciate it!
I feel that when I check into the board regularly I am able to stay on track. So, please feel free to update as much as you like. I like hearing about other people's savings (even the small ones).
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Saving4Norway
Well-Known Member
Joined: Jan 1, 2011 18:27:56 GMT -5
Posts: 1,383
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Post by Saving4Norway on Dec 31, 2012 10:29:56 GMT -5
Good morning, Lucy, it's great to see that you'd like to join us! You have a excellent goal in mind - can you really ever have too much saved for retirement? I kinda don't think so. If you don't mind, we'd like to get to know you a little bit. Care to share a little about yourself? Your past savings successes? Your plan for 2013? Anything, really.  Welcome Lucy!!!!!  |
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twinmama85
Well-Known Member
Have a blessed New Year!
Joined: Dec 28, 2010 9:48:38 GMT -5
Posts: 1,627
Today's Mood: Blessed
Location: Home
Favorite Drink: Wine
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Post by twinmama85 on Dec 31, 2012 16:51:18 GMT -5
Twinmama85(goal:$16,450 1/1/13) Told ya I`d be back ^-^v Accounts
| Previous | Current | Goal | Difference
| %
| Roses
| | Baby e.f. | $15
| $1000
| $1000
| $985
| 100%
| [a href="addS("  ")"][img alt=" " src=" |
[/a][/td][/tr][tr][td style="border:1px solid #000;padding:3px;"] Boy's bed
[/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$1000 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]0% [/td][td style="border:1px solid #000;padding:3px;"] [/td][/tr][tr][td style="border:1px solid #000;padding:3px;"] Christmas[/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$1000 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]0% [/td][td style="border:1px solid #000;padding:3px;"] [/td][/tr][tr][td style="border:1px solid #000;padding:3px;"] Mixer[/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$450 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]0% [/td][td style="border:1px solid #000;padding:3px;"] [/td][/tr][tr][td style="border:1px solid #000;padding:3px;"] Full e.f.
[/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$11000 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]0% [/td][td style="border:1px solid #000;padding:3px;"] [/td][/tr][tr][td style="border:1px solid #000;padding:3px;"] TV
[/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]$2000 [/td][td style="border:1px solid #000;padding:3px;"]$0 [/td][td style="border:1px solid #000;padding:3px;"]0% [/td][td style="border:1px solid #000;padding:3px;"] [/td][/tr][tr][td] Total
[/td][td]$15 [/td][td]$1000 [/td][td]$16450 [/td][td]$985 [/td][td]6.1% [/td][td] [/td][/tr][/tbody][/table] |
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redruby
Established Member
Joined: Dec 29, 2010 8:44:24 GMT -5
Posts: 270
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Post by redruby on Dec 31, 2012 16:55:47 GMT -5
Been lurking. Thought this was a board for those people who had no debt. I have debt and it seemed silly to save, but I am seeing a different view now. I am going to start with an EF. I had one up until June last year but I never got around to refurnishing it. GOALS is $1,000 (1/1/2013) |
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teachermom
Familiar Member
Joined: Dec 20, 2010 21:34:17 GMT -5
Posts: 660
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Post by teachermom on Dec 31, 2012 17:07:50 GMT -5
Welcome Red Ruby! This is definitely not just a board for those with no debt. I believe everyone who posts regularly has some debt. We have realized, as you have figured out, that the key to not going back into debt is to have a savings plan including and EF. We are here to support you, whatever you goal is.
Mind telling us a little about you? Things like where you are from, what your plans are, your past savings successes, anything you want to share.
Twinmama....glad to see you back! Looks like you have a good plan in place.
Welcome Lucy!! We love to see new people on here.
Good luck everyone! Happy New Year!
