Women in Red Savers 2014

[Saving4Norway]

Aug 1, 2014 15:09:54 GMT -5 Ombud said:

I am tagging everyone here bc the office was sold & I'll be out of work 10/15/14. Others will be let go 10/31/14. So I don't know if someone wants to take this over now or end of year. If I have to go on UI, I won't be saving

Ombud, I am so thankful that you were willing to take this on when I was at a really busy point in my life. I can do it again, if/when you need a break.

[Ombud]

A big THANK YOU to seriousthistime and Saving4Norway, both of whom stepped up to my need to take a break!! SavingforNorway, Serious and I were PMing her taking over September 1st .... Is that okay?? You kept this going for so many years, I feel like we need your approval and didn't want to post anything before she was sure she wanted to

[Rocky Mtn Saver]

Rocky Mtn Saver 07/31/14 $8,432 or 105% (01/01/14 = $0; Goal = $8,000)    

Fund	2014 Goals	Jan 1st	Last Update	Current Update	% Met
Emerg Fund	$1000	$0	$1022	$1022
Roth IRA	$1300	$0	$1745	$1945
Vacation Fund	$1000	$0	$1800	$2150
Investing	$500	$0	$100	$100	20%
HSA	$2500	$0	$1915	$1995	80%
Car Fund	$700	$0	$730	$760
Insurance	$1000	$0	$405	$460	46%
Totals	$8000	$0	$7717	$8432	105%

I think I'll adjust my annual goal upward for the remainder of the year, as my work plans haven't changed in 2014 the way I thought they might.

Ombud, I hope things get back on track for you work-wise really soon! Take all the break you need; you deserve it.

[Saving4Norway]

Aug 3, 2014 22:59:29 GMT -5 Ombud said:

A big THANK YOU to seriousthistime and Saving4Norway, both of whom stepped up to my need to take a break!! SavingforNorway, Serious and I were PMing her taking over September 1st .... Is that okay?? You kept this going for so many years, I feel like we need your approval and didn't want to post anything before she was sure she wanted to

Oh for heavens' sake - if you knew the real me you'd know I'm not uppity like that at all. Serious, just keep in the back of your mind, that if you ever need a break, I'm more than happy to help out.

[Saving4Norway]

	2014 Goals	Last Month	This Month	% Met	Roses
	$2,500	$2,500	$2,500	100%	March
	$2,000	$2,000	$2,000	100%	March

Hmmm, clearly something is very wonky with my table right now. I'll go see if I can make some sense of what I did wrong. The bottom line is, though, looking good.

          

Saving4Norway 8/4/14 $17,000 (12/22/13 $4,000 / Goal $20,000)

[Saving4Norway]

Fund	2014 Goals	Last Month	This Month	% Met	Roses
Denmark	$2,500	$2,500	$2,500	100%	March
Sisu	$2,000	$2,000	$2,000	100%	March
Vehicles	$2,000	$2,000	$2,000	100%	March
Harley Trip	$2,000	$2,000	$2,000	100%	June
Gifts&Donations	$1,500	$1,500	$1,500	100%	July
Vacay Property	$1,500	$1,500	$1,500	100%	July
Palm Springs	$500	$500	$500	100%	January
Cultural	$500	$500	$500	100%	April
Christmas 2014	$500	$0	$500	100%	August
PS Flight 2015	$1,000	$600	$1,000	100%	July
Iceland Flight2015	$3,000	$600	$3,000	100%	August
Home Improvement	$3,000	$0	$0	0%
TOTAL	$20,000		$17,000	85%

Saving4Norway 8/4/14 $17,000 (12/22/13 $4,000 / Goal $20,000)

[DVM gone riding]

Goal change I am making slight adjustments again to reflect reality! But then that means I am on track for the end of the year!

dvm07 8/14/14 8167.89 (1/1/14=$0 Goal=$12,000)

The big jump is because I decided to shove "saved" money--not accounted for in the spread sheet--into my ROTH and max that earlier in the year rather than later.

Fund	Goals	Saved YTD	% Met	Roses
General Savings	$2,000	$890.17	44.5%
Roth IRA	$5,500	$4,900.00	89.1%
Gifts	$400	$243.45	60.9%
Taxes	$1,200	$804.95	67.1%
House needs	$600	$220.37	36.7%
Travel	$2,000	$1,108.95	55.4%
Total	$11,700	$8,167.89	69.8%

[Jaguar]

Sugilite Major Update ~ I'm redirecting my focus, I'm going long term and I'm revamping my numbers.

Saving Funds	GOALS	CURRENT	% SAVED	WOO HOO
TV Fund	$554	$100	18%	?
Moving Fund	$2300	$150	7%	?
Mattress Fund	$2446	$150	6%	?
GRAND TOTAL	$5300	$400	8%	?

