twinmami30
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Post by twinmami30 on Jan 6, 2013 23:13:34 GMT -5
where is the bold option here for your writing?
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twinmama85
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Have a blessed New Year!
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Today's Mood: Blessed
Location: Home
Favorite Drink: Wine
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Post by twinmama85 on Jan 6, 2013 23:25:24 GMT -5
type a b inside a brackets and end it with [/b]
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Rocky Mtn Saver
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Post by Rocky Mtn Saver on Jan 7, 2013 12:20:58 GMT -5
I just realized that I can make a small update, my first for the year! | 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 | $80 | $0 | 4% | | 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 | $355 | $0 | 25% | | | | | | | | | | TOTAL | $10,000 | $0 | $0 | $435 | $0 | 4% | |
Rocky Mtn Saver 01/07/13 $435 (01/01/13 = $0; Goal = $10,000) |
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Saving4Norway
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Post by Saving4Norway on Jan 7, 2013 16:52:00 GMT -5
Woohoo dvm! Way to stretch yourself!
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onmywaynow
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Post by onmywaynow on Jan 7, 2013 17:39:48 GMT -5
redruby - I love the idea of $1 for the 1st week, $2, for the 2nd, etc. That sounds like fun. I will try it. Karma to you!
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teachermom
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Post by teachermom on Jan 7, 2013 18:14:50 GMT -5
Redruby....sounds like fun! I needed to figure out the monthly amount and do it that way because I am only paid 1x per month. Doesn't work out too bad. Let me know if anyone wants it that way so they can join in. For Jan, you need to save $10. I think I will use that method to fund my Gifts account!
Teachermom
ETA: Transfer done. $10 to my Gifts account.
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megaptera
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Post by megaptera on Jan 7, 2013 19:35:12 GMT -5
Okay, I think I'm ready to post some goals.  I'm not going to track retirement here. We have some land that we eventually want to build on, so we'll be saving for that for a LOOOONG time. No car debt, but we're going to have to buy a new (to us) car in the next couple of years. Our EF and vehicle account already have funds in them, so I'm just going to track the contributions for this year. | Accounts | 2013 Goals | Saved YTD | % Met | | EF | $3,000 | $0.00 | 0% | | Land | $5,000 | $0.00 | 0% | | Vehicle | $2,000 | $0.00 | 0% | | Total | $10,000 | $0.00 | 0% |
Please let me know if I've set anything up wrong!  |
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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 7, 2013 21:03:42 GMT -5
redruby - I love the idea of $1 for the 1st week, $2, for the 2nd, etc. That sounds like fun. I will try it. Karma to you! Doing the same thing! it was a challenge from Mint's facebook page so I decided why not ;D |
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twinmami30
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Post by twinmami30 on Jan 7, 2013 23:23:31 GMT -5
Im doing the same challenge as well! Saw it floating on fb and decided it was such a great idea! Assuming it will get harder around september for me with back to school but will give it my best try
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teachermom
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Post by teachermom on Jan 7, 2013 23:41:45 GMT -5
Twinmami30....some people are doing it backwards so it gets easier as you go on.
teachermom
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HappyCat
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Smiling's my FAVORITE!!
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Post by HappyCat on Jan 8, 2013 13:06:57 GMT -5
I am doing the challenge in reverse also. I am keeping it in a jar in my closet and at the end of the year I am going to do something fabulously fun with it...like add it to my EF...or pay down a student loan.  |
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Ombud
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Post by Ombud on Jan 8, 2013 19:34:15 GMT -5
Count me in on the $$ a week plan ~~ not counting it towards any goals but it'll be my 2013 NYE fun$. Been over on YM & felt good until I read how much they've saved. Background: left govt job in 2004 & had to pay 66k to convert pension plan. Probably should have stayed but I was burnt out. Had 83k in 457. That was it. Minimal employment since then (lousy market since 2008) but now have around 500k (inherited 200k) + house + pension. Guess I'm an under achiever. Even my sister said she was shocked at how little I have.  |
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Rocky Mtn Saver
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Post by Rocky Mtn Saver on Jan 8, 2013 19:48:03 GMT -5
Meh, Ombud, you're better off than me! At least neither of us has $175k of SL debt!  |
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Ombud
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Post by Ombud on Jan 8, 2013 19:57:41 GMT -5
Im 8.5 yrs from 'retirement' but I'll keep trudging along
Thank g-d there's no sl debt! Never consigned for kids -- won't for gkids either.