Teachermom
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teachermom
Familiar Member
Joined: Dec 20, 2010 21:34:17 GMT -5
Posts: 660
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Post by teachermom on Dec 31, 2012 18:00:27 GMT -5
Updated my spreadsheet to add my change jar. My kids got me a large counting jar that will hold $1000 for xmas. Finally filled it up with all the change I had around. Adding that into my total! | Saving and Retirement 2013 | | Fund | Goals | Beg Bal | Jan 2013 | YTD | Spent | End Bal | % Met | | Savings | | Emergency Fund - Major | $10,000 | $18.61 | $0.00 | $18.61 | $0.00 | $18.61 | 0.19% | | Emergency Fund - Minor | $1,000 | $1.12 | $0.00 | $1.12 | $0.00 | $1.12 | 0.11% | | Taxes 2012 | $2,000 | $350.49 | $0.00 | $350.49 | $0.00 | $350.49 | 17.52% | | Taxes 2013 | $350 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | Home in AZ | $50,000 | $12.27 | $0.00 | $12.27 | $0.00 | $12.27 | 0.02% | | Vacation - CIEE Int'l 2013 | $2,000 | $10.20 | $0.00 | $10.20 | $0.00 | $10.20 | 0.51% | | Vacation - Thailand | $4,000 | $50.44 | $0.00 | $50.44 | $0.00 | $50.44 | 1.26% | | Vacation - Brazil | $3,000 | $6.22 | $0.00 | $6.22 | $0.00 | $6.22 | 0.21% | | Vacation - Europe | $6,000 | $144.33 | $0.00 | $144.33 | $0.00 | $144.33 | 2.41% | | Vacation - Misc. Travel | $2,000 | $2.05 | $0.00 | $2.05 | $0.00 | $2.05 | 0.10% | | Landscaping | $1,500 | $11.95 | $0.00 | $11.95 | $0.00 | $11.95 | 0.80% | | Remodel - Basement | $5,000 | $3.86 | $0.00 | $3.86 | $0.00 | $3.86 | 0.08% | | Remodel - Hardwood Floors | $3,000 | $10.46 | $0.00 | $10.46 | $0.00 | $10.46 | 0.35% | | Remodel - Bathroom | $1,500 | $1.58 | $0.00 | $1.58 | $0.00 | $1.58 | 0.11% | | Remodel - Kitchen | $10,000 | $6.56 | $0.00 | $6.56 | $0.00 | $6.56 | 0.07% | | Remodel - Electrical | $3,000 | $10.11 | $0.00 | $10.11 | $0.00 | $10.11 | 0.34% | | Remodel - Plumbing | $3,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.17% | | Remodel - Roof | $10,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.05% | | Home - Appliances | $5,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.10% | | Home - Maintenance | $5,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.10% | | Car - Maintenance | $1,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.50% | | Car - Tires | $1,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.50% | | Insurance | $1,000 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.50% | | Gifts | $1,500 | $5.00 | $0.00 | $5.00 | $0.00 | $5.00 | 0.33% | | Change jar | $1,000 | $125.12 | $0.00 | $125.12 | $0.00 | $125.12 | 12.51% | | Total Savings | $132,850 | $805.37 | $0.00 | $805.37 | $0.00 | $805.37 | 0.61% | | Retirement | | TRS | $2,800 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | 403B | $3,000 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | Roth | $1,200 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | Total Retirement | $7,000 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | 0.00% | | Total | $139,850 | $805.37 | $0.00 | $805.37 | $0.00 | $805.37 | 0.58% | |
Teachermom 1/1/2013 $805.37 (1/1/2013 $805.37, Goal $139,850) |
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Saving4Norway
Well-Known Member
Joined: Jan 1, 2011 18:27:56 GMT -5
Posts: 1,383
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Post by Saving4Norway on Dec 31, 2012 18:40:08 GMT -5
TWIN!!!!!! Welcome back!! I better watch my spelling because there is a Twinmami30 as well as you, twinmama85. I'm bound to mess that up at some point during the year.  Please be understanding. ;D Hi Redruby. I'm glad to see that you have cleared up the misnomer that Savers are the opposite of Racers. For a bunch of us we're members of both boards. I think a balance between saving and debt repayment is the secret to not just getting out of debt, but staying out of debt. Like teachermom said, we'd like to get to know you a little bit so we can cheer you on in the good times and commiserate with you in the bad times.
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seahorse
Established Member
Joined: Jun 29, 2011 14:06:52 GMT -5
Posts: 384
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Post by seahorse on Dec 31, 2012 19:38:48 GMT -5
Seahorse 01/01/13 $0.00 (Start=$0 / Goal=$2,500.00) | | Goals | Saved | To Go | % Met | Roses | | DH Savings | $465.00 | $- | $465.00 | 0.00% | | | R2 Savings | $555.00 | $- | $555.00 | 0.00% | | | Mocu2 | $520.00 | $- | $520.00 | 0.00% | | | Big EF | $390.00 | $- | $390.00 | 0.00% | | | 25K Goal | $260.00 | $- | $260.00 | 0.00% | | | Mocu1 | $70.00 | $- | $70.00 | 0.00% | | | Checking Cushion | $130.00 | $- | $130.00 | 0.00% | | | Extra | $110.00 | $- | $110.00 | 0.00% | | | TOTAL | $2,500.00 | $- | $2,500.00 | 0.00% | |
I went thru my budget and this is the amount I should be able to save for 2013. I feel excited to have a plan for the year .