Sugilite - 8/16/2014, $400 - [NEW GOAL - $5300] =


This is no longer just a moving emergency fund, but I'm adding on a new TV and new mattress/boxspring onto this as well. I want it completed by December 2015.

[seriousthistime]

I like that DVM and Sugilite are revising their goals.  

Revisions (whether up or down) reflect financial awareness.  You're paying attention and thinking about it.  It's a good thing. 

[Jaguar]

Yeah checking over my budget I completely forgot about the supplements that I need to buy every other month, so....... My completion date is in March 31 2016, it can't be helped I need my vitamins.

[ambellamy]

WOW... so much has changed in 1/2 a year... For starters, all our savings goals are bust because i'm PREGNANT so we are going to be spending money we had set aside for this years Roth IRA's on re-doing our condo to make room for the baby... but I figured I should probably pop my head in and at least take a look at what we did accomplish this year thus far:

2013 Roth IRA (Hubs) | 100% DONE 
Goal: $5,500.00 (Starting: $0.00)
Now: $5,500.00

Emergency Fund | 100% DONE 
Goal: $12,500.00 (Starting: $12,250.00)
Now: $12,500.00

Car Emergency Fund | 20% finished
Goal: $1,000.00 (Starting: $0.00) 
Now: $200.00

2014 Roth IRA (Mine)
Goal: $5,500.00 (Starting: $0.00)
Now: $0.00

2014 Roth IRA (Hubs)
Goal: $5,500.00 (Starting: $0.00)
Now: $0.00

Ambellamy: 8/21/14 $5,950.00 (1/1/14 $0, WIRS1)

Since we live in a one bedroom condo and aren't planning to move (despite a few odd looks from people who think just because you have a kid you have to move to a larger place)... we have been spending our weekends building IKEA furniture with the hopes of emptying out our walk-in closest to make it into a baby nursery...  So we have more money saved than i'm listing here, but until we finish the work to the condo, i'm not going to report it here until I know we won't be touching it.

We also had 2 car repairs this year that were both over $700 so we hit our savings goal for the car, then had to spent it, hit it again, spent it, so now we have just built $100 a month into our budget each month to save up for these expenses. so I may not hit the goal by the end of the year, but its good to have it built into our budget now

[seriousthistime]

Sugi,  I also spend a ton on supplements.  Calcium, magnesium, Co Q 10, etc.  An arm and a leg, basically.  I try to hit the BOGO sales; it seems either CVS or Walgreen's has a BOGO sale just about every week.  Sometimes I can get supersized ones (like "an extra 20 tablets!") and if I can get the BOGOs on those, it's a happy day.  

ambellamy, congratulations!  You've got a good EF going, and you got your 2013 Roth done so really, I think you're doing pretty well.  I'm sure your condo will be big enough in the short term.  Once babies start accumulating stuff (and you'd be amazed how much stuff that is!) and they start to become mobile, you might get cramped a bit.  Just be prepared, everything you think you know about babies and kids can fly out the window once you're actually there.  Sounds like your Plan A is well in hand.  Maybe just anticipate that Plan B might come around the corner sooner than you think.  I'd suggest you don't do anything to the condo that might make it less marketable when it comes time to sell.  Save the closet door, shelves, closet rod, and so forth, and don't build anything (like a changing table) into the closet walls.  If you're not already hanging out on the WIR Kids and Pregnancy thread, you might find some advice there about how people manage the space issues (and a multitude of other issues as well). 

Save on, ladies!  

[seriousthistime]

Serious this time, $35,434, 8/15/14 ($0, 1/1/14, Goal $51,258)

The numbers look good, but I'm including contributions to my retirement and most of my sinking funds.

I'm taking over for Ombud starting September 1.  I probably won't update the smileys until the weekend after the 1st, so plan ahead and get your updates posted. 

[Jaguar]

I found an online supplement supplier right here in Ontario with me. I was paying a fortune every month when I shopped at Shoppers Drug Mart. So now I just mail in an order and I get it in 4 days. It's even free shipping if it's over $79 cdn. So I'm happy with my find.

You know just 30 tablets at Shoppers Drug Mart was costing me $51.99, while 60 tablets of this exact same drug now costs me $46.99 at my online source and they throw in free shaker cups and 180 gel tabs of vitamin D.

My Online Source ships to the USA - www.nationalnutrition.ca/default.aspx

[seriousthistime]

Good!  You're shopping around!

[sealy]

Should I save my overtime checks or pay debt. I'm thinking I'll use my regular paycheck and save the rest.