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Saving4Norway
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Post by Saving4Norway on Jan 9, 2013 0:12:47 GMT -5
Ombud - Please fill in for the slow girl. YM is Your Money? And they tell each other how much they've saved total? And they rate you on how you are doing compared to others? On one hand I'd be interested to know, on the other hand if it tells me I'm way behind where they think I "should" be I'd just as soon tell them to sick it in their ear.
OK, I re-read your post for clarification. You're the one tagging yourself as an underachiever, not them, right? Well, I'm with Rocky. What you've got is what you've got. Have you done your own research to be able to honestly tell yourself that you are on a good track for a retirement savings? (By whatever yardstick you decide to use?) Then there you go. Please don't make yourself feel miserable getting caught up with trying to compare yourself with the Jones' in this world.
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Saving4Norway
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Post by Saving4Norway on Jan 9, 2013 0:25:49 GMT -5
HappyCat - I might be wrong but I seem to recall you saying that you have temptation issues. If that is the case I'd like to suggest that you deposit your weekly "fun" money ASAP and not keep it in the closet where you can sneak little bits away or even just decide to blow it on a Want and not save it for a Need.
With that said, remember, I may be thinking of someone else who mentioned they have had a history of weak financial will power.
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murphath
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Post by murphath on Jan 9, 2013 11:33:23 GMT -5
murphath $32795.97 01/09/13 (Goal: $65,400) A minor update: | FUND | GOALS | | CURRENT | SPENT | % MET | | Emergency Fund | $25,000 | | $24,000.00 | $0 | 92.25% | | Taxes/Tshare fees | $3,400 | | $8.00 | $0 | 0.00% | | Shed | $1,000 | | $0.00 | $0 | 0.00% | | Car Maint.etc. | $2,000 | | $1,700.00 | $0 | 85.00% | | Patio furniture | $2,000 | | $0.00 | $0 | 0.00% | | Home Maintence | $1,500 | | $1,000.00 | $0 | 66.66% | | Weddings | $15,000 | | $0.00 | $0 | 0.00% | | Vacay '13 | $3,000 | | $2,798.16 | $0 | 87.49% | | Wind/floor | $9,500 | | $3,289.81 | $0 | 34.62% | | Vacay '14 | $3,000 | | $0.00 | $0 | 0.00% | | TOTAL | $65,400 | | $32,795.97 | $0 | 49.88% |
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January/February savings will be pretty low as the catering season slows down these two months--thus, DH won't be working as much. A nice break for him. We also cash flowed a trip to spring training at the end of Feb., bought our DS a ticket to fly home for a visit since he couldn't be with us for Christmas, etc.. DD1 is graduating from her phys.therapy doctoral program in April so we will have to pay for that trip, as well as a party/open house in May to celebrate her graduation and her sister's from med school. Then off to Europe for us three gals! |
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murphath
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Post by murphath on Jan 9, 2013 11:42:12 GMT -5
Speaking of saving games, a few years back one of the money experts illustrated how starting with a penny could lead to wealth. She just said save a penny, then the next day double it, then double that etc. for a month. Doesn't take long to get up there. It was interesting to look at the chart. .01; .02; .04; .08; .16; .32; .64; 1.28; 2.56; 3.12; 6.24; 12.48; 24.96; 49.42; 99.84; 199.68, etc. You can see that by day 16, the challenge is up there!
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onmywaynow
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Post by onmywaynow on Jan 9, 2013 17:11:26 GMT -5
Murphath - did this problem in math class (many decades ago). Teacher asked us would you rather have $100 a day or start with a penny and double your total each day. Everyone in class took the 100 per day. Turns out it was more than a million after 30 days. He then went on to explain compound interest. Pretty cool teacher. Karma to you for the memories.