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twinmami30
New Member
Joined: Dec 13, 2012 23:59:04 GMT -5
Posts: 44
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Post by twinmami30 on Dec 31, 2012 19:39:39 GMT -5
lol you can call me Carol if it makes a difference..
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redruby
Established Member
Joined: Dec 29, 2010 8:44:24 GMT -5
Posts: 270
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Post by redruby on Jan 1, 2013 8:25:40 GMT -5
So I am a mother of four. Oldest is in college, youngest is 2. I can save when I want something bad enough. My Ef is usually destroyed by my husbands Business. He drives a truck and needs his own repair EF but anytime he gets any money in it something happens and it is wiped out plus debt added. I am just trudging through for 17 more months when it will be paid off and he can save the money he spends on a payment for repairs. With this type of thing happening a Major EF is impossible right now because of Debt. So I had a minor EF several times and kept it up until June of 2012 but my snowball ended due to DH refinancing his pick up to pay for a truck repair. So I am going to try build it back up. We usually do not have this many repairs but it was a BAD year and I started the year off remodeling my kitchen. I have tried to talk him into selling the truck and driving for someone else but he doesn't want to do that. So I have to work with what I got.
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FemaleSam
Junior Member
Joined: Dec 23, 2010 0:20:51 GMT -5
Posts: 140
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Post by FemaleSam on Jan 1, 2013 11:17:14 GMT -5
HAPPY NEW YEAR EVERYONEI'm really glad 2013 is here. I think this is going to be a great year for me. I should be able to completely fund my emergency fund later this month with a business reimbursement check I was supposed to receive last year but they delayed until early this year. Since that money is already earmarked and will complete that savings goal from last year I am not including it here in my 2013 goals. In 2012 I only accomplished 61.4% of my goals so here's hoping for a more successful year (savings goal-wise). | Fund | Goals | 1/1/2013 | Current | % Met | | Retirement savings-2013 | $11,500 | 0 | 0 | 0 | | Rental roof replacement | $10,000 | $0 | $0 | 0.00% | | Rental savings account | $13,285 | $2,585 | $2,585 | 19.46% | | IRA - 2013 | $5,500 | $0 | $0 | 0.00% | | HSA - 2013 | $3,100 | $0 | $0 | 0.00% | | IRA - 2012 | $5,000 | $1,500 | $1,500 | 30.00% | | HSA - 2012 | $3,050 | $0 | $0 | 0.00% | | Holding account | | $0 | $0 | | | Total | $51,435 | $4,085 | $4,085 | 7.94% | |
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Rocky Mtn Saver
Junior Associate
Joined: Dec 23, 2010 9:40:57 GMT -5
Posts: 7,461
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Post by Rocky Mtn Saver on Jan 2, 2013 11:47:14 GMT -5
I'll be in again this year, but I don't have my finalized goals yet. My financial plans went into flux a couple weeks ago, but I think it's getting sorted out now. The good news is that my living situation will cost less this year than last year, so my savings goals should be able to be better! Yay!
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Ombud
Established Member
Joined: Aug 30, 2012 12:49:01 GMT -5
Posts: 347
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Post by Ombud on Jan 2, 2013 12:33:01 GMT -5
Think it's done. Not as ambitious as TeacherMom but then this is as complete as I can get it. The $170 in Holidays comes from Thanks 4 Sharing & rebates that can be put on a Macy's gift card. Hope it’ll make next November / December less onerous. Also added in the annual earthquake insurance so the goals seem even less attainable. $1250 a month! OMBUD: 1/2/13 $1407 [1/1/12 $0, Goal = $15,000][/td][td] 2013
[/td][td] Goals
[/td][td] 1/1/13
[/td][td] 1/2/13
[/td][td] YTD
[/td][td] Bal Due
[/td][td] % Met
[/td][td] Roses
[/td][/tr][tr] [td]ROTH [/td][td] 6000
[/td][td] 0
[/td][td] 0
[/td][td] 0