[sealy]

CONGRATS AM!!!!!!

[seriousthistime]

Aug 23, 2014 6:05:18 GMT -5 sealy said:

Should I save my overtime checks or pay debt. I'm thinking I'll use my regular paycheck and save the rest.

I like the idea of doing a little of both. 

[mak]

Congrats ambellamy!


Mak 8/24/14 $11,595.36 (01/1/14 $0, Goal=13,700.00)
Just making small progress. We really need to buckle down. Moving has put a huge strain on our budget. Time to get back on track!


Fund                             Goals         Previous             Newly Added     YTD              Met
House Down Payment     10,000.00      10,325.00          50.00              10,375.00      103.75%
Emergency Fund             1,000.00      250.00              250.00              500.00          50.00%
Christmas                         800.00      250.00              0.00                 250.00          31.25%
Boat Expenses                  400.00      125.00               0.00                 125.00          31.25%
Family Vacation              1,500.00      326.67              18.69                345.36          23.02%
Retirement Percentage      10%             9%                 0%                     9%             90.00%
TOTAL                         13,700.00      11,276.76          318.69           11,595.36          84.64%

[forwardwego]

Hello, I'm a member on the WIRRacer south board. I've been reading your thread, & working on goals for saving and how to set it up. For now it's time to go to work, but I feel better just getting myself introduced, the procrastination on joining the savers is over  .
I hope to do my first financial post tonight.

[Jaguar]

Welcome to the savers club, it's good to have you.

[forwardwego]

Thanks for the welcome Sugilite 

For now I'm going to focus on plumping up my emergency funds:

fund	2014 goal	current	% met	need
rental EF	1000	160	16%	840
homestead EF	1200	540	45%	660
Vehicle EF	800	340	43%	460
total	3000	1040	35%	1960

Forwardwego 8/30/2014 $1040 ( 8/30/2014 $1040, Goal = $3000) 




Oh my...it appears I'm infected?

[Jaguar]

It's the zombie game on here, don't mind it.

[seriousthistime]

Savers, I am taking over for Ombud starting today.  Please get any updates in ASAP. 

[seriousthistime]

Serious this time, $37,512, 8/29/14 ($0, 1/1/14, Goal $51,258)

[Jaguar]

Sugilite Update ~ . My savings will suck till October 31, then all out savings will start. I've crunched my spending on needed extras down to two months.

Saving Funds	GOALS	CURRENT	% SAVED	WOO HOO
TV Fund	$554	$100	18%	?
Moving Fund	$2300	$150	7%	?
Mattress Fund	$2446	$150	6%	?
GRAND TOTAL	$5300	$400	8%	?

Sugilite - 9/01/2014, $400 - [NEW GOAL - $5300] =

[seriousthistime]

Temporary update:  Obviously having a bit of difficulty with the first update.  Bear with me.  I got back from vacation today and am two time zones behind.

[Jaguar]

Take your time, we ain't going anywhere.

[seriousthistime]

Updates:
 

	Stars	Name	Amt saved	Goal	% saved	Roses	Smilies
1		ambellamy	$5,950	$17,750	33.5%
2		DVM gone riding	$8,168	$11,700	69.8%
3		FemaleSam	$9,541	$26,121	36.5%
4		forwardwego	$1,040	$3,000	34.7%
5		mak	$11,595	$13,700	84.6%
6		megaptera	$11,775	$15,000	78.5%
7		nalto	$798	$5,000	16%
8		Rocky Mtn Saver	$8,432	$8,000	105.4%
9		Saving4Norway	$17,000	$20,000	85%
10		seahorse	$3,147	$9,100	34.6%
11		sealy	$400	$10,000	4%
12		seriousthistime	$37,512	$51,258	73.2%
13		shopaholic814	$8,725	$18,600	46.9%
14		Sugilite	$400	$5,300	7.5%
15		tobinikui	$25,446	$44,500	57.2%

And two savers who've met their goal!

2014 Hall of Fame
This month Rocky Mtn Saver joins Ombud in meeting goal! 

Rocky Mtn Saver, you mentioned you were going to increase your goal.  In that case, your new goal will be in the chart next month.  Otherwise you'll be listed below the chart in our Hall of Fame!

One Saver is back with us -- the always-impressive ambellamy!!!  Welcome back, and let me know if I calculated your revised goal correctly (it was not in your tag line). 

And another Saver has joined us -- welcome forwardwego!  

I tried my best to get the stars and smilies right.  Let me know if I missed anyone's update or calculated stars and smilies wrong.  I went with Ombud's update at the end of July and went from there, so if you had a post that crossed paths with Ombud's last update, I'll need to make a correction. 

Great month, Savers!

[Jaguar]