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Rocky Mtn Saver
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Post by Rocky Mtn Saver on Jan 9, 2013 18:54:25 GMT -5
Murphath, what exciting plans you have! Sadly, I'm entering tax season so my immediate future is nothing but preparing tax returns.  |
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Saving4Norway
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Post by Saving4Norway on Jan 9, 2013 21:31:20 GMT -5
 Women In Red Savers - 2013 Updated to Page 5, Post #142, 1/9/13 BackInControl: 1/1/13 $2700 (1/1/13 $2,700 / Goal = $4,620) ;D ;D  dvm07: 1/6/2013 $0 (1/1/12 $0 / Goal=$0) FemaleSam: 1/1/13 $4,085 (1/1/13 $4085 / Goal $51,435) ;D ;D ;D ;D Flamingo: 12/17/12 $6,000 (Start=$0 / Goal=$12,000)  ;D HappyCat: 1/03/13 $150.00 (1/03/13 $150 / Goal $3,500) ILoveDolphins: 1/1/13 $0 (1/1/13 $0 / Goal = $21,800) Lucy: 1/1/2013 $0 (1/1/2013 $0 / Goal = $12,378) Mak: 1/1/13 $0 (01/1/13 $0) Megaptera: 1/7/13 $0 (1/7/13 $0 / Goal = $10,000) Murphath: 1/9/13 $32,795.97 (1/1/13 $32,622.59 / Goal = $65,400)  ;D ;D 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) Pointy (pt_in_ny): 1/1/2013 $5262.52  (1/1/2013 $5262.52 / Goal = $ ____) Redruby 1/1/13 $0 (1/1/13 $0 / Goal = $1000) Rocky Mtn Saver 01/07/13 $435 (01/01/13 $0; Goal = $10,000) Saving4Norway: 1/9/13 $11,500 (1/1/13 $10,000 / Goal = $26,000)  ;D Seahorse 01/01/13 $0 (Start=$0 / Goal=$2,500) Teachermom: 1/6/13 $1257.86 (1/1/2013 $680.25 / Goal = $138,850) ;D Twinmama85 1/7/13 $15 (1/1/13 $0 / Goal = $16,450) Twinmami30: 1/1/13 $224 (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
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Post by Saving4Norway on Jan 9, 2013 21:38:08 GMT -5
Saving4Norway 1/9/13 $12,000 ;D ;D and | Fund | Goals | 2012 Head Start | This Month | % Met | Roses | | HELOC Payback | $5,500 | $0 | $500 | 9% | | | 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 | $12,000 | 46% | | | | | | | | | | Wishful Thinking Funds | | | | | | | Oleana | $1,000 | | | | | | USGP Trip - Nov | $2,000 | | | | | | Denmark Savings | $2,000 | | | | |
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teachermom
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Post by teachermom on Jan 9, 2013 22:20:33 GMT -5
Saving4Norway......wow!!! We are only 9 days into 2013 and you are at 46%!!! That is so awesome!! You are going to be at 100% before you know it and then will need to start saving for something else! Great job!! Teachermom ETA: BTW.......so jealous!!!  |
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HappyCat
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Smiling's my FAVORITE!!
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Post by HappyCat on Jan 10, 2013 0:08:10 GMT -5
I have created a detailed budget/plan through March 31 and IF I am diligent and persistent, I could reach my savings goals by March 31, 2013. This means debt free (except student loans *sigh*), all house projects completed or 100% funded AND my savings fully stocked. Of course it is a very meager goal of $3,500 but this means I will be able to continue to add to savings while focusing on SL repayment from April - December. This is only possible because I am still working for my old job. I left that job on Oct 8 and they just hired my replacement on Jan 7. I have been working extra hours to keep them going and I will be paid a lump sum pay for that on Feb 13. (less taxes of course..ugh). It won't be enough to retire but I will take it. I've also been asked to participate in another test scoring project in my area from March - May. It is super easy and I can work up to 20 hours per week (M -F 4 hours each day). I think I will sign on for 12 hours (M, W, F) and have that direct deposited into my savings for SL repay at the end of the year. I can do anything for 10 weeks and EVERY dollar counts!!  |
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twinmama85
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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 10, 2013 0:18:50 GMT -5
I will be so terribly slow on my updates...get paid on the 1st and 15th of the month and Jan is such an awesome month  that I will go almost 3 weeks without a paycheck and I was under a little madness at the beginning of the year and spent like a moron so now I am sitting with $100 to my name til next Mon...luckily all I have to buy is a little food and gas ;D |
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Rocky Mtn Saver
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Post by Rocky Mtn Saver on Jan 10, 2013 9:08:24 GMT -5
Twinmama, I know you can do it! You're a great frugalista.