[/td][td] 6000
[/td][td] 0%
[/td][td]
[/td][/tr] [/td][/tr] [tr][td]Summer Vacation [/td][td] 3000
[/td][td] 0
[/td][td] 0
[/td][td] 0
[/td][td] 3000
[/td][td] 0%
[/td][td]
[/td][/tr] [tr][td] Prop Tax / Earthquake Ins [/td][td] 3250
[/td][td] 0
[/td][td] 912
[/td][td] 912
[/td][td] 2338
[/td][td] 28%
[/td][td]
[/td][/tr] [tr][td]Holidays [/td][td] 400
[/td][td] 0
[/td][td] 170
[/td][td] 170
[/td][td] 230
[/td][td] 43%
[/td][td]
[/td][/tr] [tr][td] GS1 Marching Band Trip [/td][td] 1250
[/td][td] 0
[/td][td] 0
[/td][td] 0
[/td][td] 1250
[/td][td] 0%
[/td][td]
[/td][/tr] [tr][td] GS2 Jazz Band Trip [/td][td] 400
[/td][td] 0
[/td][td] 325
[/td][td] 325
[/td][td] 75
[/td][td] 81%
[/td][td]
[/td][/tr] [tr][td] GS1 & 2 Marching Band [/td][td] 700
[/td][td] 0
[/td][td] 0
[/td][td] 0
[/td][td] 700
[/td][td] 0%
[/td][td]
[/td][/tr] [tr][td] GRAND TOTAL
[/td][td] $15,000
[/td][td] 0
[/td][td] 1407
[/td][td] 1407
[/td][td] $13,593
[/td][td] 9%
[/td][td]
[/td][/tr][/table]  |
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Rocky Mtn Saver
Junior Associate
Joined: Dec 23, 2010 9:40:57 GMT -5
Posts: 7,461
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Post by Rocky Mtn Saver on Jan 2, 2013 17:20:31 GMT -5
Well, I think I'm going to go ahead with $10k as my savings goal. It's up nearly $3k from last year, but I think it's reachable with some new, cheaper living arrangements. Here goes!  | FUND | 2013 GOALS | JAN1st | LAST UPDATE | CURRENT | SPENT | % MET | | Emerg Fund | $1,000 | $0 | $0 | $0 | $0 | 0% | | 2012 Roth IRA | $1,400 | $0 | $0 | $0 | $0 | 0% | | 2013 Roth IRA | $1,400 | $0 | $0 | $0 | $0 | 0% | | Car Fund | $2,000 | $0 | $0 | $0 | $0 | 0% | | Vacation Fund | $1,000 | $0 | $0 | $0 | $0 | 0% | | HSA | $1,500 | $0 | $0 | $0 | $0 | 0% | | Furniture | $300 | $0 | $0 | $0 | $0 | 0% | | Insurance | $1,400 | $0 | $0 | $0 | $0 | 0% | | TOTAL | $10,000 | $0 | $0 | $0 | $0 | 0% | |
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Ombud
Established Member
Joined: Aug 30, 2012 12:49:01 GMT -5
Posts: 347
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Post by Ombud on Jan 2, 2013 17:31:40 GMT -5
Way to motivate yourself RockyMtnSaver!
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p8nt
Familiar Member
Joined: Feb 5, 2011 23:04:56 GMT -5
Posts: 504
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Post by p8nt on Jan 2, 2013 18:02:01 GMT -5
Ok, tomorrow I'll try out the trial version and see what's there. I don't have any bills left to pay this month, but I will still go poke around and see what I can set up for next month. p8nt, Did you find out anything about YNAB? Any thoughts? oK, I honestly didn't look into it in detail. I went back and revisited my Mint.com account and my spreadsheets and I decided I was not willing to spend $60 for YNAB. I'm pretty good about knowing exactly what my bills will be and when they're due. My biggest challenge is keeping track of where I'm wasting money (Yes STARBUCKS... I'm looking at you!) and Mint will help me solve that problem. My other issue is tracking things for taxes, and I also think I can solve that problem with spreadsheets and Mint without buying the YNAB program. I can imagine for some people $60 is just a drop in the bucket and they're will to part with it, but for me - I just can't do it. |
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Ombud
Established Member
Joined: Aug 30, 2012 12:49:01 GMT -5
Posts: 347
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Post by Ombud on Jan 2, 2013 18:20:40 GMT -5
P8nt, that's why I use the one provided by USAA (my bank). Free is good. Doesn't your bank have one? I use as much free content as possible and put the savings towards goals. Pennies add up remarkably fast
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ilovedolphins
Well-Known Member
Joined: Jan 31, 2011 10:56:31 GMT -5
Posts: 1,930
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Post by ilovedolphins on Jan 2, 2013 18:21:33 GMT -5
I am excited to get my first paycheck of the year tomorrow so I can start saving! |