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Saving4Norway
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Post by Saving4Norway on Jan 10, 2013 16:54:36 GMT -5
Thanks Teachermom! TTTT, I feel like I'm cheating by starting out with money saved. I have always started at zero and only counted my contributions. Finishing off last year early and giving myself a head-start on this year's goals is the only reason I'm sitting at 46%. From here on I'm sure I'll progress at a far more reasonable rate.
When I do meet all these goals I'm considering to start saving in $12,000 chunks. I love teaching. I wouldn't want to do anything else. But, teaching where I am, a WA state public school, with who I am, a very pompous and controlling principal, makes me want to consider moving to/starting a smaller charter school. The downside will be that the pay will be far, far less. Thus, needing an extra $12K a year to supplement.
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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 10, 2013 20:10:38 GMT -5
Twinmama, I know you can do it! You're a great frugalista. Used to be a huge couponer, now I went the opposite direction and buy only organic lol; however, I do it pretty inexpensively |
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Ombud
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Post by Ombud on Jan 10, 2013 23:43:01 GMT -5
OMBUD: 1/2/13 $1987 [1/1/12 $0, Goal = $15,000][/td][td] 2013
[/td][td] Goals
[/td][td] 1/3/13
[/td][td] 1/11/13
[/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] 55
[/td][td] 55
[/td][td] 5945
[/td][td] 1%
[/td][td]
[/td][/tr] [/td][/tr] [tr][td] GS1 2014 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]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] 912
[/td][td] 0
[/td][td] 912
[/td][td] 2338
[/td][td] 28%
[/td][td]
[/td][/tr] [tr][td]Holidays [/td][td] 400
[/td][td] 170
[/td][td] 0
[/td][td] 170
[/td][td] 230
[/td][td] 43%
[/td][td]
[/td][/tr] [tr][td] GS1 & 2 Marching Band [/td][td] 700
[/td][td] 0
[/td][td] 450
[/td][td] 450
[/td][td] 250
[/td][td] 64%
[/td][td]
[/td][/tr] [tr][td] GS2 Jazz Band Trip [/td][td] 400
[/td][td] 325
[/td][td] 75
[/td][td] 400
[/td][td] 0
[/td][td] 100%
[/td][td] [/td][/tr] [tr][td] GRAND TOTAL
[/td][td] $15,000
[/td][td] 1407
[/td][td] 580
[/td][td] 1987
[/td][td] $13,013
[/td][td] 13%
[/td][td]
[/td][/tr][/table]  Reorganized my goals putting the ones I pay off first at the bottom and the 2 that might not be paid off in 2013 at the top. 1 down, many to go!
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teachermom
Familiar Member
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Post by teachermom on Jan 10, 2013 23:49:16 GMT -5
OMBUD.....great job getting your first rose!!! You are on your way!! Keep up the great work!!
Teachermom
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I'm not going to track retirement here. We have some land that we eventually want to build on, so we'll be saving for that for a LOOOONG time. No car debt, but we're going to have to buy a new (to us) car in the next couple of years. Our EF and vehicle account already have funds in them, so I'm just going to track the contributions for this year.
that I will go almost 3 weeks without a paycheck and I was under a little madness at the beginning of the year and spent like a moron so now I am sitting with $100 to my name til next Mon...luckily all I have to buy is a little food and gas ;D