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Saving4Norway
Well-Known Member
Joined: Jan 1, 2011 18:27:56 GMT -5
Posts: 1,383
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Post by Saving4Norway on Jan 2, 2013 20:18:59 GMT -5
Women In Red Savers - 2013 Updated to Page 3, Post #89, 1/2/13 BackInControl: 1/1/13 $2700 (1/1/13 $2,700 / Goal = $4,620) FemaleSam 1/1/13 $4,085 (1/1/13 $4085, Goal $51,435) Flamingo: 12/17/12 $6,000 (Start=$0 / Goal=$12,000) ILoveDolphins: 1/1/13 $0 (1/1/13 $0 / Goal = $21,800) Lucy: 1/1/2013 $0 (1/1/2013 $0 / Goal = $11,000) Mak: 1/1/13 $0 (01/1/13 $0) Murphath: 1/1/13 $32,622.59 (1/1/13 $32,622.59 / Goal = $65,400) OMBUD: 1/2/12 $1407 (1/1/12 $0 / Goal = $14,517) ;D  onmywaynow: 12/28/12 $700 (12/28/12 $700 / Goal = $10,000) Redruby 1/1/13 $0 (1/1/13 $0 / Goal = $1000) Rocky Mtn Saver 01/01/13 $0 (01/01/13 $0; Goal = $10,000) Saving4Norway: 1/1/13 $10,000 (1/1/13 $10,000 / Goal = $26,000) Seahorse 01/01/13 $0 (Start=$0 / Goal=$2,500) Teachermom: 1/1/2013 $805.37 (1/1/2013 $680.25 / Goal = $138,850)  Twinmama85 1/1/13 $0 (1/1/13 $0 / Goal = $16,450) Twinmami30: 1/1/13 $0 (1/1/13 $0 / Goal = $4,000) The day will come that I accidentally mess up your update. Please don't take it personally. Send me a PM and I'll get it fixed ASAP. ;D
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Saving4Norway
Well-Known Member
Joined: Jan 1, 2011 18:27:56 GMT -5
Posts: 1,383
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Post by Saving4Norway on Jan 2, 2013 20:30:46 GMT -5
Saving4Norway 1/2/13 $11,500 (1/1/13 $10,000 / Goal = $26,000) | Fund | Goals | 2012 Head Start | This Month | % Met | Roses | | HELOC Payback | $5,500 | $0 | $0 | 0% | | | Iceland/Norway Trip - July/Aug | $6,000 | $3,000 | $3,500 | 58% | | | Puppy Money | $2,500 | $2,000 | $2,000 | 80% | | | Canada Harley Trip - July | $2,500 | $1,000 | $1,000 | 40% | | | Vehicles | $2,000 | $1,000 | $1,000 | 50% | | | Palm Springs Trip - May | $1,500 | $1,000 | $1,500 | 100% | January | | Gifts & Donation | $1,500 | $0 | $500 | 33% | | | Vacay Prop | $1,500 | $500 | $500 | 33% | | | Wallage Trip - July | $1,000 | $500 | $500 | 50% | | | Quilting | $1,000 | $500 | $500 | 50% | | | Cultural | $500 | $250 | $250 | 50% | | | Christmas | $500 | $250 | $250 | 50% | | | TOTAL | $26,000 | $10,000 | $11,500 | 44% | | | | | | | | | | Wishful Thinking Funds | | | | | | | Oleana | $1,000 | | | | | | USGP Trip - Nov | $2,000 | | | | | | Denmark Savings | $2,000 | | | | |
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p8nt
Familiar Member
Joined: Feb 5, 2011 23:04:56 GMT -5
Posts: 504
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Post by p8nt on Jan 2, 2013 21:39:48 GMT -5
P8nt, that's why I use the one provided by USAA (my bank). Free is good. Doesn't your bank have one? I use as much free content as possible and put the savings towards goals. Pennies add up remarkably fast My bank does have online bill pay, but I haven't really looked into it for other budgeting tools. I'll go check that out now. eta - Well, I checked and it doesn't appear there's any type of budgeting software with my Chase bank account. I do use online bill pay so that's helpful. Hopefully with that and Mint I'll be able to keep better track of my tax write offs this year. |
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twinmama85
Well-Known Member
Have a blessed New Year!
Joined: Dec 28, 2010 9:48:38 GMT -5
Posts: 1,627
Today's Mood: Blessed
Location: Home
Favorite Drink: Wine
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Post by twinmama85 on Jan 2, 2013 23:30:04 GMT -5
Love mint! Love that its free! Been using it since 2009
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teachermom
Familiar Member
Joined: Dec 20, 2010 21:34:17 GMT -5
Posts: 660
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Post by teachermom on Jan 3, 2013 0:41:29 GMT -5
P8nt......no budgeting software with Chase. I also use mint and a spreadsheet.. Works well.
Teachermom
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